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Rates & Fees

SHARE RATES

Effective as of 4/1/2021

Share savings account types can be found in the first column, followed by the corresponding rate, APY, and balance required to earn dividend.

Share Savings
AccountRateAPYBalance required to earn dividend
Share Savings0.20%0.20%$150.00 - $3,999.99
Share Savings0.25%0.25%$4,000.00 or greater
Money Market0.30%0.30%$10,000.00 - $49,999.99
Money Market0.35%0.35%$50,000.00 - $249,999.99
Money Market0.40%0.40%$250,000.00 or greater
IRA Share Savings0.55%0.55%Any
Christmas Club0.25%0.25%Any
Vacation Savings0.20%0.20%Any
Escrow Savings0.20%0.20%Any
Non-Dividend SavingsN/AN/AN/A

Share draft checking account types can be found in the first column, followed by the corresponding rate, APY, and balance required to earn dividend.

Share Draft Checking
AccountRateAPYBalance required to earn dividend
Share Draft Checking0.05%0.05%$150.00 average daily balance
Non-Dividend CheckingN/AN/AN/A

Share Certificates term lengths can be found in the first column, followed by the corresponding rate, APY, and minimum deposit required.

Share Certificates
TermRateAPYMinimum Deposit
6 Months0.40%0.40%$500.00
12 Months0.50%0.50%$500.00
18 Months0.55%0.55%$500.00
24 Months0.60%0.60%$500.00
30 Months0.65%0.65%$500.00
36 Months0.70%0.70%$500.00
48 Months0.80%0.80%$500.00
60 Months1.00%1.01%$500.00

APY stands for Annual Percentage Yield. Dividends paid monthly.

LOAN RATES

Effective as of 4/1/2021

Term lengths for auto loans can be found in the first column. The columns that follow list the APR by the year of the car.

Auto Loan
(Car, SUV, or Pickup Truck)
TermAPR
(New)
APR
(Used 2019-21)
APR
(Used 2016-18)
APR
(Used 2015 & older)
0-60 MonthsAs low as 2.99%As low as 3.39%As low as 4.24%As low as 4.74%*
61-72 MonthsAs low as 3.24%As low as 3.99%N/AN/A

Term lengths for recreational vehicle loans can be found in the first column, followed by the APR for a new vehicle and the APR for a used vehicle.

Recreational Vehicle Loan
(ATV, Boat, Camper, Motorcycle, PWC, Snowmobile, Tractor, Trailer, or UTV)
TermAPR
(New)
APR
(Used)
0-60 MonthsAs low as 6.49%As low as 8.74%
61-84 MonthsAs low as 7.49%As low as 9.24%

Home Equity loan terms are listed in the first column and the APR is listed in the second column.

Home Equity Loan
(1st or 2nd Lien Position)
TermAPR
0-60 Months2.00%**
61-120 Months3.00%
121-180 Months3.85%

Minimum credit limit for a Home Equity line of credit can be found in the first column, followed by the minimum initial advance, minimum subsequent advance, and the APR.

Home Equity Line of Credit
Minimum Credit LimitMinimum Initial AdvanceMinimum Subsequent AdvanceAPR
$25,000.00$2,500.00$500.00WSJ Prime Rate minus 0.25%

Mobile home loan term is listed in the first column, followed by the APR rate for a new home in the next column, and the APR rate for a used home in the last column.

Mobile Home Loan
TermAPR
(New)
APR
(Used)
0-96 MonthsAs low as 7.00%As low as 8.75%***

Share Secured loan term options can be found in the first column, followed by the corresponding APR rate.

Share Secured Loan
TermAPR
0-60 Months3.25%
61-120 Months5.25%

Personal loan term options are listed in the first column, followed by the corresponding APR rate in the next column.

Personal Loan
TermAPR
0-36 MonthsAs low as 8.25%
37-60 MonthsAs low as 10.35%

Credit card types are listed in the first column and the corresponding APR rate is listed in the last column.

Credit Card
TypeAPR
VISA Classic12.90% Fixed

*Available only for terms up to 48 months. **Annual Percentage Rate (APR) shown is accurate as of 4/1/2021 for a home equity loan with a term of up to 60 months and a loan-to-value (LTV) of 80% or less. The monthly payment per $1,000 borrowed is $17.53 for 5 years. No closing costs except for appraisal, if required. ***Available only for terms up to 84 months. Rates shown are for qualified borrowers only. 0.25% rate discount on new consumer or real estate loans of $500.00 or more (excludes home equity lines of credit and credit cards) when periodic payments are auto-debited from a SRU FCU share draft checking account for the life of the loan. Other restrictions apply.

Products and services are listed in the first column, followed by the corresponding fee in the next column.

Fee Schedule
PRODUCT OR SERVICEFEE
Inactive Account$3.00
Account Escheat$40.00
Official Check3 free/month, then $5.00/check
Money Order$2.00
Starter ChecksNo fee with check order
Prepaid Gift Card$3.00 ($10.00 minimum)
Prepaid Travel Card$6.00 ($100.00 minimum)
ATM/Debit/Credit Card Replacement$5.00
Expedited ATM/Debit/Credit Card Order$25.00
Domestic Wire – Incoming$10.00
Domestic Wire – Outgoing$15.00
International Wire – Incoming or Outgoing$30.00
Single Statement Copy$2.00
Check Copy – Less than 5 years$1.00
Check Copy – 5 years or older$4.50
Single Deposit Item CopyNo fee
Multiple Deposit Item CopiesAccount Research fee applies
Account Research$25.00/hour (prorated)
Stop Payment – Personal Check$15.00
Stop Payment – Official Check$40.00
Returned Deposit Item$15.00
Returned Mail Item$1.00
Non-Sufficient Funds (NSF) Overdraft$25.00
Courtesy Pay Overdraft$25.00
Unavailable Funds Overdraft$25.00
Share Draft Protection Transfer$1.00
Excessive Savings Withdrawal$5.00
Late Payment – Credit Card$10.00
Late Payment – LoanGreater of 5% of payment due or $20.00
Electronic Lien Titling (PennDOT)$81.00
Member Notary ServiceNo fee
Non-Member Notary Service$5.00/document
Non-Member Check Cashing*$5.00/check

*Applies to SRU FCU checks only. Fees subject to change at any time.