Rates & Fees
DEPOSIT RATES
Effective as of 10/1/2024
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| Account | Rate | APY | Balance required to earn dividend |
|---|
| Share Savings | 0.05% | 0.05% | $150.00 - $3,999.99 |
|---|
| Share Savings | 0.15% | 0.15% | $4,000.00 or greater |
|---|
| Money Market | 1.25% | 1.26% | $10,000.00 - $49,999.99 |
|---|
| Money Market | 2.00% | 2.02% | $50,000.00 or greater |
|---|
| IRA Share Savings | 0.50% | 0.50% | Any |
|---|
| Christmas Club | 0.15% | 0.15% | Any |
|---|
| Vacation Savings | 0.05% | 0.05% | Any |
|---|
| Escrow Savings | 0.05% | 0.05% | Any |
|---|
| Non-Dividend Savings | N/A | N/A | N/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| Account | Rate | APY | Balance required to earn dividend |
|---|
| Share Draft Checking | 0.01% | 0.01% | $150.00 average daily balance |
|---|
| Non-Dividend Checking | N/A | N/A | N/A |
|---|
Share Certificates term lengths can be found in the first column, followed by the corresponding rate, APY, and minimum deposit required.
Share Certificates| Term | Rate | APY | Minimum Deposit |
|---|
| 6 Months | 4.17% | 4.25%
| $500.00 |
|---|
| 7 Months | 4.17% | 4.25% | $500.00 |
|---|
| 12 Months | 3.93% | 4.00%
| $500.00 |
|---|
| 18 Months | 2.96% | 3.00% | $500.00 |
|---|
| 24 Months | 2.96% | 3.00% | $500.00 |
|---|
| 30 Months | 2.96% | 3.00% | $500.00 |
|---|
| 36 Months | 2.96% | 3.00% | $500.00 |
|---|
| 48 Months | 2.96% | 3.00% | $500.00 |
|---|
| 60 Months | 2.96% | 3.00% | $500.00 |
|---|
APY stands for Annual Percentage Yield. Dividends paid monthly.
LOAN RATES
Effective as of 10/1/2024
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)| Term | APR
(New) | APR
(Used 2022-24) | APR
(Used 2019-21) | APR
(Used 2018 or older) |
|---|
| 0-60 Months | As low as 5.75% | As low as 6.25% | As low as 6.50% | As low as 9.75%* |
|---|
| 61-72 Months | As low as 6.00% | As low as 6.75% | As low as 7.75% | N/A |
|---|
| 73-84 Months | As low as 7.25% | As low as 8.25% | As low as 10.25% | N/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)| Term | APR
(New) | APR
(Used 2016-24) |
|---|
| 0-60 Months | As low as 8.00% | As low as 10.25% |
|---|
| 61-84 Months | As low as 9.00% | As low as 11.75% |
|---|
Home Equity loan terms are listed in the first column and the APR is listed in the second column.
Home Equity Loan
| Term | APR
(1st Lien) | APR
(2nd Lien) |
|---|
| 0-60 Months | As low as 5.50%** | As low as 6.50% |
|---|
| 61-120 Months | As low as 6.00% | As low as 7.00% |
|---|
| 121-180 Months | As low as 7.75% | As low as 9.25% |
|---|
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 Limit | Minimum Initial Advance | Minimum Subsequent Advance | APR |
|---|
| $25,000.00 | $2,500.00 | $500.00 | WSJ 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| Term | APR
(New) | APR
(Used) |
|---|
| 0-96 Months | As low as 9.75% | As low as 11.50%*** |
|---|
Share Secured loan term options can be found in the first column, followed by the corresponding APR rate.
Share Secured Loan| Term | APR |
|---|
| 0-60 Months | As low as 4.25% |
|---|
| 61-120 Months | As low as 5.25% |
|---|
Personal loan term options are listed in the first column, followed by the corresponding APR rate in the next column.
Personal Loan| Term | APR |
|---|
| 0-36 Months | As low as 10.75% |
|---|
| 37-60 Months | As low as 11.75% |
|---|
Credit card types are listed in the first column and the corresponding APR rate is listed in the last column.
Credit Card| Type | APR |
|---|
| VISA Classic | 12.90% Fixed |
|---|
APR stands for Annual Percentage Rate. APRs shown are for qualified borrowers only and include a 0.25% rate discount on new consumer and real estate loans of $500.00 or more when periodic payments are auto-debited from a SRU FCU share draft checking account for the life of the loan (excludes home equity lines of credit and credit cards). *Available only for terms up to 48 months. **APR is accurate as of 10/1/2024 for a first lien position 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 $1,000.00 borrowed is $19.10 for 5 years. No closing costs except for appraisal, if required. ***Available only for terms up to 84 months. 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 SERVICE | FEE |
|---|
| Inactive Account | $5.00 |
|---|
| Account Escheat | $40.00 |
|---|
| Official Check | 3 free per month, then $5.00 per check |
|---|
| Money Order | $2.00 |
|---|
| Prepaid Gift Card | $3.00 ($10.00 minimum) |
|---|
| Prepaid Travel Card | $6.00 ($100.00 minimum) |
|---|
| ATM/Debit/Credit Card Replacement | $10.00 |
|---|
| Expedited ATM/Debit/Credit Card Mail Order | $25.00 |
|---|
| Incoming Domestic Wire Transfer | $10.00 |
|---|
| Outgoing Domestic Wire Transfer | $15.00 |
|---|
| Incoming or Outgoing International Wire Transfer | $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 Copy | No fee |
|---|
| Multiple Deposit Item Copies | Account Research fee applies |
|---|
| Account Research | $25.00 per hour (prorated) |
|---|
| Stop Payment – Personal Check | $15.00 |
|---|
| Stop Payment – Official Check | $40.00 |
|---|
| Returned Deposit or Payment | $15.00 per item |
|---|
| Returned Mail | $2.00 per item |
|---|
| Excess Statement Postage | $3.00 |
|---|
| Non-Sufficient Funds (NSF) Overdraft | $25.00 |
|---|
| Courtesy Pay Overdraft | $25.00 |
|---|
| Unavailable Funds Overdraft | $25.00 |
|---|
| Share Draft Protection Transfer | $1.00 |
|---|
| Late Payment – Credit Card | $10.00 |
|---|
| Late Payment – Loan | Greater of 5% of payment due or $20.00
|
|---|
| Electronic Lien Titling (PennDOT) | $100.00 |
|---|
| Medallion Signature Guarantee | $20.00 |
|---|
| Member Notary Service | No fee |
|---|
| Non-Member Notary Service | $5.00 per document |
|---|
| Non-Member Check Cashing* | $5.00 per check |
|---|
*Applies to SRU FCU checks only. Fees subject to change at any time.