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Loan Rates

Rate

Rate
(Prefered Numbers)
New Auto 5.50% 4.75%
36 MOS 100% Dealer
Invoice/Value
  5.50% 5.00%
48 MOS
  5.75% 5.25%
60 MOS
  6.25% 5.75
72 MOS
Used Auto
(Model year 98+)
5.25% 4.75% 36 MOS 100% Dealer
Invoice/Value
5.50% 5.00% 48 MOS
6.00% 5.50% 60 MOS
NOTE:
AUTO LOAN MAX = $50,000
Personal
Signature 12.00% Up to 36 MOS Max To
$5,000
Based Upon
Employment
Bill Payer 12.00% Up to 36 MOS
Share(100%) 4.5% Up to 12 YRS Savings Balance**
CD Loan CD Rate Plus 2.5% To CD Balance**
Educational 10.00% Up to 48 YRS $5,000 MAX
Second Mortgages 6.00% To 15 YRS Fixed for 3 YRS**
6.25% To 15 YRS Fixed for 5 YRS
Up to 85% Value**
Home Equity Line of Credit Prime + .50BP Fixed for 15 YRS Up to 85% Value**
5.50% Fixed for 5 YRS
Up to 85% Value Max. 99K**
6.00% Fixed for 10 YRS
Up to 85% Value Max. 99K**
6.25% Fixed for 15 YRS
Up to 85% Value Max. 99K**
VISA 12.00%
Motorcycle
New 9.50% Up to 60 MOS $20,000 MAX
75% of Gross
Dealer Invoice
Used 10.00% Up to 48 MOS
Boat
New 10.00% Up to 60 MOS $40,000 MAX
75% of Purchase
Price/Retail
Used 12.00% Up to 60 MOS

Savings Rates (as of March,2005)
SAVINGS 
.75%  
CHECKING .25%  
IRA 1.50%  
HOLIDAY CLUB ACCOUNTS .60%  
VACATION CLUB ACCOUNTS
.60%  
CDs Jumbo CDs
6 MOS 2.71%
2.75(APY)
9 MOS >$50K
3.44%
3.50%(APY)
12 MOS 2.96%
3.00%(APY)
9 MOS >$99K
3.68%
3.75%(APY)
24 MOS 3.20%
3.25%(APY)
18 MOS >$50K
3.68%
3.75%(APY)
    18 MOS >$99K
3.92%
4.00%(APY)

Money Market Accounts
Rate
APY
Min Balance
1.75%
1.77%
$2500.00
2.00%
2.02%
$20000.00
* Rates subject to change weekly.
(NOTE: Rates subject to change without notice)
Above loan rates are discounted base upon payroll deductions for employees of companies having a payroll transfer relationship with the credit union; and members on direct payment programs. Other type of loan payments are subject to increased loan rates at time of loan inception.
Preferred Members - discount loan by .50% (1/2 of 1%) if member has share, checking, and CD account with $500 balance. Accounts must be under the same name.
** Preferred Member Discount Does Not Apply

 

 
 
 
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   Seaport Federal Credit Union
   P.O. Box 2000 Elizabeth, NJ 07207. Toll Free (800) 526-6991 Fax (908) 558-6482.