Rates

33 Month Certificate with One Time Bump

Loan Rates

Printable Rates

Auto & Motorcycle (New or Used, Model Years & Newer)

Rates Effective 06/27/2017
Term Maximum Loan Amount APR4 as low as1 Estimated Monthly Payment per $1000 Alert Me
36 months $150,000 1.49% $28.42
48 months $150,000 1.99% $21.69
60 months $150,000 2.49% $17.74
72 months $150,000 2.99% $15.19
84 months $150,000 3.49% $13.44

RV & Boat (New or Used, Model Years & Newer)

Rates Effective 06/27/2017
Term Maximum Loan Amount APR4 as low as 2 Estimated Monthly Payment per $1000 Alert Me
84 Months $250,000 3.49% $13.44
120 Months $250,000 3.99% $10.12
144 Months $250,000 4.49% $9.00
180 Months $250,000 4.99% $7.90

Personal Loans (Unsecured)

Rates Effective 06/27/2017
Term Maximum Loan Amount APR4 as low as Estimated Monthly Payment per $10003 Alert Me
Up to 60 months $50,000 8.99% $20.75

Citizenship Express (Unsecured)

Rates Effective 06/27/2017
Term Maximum Loan Amount APR5as low as6 Estimated Monthly Payment for $725 total loan amount8 Alert Me
Up to 12 Months $725 9.99% $63.71

Citizenship Plus (Unsecured)

Rates Effective 06/27/2017
Term Maximum Loan Amount APR5as low as7 Estimated Monthly Payment per $1000 borrowed9 Alert Me
Up to 24 Months $4000 11.99% $47.05

Visa® Credit Card

Rates Effective: 06/27/2017
Term Maximum Loan Amount APR4 as low as Estimated 3% Minimum Monthly Payment per $1000 Alert Me
Revolving $50,000 7.99% $30.00








Deposit Rate Disclosures

Service Fees Schedule

Electronic Funds Transfer Disclosure

Credit Card Terms and Conditions

Savings & Checking Rates

Printable Rates

Checking & Savings

Rates Effective: 06/27/2017
Account Minimum Balance APY1 Dividend Rate Alert Me
Savings $0 0.05% 0.05%
IRA Savings $0 0.15% 0.15%
Classic Checking $300 0.05% 0.05%
Feel Good Checking2 $0 - $500 6.14% 6.00%
$500.01 and above 0.05% 0.05%
High Yield Checking $0.01 - $9,999.99 0.05% 0.05%
$10,000 and above 0.08% 0.08%
Student Checking3 $0 - $500 4.06% 4.00%
$500.01 and above 0.05% 0.05%

Money Market Account

Effective Date: 06/27/2017
Minimum Balance APY1 Dividend Rate Alert Me
$0.01-$999.99 0.15% 0.15%
$1,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.35% 0.35%
$50,000-$99,999 0.45% 0.45%
$100,000 and $149,999 0.55% 0.55%
$150,000 and above 0.80% 0.80%


Share Certificate Rate Disclosure

Deposit Rate Disclosures

Service Fees Schedule

Electronic Funds Transfer Disclosure

Certificate & IRA Rates

Printable Rates

Share Certificate Accounts

Effective Date: 06/27/2017
Certificate Account Terms Minimum Balance APY1 Dividend Rate Alert Me
3 Months $1,000 0.25% 0.25%
6 Months $1,000 0.40% 0.40%
1 Year $1,000 0.50% 0.50%
18 Months $1,000 1.11% 1.10%
2 Years $1,000 1.41% 1.40%
3 Years $1,000 1.56% 1.55%
4 Years $1,000 1.77% 1.75%
5 Years $1,000 2.02% 2.00%
Jumbo: 6 Months $50,000 0.50% 0.50%
Super Jumbo: 6 Months $100,000 0.55% 0.55%
Super Jumbo: 30 Months $100,000 1.97% 1.95%
33 Months with One Time Bump $1,000 1.51% 1.50%

Community Development Share Certificate Accounts2

Effective Date: 06/27/2017
Certificate Account Terms Minimum Balance APY1 Dividend Rate Alert Me
3 Months $1,000 0.35% 0.35%
6 Months $1,000 0.45% 0.45%
9 Months $1,000 0.55% 0.55%
12 Months $1,000 0.65% 0.65%

IRA Accounts

Rates Effective: 06/27/2017
Terms Minimum Balance APY1 Dividend Rate Alert Me
IRA: 6 months $1,000 0.40% 0.40%
IRA: 1 year $1,000 0.50% 0.50%
IRA: 18 months $1,000 1.11% 1.10%
IRA: 2 years $1,000 1.41% 1.40%
IRA: 3 years $1,000 1.56% 1.55%
IRA: 4 years $1,000 1.77% 1.75%
IRA: 5 years $1,000 2.02% 2.00%
IRA: 33 Months with One Time Bump $1,000 1.51% 1.50%

Share Certificate Rate Disclosure

Deposit Rate Disclosures

Service Fees Schedule

Electronic Funds Transfer Disclosure

Business Deposit Rates

Printable Rates

Business Checking and Savings

Rates Effective: 06/27/2017
Minimum Balance APY1 Dividend Rate Alert Me
Business Membership Savings $5.00 0.05% 0.05%
Business Subsidiary Savings N/A 0.05% 0.05%
Small Business Checking N/A 0.05% 0.05%
Business Checking2 $2,500 0.05% 0.05%
Money Market $0.00 - $999.99 0.15% 0.15%
$1,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.35% 0.35%
$50,000 - $99,999 0.45% 0.45%
$100,000 and $149,999 0.55% 0.55%
$150,000 and above 0.80% 0.80%

Business Certificate Rates

Rates Effective: 06/27/2017
Terms Minimum Balance APY1 Dividend Rate Alert Me
6 months $1,000 0.40% 0.40%
1 Year $1,000 0.50% 0.50%
2 Years $1,000 1.41% 1.40%
3 Years $1,000 1.56% 1.55%
4 Years $1,000 1.77% 1.75%
5 Years $1,000 2.02% 2.00%
Jumbo: 6 months $50,000 0.50% 0.50%
Super Jumbo: 6 months $100,000 0.55% 0.55%
Super Jumbo: 30 Months $100,000 1.97% 1.95%
33 Months with One Time Bump $1,000 1.51% 1.50%
1APY is Annual Percentage Yield. APY, Dividend Rates, and Terms subject to change without notice. Account fees may reduce earnings on the account. $5.00 minimum initial deposit to establish membership. Dividend rate is subject to change at renewal, early withdrawal penalties may apply, including loss of interest earned. See the Shared Certificate Rates Disclosure. Please contact SMCU at (206) 398-5500 or (800) 334-2489 for further details.

2There is a $15 Minimum Balance Fee if the balance drops below $2,500.

Deposit Rate Disclosure

Share Certificate Rate Disclosure