DEPOSIT ACCOUNT RATES SAVINGS ACCOUNTS APR* APY** Regular Savings1 .25% .250% Holiday Club2 .40% .401% Adventure Club3 .25% .250% Vacation Club4 .25% .250% IRA Savings2 1.50% 1.510% CERTIFICATE OF DEPOSIT ACCOUNTS*** Minimum Deposit Term APR* APY** $500 6 Month 1.50% 1.510% $500 1 Year 2.00% 2.018% $2,500 3 Month 2.00% 2.018% $2,500 6 Month 2.40% 2.426% $2,500 1 Year 3.10% 3.144% $2,500 2 Year 3.40% 3.453% $2,500 3 Year 4.00% 4.074% $20,000 3 Month 2.10% 2.120% $20,000 6 Month 2.50% 2.529% $20,000 1 Year 3.20% 3.247% $20,000 2 Year 3.50% 3.556% $20,000 3 Year 4.10% 4.177% $2,000 IRA CD 1 Year 3.20% 3.247% $2,000 IRA CD 2 Year 3.50% 3.556% $2,000 IRA CD 3 Year 4.10% 4.177% * Annual Percentage Rate ** Annual Percentage Yield ***Penalties may be imposed for early withdrawal 1 Membership fee of $5 required. Initial deposit of $50 required. $100 Minimum daily balance required to obtain the disclosed APY. Dividends are declared quarterly by the Board of Directors and are subject to change. APY disclosed above is for the most recent dividend declaration period. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. 2 Initial deposit of $5 required. Dividends are declared monthly by the Board of Directors and are subject to change. APY disclosed above is for the most recent dividend declaration period. Dividends are paid from current income and available earnings, after the required transfers to reserves at the end of a dividend period. 3 Initial deposit of $5 required. Dividends are declared quarterly by the Board of Directors and are subject to change. APY disclosed above is for the most recent dividend declaration period. Dividends are paid from current income and available earnings, after the required transfers to reserves at the end of a dividend period. 4 Initial deposit of $5 required. $100 Minimum daily balance required to obtain the disclosed APY. Dividends are declared quarterly by the Board of Directors and are subject to change. APY disclosed above is for the most recent dividend declaration period. Dividends are paid from current income and available earnings, after the required transfers to reserves at the end of a dividend period. LOAN ACCOUNT RATES New & Used Auto Loans New & Used Auto Equity Loans SCCECU offers the same rate for new and used auto loans, and new and used auto equity loans. The APR* on the loan is determined by the credit union's evaluation of the credit worthiness of the applicant and SCCECU loan-to-value guidelines. We will loan up to 110% of the purchase price on new cars and up to the high Kelley Blue Book value on used cars. The maximum auto or auto equity loan is $75,000. These are fixed-rate loans. Quoted rates include .25% discount for ACH or Payroll Direct Deposit automatic payments. 72 & 84 Month Loan Terms may not be available for all applicants depending on the credit history of the applicant. TERM   APR* 36 Months 4.95% to 16.50% 48 Months 5.50% to 16.75% 60 Months 6.00% to 16.95% 72 Months 6.25% to 7.75% 84 Months 7.25% to 9.75% VISA Loans SCCECU VISA loans are variable-rate loans with the rate adjusting twice annually based on the Prime Rate published in the Wall St. Journal. The maximum VISA line of credit available is $20,000. TERM   APR* Open End Loan Prime Rate + 3.90% VISA Classic Open End Loan Prime Rate + 2.75% VISA Platinum Home Equity Term Loans SCCECU Home Equity Term loans are fixed rate loans. The APR* on the loan is determined by the credit union's evaluation of the credit history of the applicant. The maximum loan-to-value is 70% of the appraised value of the home, less other mortgages. The minimum loan amount is $20,000 and the maximum loan amount $500,000. TERM   APR* 7 Years 6.50% to 7.00% 10 Years 7.00% to 7.50% Home Equity Line Of Credit Loans SCCECU HELOC loans are variable-rate loans with the rate adjusting twice annually based on the Prime Rate as published in the Wall Street Journal. The maximum loan-to-value is 70% of the appraised value of the home, less other mortgages. The maximum HELOC loan is $500,000. TERM   APR* 15 Years Prime Rate + 0% to Prime Rate + 1.50% RV, Travel Trailer, Boat, Motorcycle Loans The APR* on these loans is determined by the credit union's evaluation of the credit worthiness of the applicant and SCCECU loan-to-value guidelines. We will loan up to 90% of the purchase price on new purchases and up to 100% of the low Kelley Blue Book value on used purchases. The maximum RV loan is $100,000. The maximum Travel Trailer or Boat loan is $75,000. The maximum Motorcycle loan is $30,000. The maximum Motorcycle loan term is 60 months. These are fixed-rate loans. Quoted rates include .25% discount for ACH or Payroll Direct Deposit automatic payments. TERM   APR* Up to 84 Months 7.70% to 16.00% PERSONAL LOANS The APR* on these loans is determined by the credit union's evaluation of the credit worthiness of the applicant. These are fixed rate signature loans. Quoted rates include .25% discount for ACH or Payroll Direct Deposit automatic payments. TERM   APR* 12 Months 10.00% to 12.00% 24 Months 10.25% to 12.25% 36 Months 11.50% to 14.25% 48 Months 12.25% to 15.25% Share And CD Secured Loans These are fixed-rate loans which are secured by deposits at the credit union. SCCECU will loan up to 100% of the account balance of the account securing the loan. Quoted rates include .25% discount for ACH or Payreoll Direct Deposit automatic payments.     TERM   APR* Share Secured   Up to 36 Months   5.50% CD Secured   CD Maturity   CD rate + 2.00% *Annual Percentage Rate. All rates are subject to change daily.