Rates & Fees

 

Rates & Fees

Consumer Loan Rates

TypeRate
New or Used Autos (36 months or less) - New Money Only 2.49% - 12.49% APR
New or Used Autos (60 months or less) - New Money Only 2.99% - 12.99% APR
New or Used Autos (72 months or less) - New Money Only 3.25% - 13.25% APR
New Autos (84 months or less) 3.75% - 13.75% APR
Older Used Autos (60 months or less) 2.99% - 12.99% APR
Classic Used Autos (72 months or less) 8.25% - 18.00% APR
Line of Credit
*No minimum finance charge.
*Rate is not variable.
*No annual fee.		 10.50% - 18.00% APR
PSL (up to 72 months) 11.50% - 18.00% APR
Share (up to 120 months) share rate plus 2.50%
Furniture & Appliance (60 months or less) 10.75% - 18.00% APR
Boats (60 months or less) 4.00% - 14.00% APR
Boats (72 months or less) 4.50% - 14.50% APR
Boats (84 months or less) 5.00% - 15.00% APR
Boats (120 months or less) 6.25% - 16.25% APR
Motorcycles/Four Wheelers (60 months or less) 4.00% - 14.00% APR
Motorcycles (72 months or less) 4.50% - 14.50% APR
Vacation (up to 12 months) 11.50% - 18.00% APR
Education (up to 48 months) 7.00% - 17.00% APR
Stock (up to 60 months) 6.75% - 16.75% APR
Certificate of Deposit (CD)
 certificate rate plus 2.50%
Tractors (84 months or less) 7.25% - 17.25% APR
Stock Trailers (84 months or less) 7.25% - 17.25% APR
RVs (60 months or less) 5.00% - 15.00% APR
RVs (72 months or less) 5.50% - 15.50% APR
RVs (84 months or less) 5.75% - 15.75% APR
RVs (120 months or less) 6.25% - 16.25% APR
RVs (144 months or less) 6.50% - 16.50% APR

Standard/Gold/Platinum MasterCard
*No minimum finance charge.
*Rate is not variable.
*No annual fee.

8.90% - 14.90% APR

APR indicates annual percentage rate. Monthly payment amount approximately $18.83 on $1,000 for 60 months at 4.90% APR. Loans available to qualified members only.

Rates accurate as of 5/16/2013 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email.

Click here for a schedule of fees.

Real Estate Loan Rates

TypeNote RateAPR
Home Mortgages Click here for rates.
Home Equity Click here for rates.
Land (7 years and below) 6.00% 6.553%
Land (10 years and below) 6.50% 6.915%
Land (15 years; $30,000 and over) 6.50% 6.795%
Home Improvement (up to 5 years) as low as 4.75% 4.9773%
Home Improvement (up to 7 years) as low as 5.50% 5.6675%
Home Improvement (up to 10 years) as low as 6.00% 6.1224%
Home Improvement (up to 15 years offered for the first lien only) 6.50% 6.876%

Rental/Investment Property (up to 10 years)
Maximum loan amount $50,000

 6.50% 6.907%

Rental/Investment Property (up to 15 years)
Maximum loan amount $50,000

 7.25% 7.548%

The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $30,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.

Rates accurate as of 5/16/2013 and are subject to change at any time without notice. Rates may vary based on credit history. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email.

Click here for a schedule of fees.

Deposit Account Rates

TypeRate

Savings
(with minumum balance of $5)
(minimum opening deposit of $5)

 .25% APY

Checking
(with minumum balance of $2,500)
(minimum opening deposit of $50)

 .15% APY

IRA
(with minumum balance of $5)
(minimum opening deposit of $5)

 .60% APY

Christmas Club
(with minumum balance of $5)
(minimum opening deposit of $5)

 .25% APY

Certificate of Deposit - 6 months
(with minumum balance of $1,000)
(minimum opening deposit of $1,000)
30 day penalty will be imposed for early withdrawal.

 .40% APY

Certificate of Deposit - 12 months
(with minumum balance of $1,000)
(minimum opening deposit of $1,000)
90 day penalty will be imposed for early withdrawal.

 .60% APY

Certificate of Deposit - 18 months
(with minumum balance of $1,000)
(minimum opening deposit of $1,000)
120 day penalty will be imposed for early withdrawal.

 .80% APY

*APY indicates annual percentage yield.

Rates accurate as of 5/16/2013 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email.

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA - National Credit Union Administration, a U.S. Government Agency.

Click here for a schedule of fees.

Schedule of Fees

Checking Account Fees
Overdraft Protection $3 per transaction
Paid or Returned NSF $25
Paid or Returned Overdraft Privilege $25
Stop Payments $25
Temporary Checks $1/set
Check Orders Prices vary depending upon style
Commercial Checking
 $12 per month
Check Copy 2 free copies per statement; $2 per copy thereafter
Account Printout $1
Statement Copy $1

Other Fees
Returned Mail $5 per statement per quarter
Collection Item $10
Inactive Account
 $10 per quarter if inactive 2 years
Account Reconciliation
 $10 per hour
Account Research
 $10 per hour
Domestic Wire Transfer
 $15
Foreign Wire Transfer
 $35
Cashier's Check
 $3
Money Order
 $1
Travelers Check
 1% of purchase amount; $20 maximum
Returned Deposit Item
 $3 per charged back item
Teller Check $1
Late Loan 5% of payment
Visa Gift Card $3
Levies, Freezes, and Garnishments $10
ACH Fees
One-Time ACH Origination $8
Recurring ACH Origination No Charge
Returned ACH Item $10

 

Electronic Funds Transfer Fees
Nonproprietary Visa Check Card/ATM Withdrawal $1.50
Nonproprietary Visa Check Card/ATM Balance Inquiry $1
Nonproprietary Visa Check Card/ATM Transfer
 $1
Visa Check Card/ATM Card Reissue
 $5
Visa Check Card/ATM PIN Change
 $2 (excluding new cards)

Safe Deposit Box Fees
3 x 5 Safe Deposit Box $20
3 x 10 Safe Deposit Box $30
5 x 10 Safe Deposit Box
 $40
10 x 10 Safe Deposit Box
 $65
Safe Deposit Box Re-Key
 $5
Safe Deposit Box Drilling $150

Safe deposit box contents NOT federally insured by NCUA.

Fees are accurate as of 5/16/2013 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or toll-free 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email (sabinefcu@sabinefcu.org).

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