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Current Loan Rates
 
  Rate
   Rate
(Preferred  Members)
    
New Auto
6.25% 6.00% 36 MOS 100% Dealer Invoice/Value Max $50,000
6.50% 6.25% 48 MOS
6.75% 6.50% 60 MOS
7.25% 7.00% 72 MOS
Used Auto
(Model Year 98+)
6.25% 6.0% 36 MOS 100% Dealer Invoice/Value Max $50,000
6.50% 6.25% 48 MOS
7.0% 6.75% 60 MOS

NOTE :
AUTO LOAN MAX=$50,000
Personal        
Signature 12.50%* Up to 36 MOS Max To $5,000 Based Upon Employment *Preferred Member Rate  
Bill Payer 12.50%* Up to 36 MOS Max to $5,000 Based Upon Employment *Preferred Member Rate  
Share(100%) 5.00% Up to 12 YRS Savings Balance**  
CD Loan CD Rate Plus 2.5% Up to 12 YRS To CD Balance**  
Educational 10.50% Up to 48 YRS $5,000 MAX  
Second Mortgages 7.00% To 15 YRS Fixed for 3 YRS Up to 85% Value**  
7.25% To 15 YRS Fixed for 5 YRS Up to 85% Loan to Value**  
Home Equity Line of Credit Prime - .50 BP To 20 YRS Up to 85% Loan To Value**  
 
 
 
Visa 12.00% Revolving Up to $7500 based on employment  
Motorcycle        
New 9.50%* Up to 60 MOS $20,000 MAX 75% of Gross Dealer Invoice *Preferred Member  
Used 10.0%* 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
Savings .50%      
Checkings .25%      
IRA 2.00%      
HOLIDAY CLUB ACCOUNTS .60%      
VACATION CLUB ACCOUNTS .60%      
CDs  
12 MOS 2.81%
2.85%(APY)
24 MOS 2.96%
3.00%(APY)
36 MOS 3.15%
3.20%(APY)
48 MOS 3.34%
3.40%(APY)
60 MOS 3.44%
3.50%(APY)
6 MOS 2.71%
2.75%(APY)
(APY)
Jumbo CDs
6 MOS >$99K
2.86%
2.90%(APY)
12 MOS >$50K
2.91%
2.95%(APY)
12 MOS >$99K
2.96%
3.00%(APY)
24 MOS >$50k
3.05%
3.10%(APY)
24 MOS >$99k
3.10%
3.15%(APY)
36 MOS >$50K
3.25%
3.30%(APY)
36 MOS >$99K
3.29%
3.35%(APY)
48 MOS >$50K
3.44%
3.50%(APY)
48 MOS >$99K
3.49%
3.55%(APY)
60 MOS >$50K
3.54%
3.60%(APY)
60 MOS >$99K
3.58%
3.65%(APY)
6 MOS >$>$50KK
2.810%
2.85%(APY)


Money Market Accounts
Rate
APY
Min Balance
1.49% 1.50% $2500.00
1.73% 1.75% $20000.00
1.98% 2.00% $75000.00
* 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.