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For details regarding our current rates, please refer to the charts below:
• Checking and Savings
• Fixed Rate Term Accounts
• IRA Term Accounts
• Loans
• Real Estate 1st Mortgage Loans
• Real Estate Home Equity Loans
| Product Name |
Min. Balance to
Earn Dividends |
DR |
APY |
| Regular Share Savings |
$100 |
1.00% |
1.00% |
| Premier Checking |
$500 |
0.55% |
0.55% |
| IRA Savings (Regular, Roth, Educational) |
$500 |
1.95% |
1.97% |
| Money Market Savings |
$2,500 |
1.85% |
1.87% |
| November 19, 2008 - November 25, 2008 |
| Premium Money Market Savings* |
$20,000 |
2.76% |
2.80% |
| Premium Plus Money Market Savings* |
$80,000 |
3.01% |
3.05% |
APY = Annual Percentage Yield. DR = Dividend Rate. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees may reduce earnings.
*Dividends on the Premium Money Market and Premium Plus Money Market Savings Account are compounded and credited weekly. |
| While every effort has been made to ensure that this web site contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by San Francisco Federal Credit Union. |
| Term |
Dividends Paid Monthly |
| Minimum Balance |
$1,000 |
$10,000 |
$25,000 |
$50,000 |
$100,000 |
| 3 Months |
I10 |
I11 |
I12 |
I13 |
I14 |
| DR |
2.570% |
2.677% |
2.706% |
2.735% |
2.765% |
| APY |
2.60% |
2.71% |
2.74% |
2.77% |
2.80% |
| 6 Months |
I15 |
I16 |
I17 |
I18 |
I19 |
| DR |
2.950% |
3.164% |
3.193% |
3.222% |
3.251% |
| APY |
2.99% |
3.21% |
3.24% |
3.27% |
3.30% |
| 12 Months |
I20 |
I21 |
I22 |
I23 |
I24 |
| DR |
3.358% |
3.358% |
3.358% |
3.358% |
3.358% |
| APY |
3.41% |
3.41% |
3.41% |
3.41% |
3.41% |
| 18 Months |
I25 |
I26 |
I27 |
I28 |
I29 |
| DR |
3.358% |
3.358% |
3.358% |
3.358% |
3.358% |
| APY |
3.41% |
3.41% |
3.41% |
3.41% |
3.41% |
| 24 Months |
I30 |
I31 |
I32 |
I33 |
I34 |
| DR |
3.338% |
3.552% |
3.581% |
3.610% |
3.639% |
| APY |
3.39% |
3.61% |
3.64% |
3.67% |
3.70% |
| 30 Months |
I35 |
I36 |
I37 |
I38 |
I39 |
| DR |
3.338% |
3.552% |
3.581% |
3.610% |
3.639% |
| APY |
3.39% |
3.61% |
3.64% |
3.67% |
3.70% |
| 36 Months |
I40 |
I41 |
I42 |
I43 |
I44 |
| DR |
3.629% |
3.842% |
3.871% |
3.900% |
3.928% |
| APY |
3.69% |
3.91% |
3.94% |
3.97% |
4.00% |
| 48 Months |
I45 |
I46 |
I47 |
I48 |
I49 |
| DR |
3.919% |
4.131% |
4.160% |
4.189% |
4.218% |
| APY |
3.99% |
4.21% |
4.24% |
4.27% |
4.30% |
| 60 Months |
I50 |
I51 |
I52 |
I53 |
I54 |
| DR |
4.015% |
4.227% |
4.256% |
4.285% |
4.314% |
| APY |
4.09% |
4.31% |
4.34% |
4.37% |
4.40% |
| APY = Annual Percentage Yield. DR = Dividend Rate. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions on your accounts, please call (415) 775-5377. |
| While every effort has been made to ensure that this web site contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by San Francisco Federal Credit Union. |
| Term |
Minimum Balance |
DR |
APY |
| 12 Months |
$1,000 |
3.358% |
3.41% |
| 18 Months |
$1,000 |
3.358% |
3.41% |
| 24 Months |
$1,000 |
3.639% |
3.70% |
| 30 Months |
$1,000 |
3.639% |
3.70% |
| 36 Months |
$1,000 |
3.928% |
4.00% |
| 48 Months |
$1,000 |
4.218% |
4.30% |
| 60 Months |
$1,000 |
4.314% |
4.40% |
| APY = Annual Percentage Yield. DR = Dividend Rate. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions on your accounts, please call (415) 775-5377. |
| While every effort has been made to ensure that this web site contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by San Francisco Federal Credit Union. |
| Product |
Term |
Fixed APR |
Variable APR |
| PrimePlus Line of Credit |
Revolving |
n/a |
12.00% |
| Closed End Signature Loan |
Up to 72 months |
n/a |
14.00% |
| Share Secured |
Up to 120 months |
n/a |
5.00% |
| Money Market Secured |
Up to 120 months |
n/a |
5.85% |
| New Auto |
Up to 84 months |
4.89% to 10.24%+ |
n/a |
| Used Auto |
Up to 72 months |
5.39% to 10.74%+ |
n/a |
| Visa Classic Credit Card |
Payment = $10 / 3% of balance |
n/a |
5.90% to 11.90% |
| Visa Platinum Credit Card |
Payment = $20 / 3% of balance |
n/a |
5.90% to 11.90% |
| Rates are determined at the time of application and are based on credit
worthiness. Variable rate formulas will be disclosed at the time of approval.
|
We also offer a 14.14% APR+ fixed "Credit Builder" rate for new vehicles and a
14.64% APR+ fixed "Credit Builder" rate for used vehicles. Rates are subject
to change without prior notice. Loans are subject to credit approval. +
Add 1% to the interest rate for cash/check payments.
|
| While every effort has been made to ensure that this web site contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by San Francisco Federal Credit Union. |
Conforming:
Loan amounts of $50,000 to $417,000 |
| Term |
Rate |
Points |
APR |
| 30 years |
5.375% |
2 |
5.614% |
| |
5.625% |
1 |
5.770% |
| |
5.875% |
0 |
5.930% |
| 20 years |
5.250% |
2 |
5.569% |
| |
5.500% |
1 |
5.690% |
| |
5.750% |
0 |
5.820% |
| 15 years |
5.125% |
2 |
5.527% |
| |
5.375% |
1 |
5.623% |
| |
5.625% |
0 |
5.710% |
|
Non-Conforming (Jumbo):
Loan amounts of $417,001 to $1,300,000 |
| Term |
Rate |
Points |
APR |
| 30 years |
5.875% |
1.75 |
6.072% |
| |
6.125% |
0.75 |
6.229% |
| |
6.375% |
0 |
6.410% |
| 20 years |
5.750% |
1.75 |
6.011% |
| |
6.000% |
0.75 |
6.389% |
| |
6.250% |
0 |
6.295% |
| 15 years |
5.625% |
1.75 |
5.960% |
| |
5.875% |
0.75 |
6.047% |
| |
6.125% |
0 |
6.180% |
|
| No Point / No Cost Fixed Rate 1st Mortgage2 |
Conforming:
Loan amounts of $100,000 to $417,000 |
| Term |
Rate |
APR |
| 30 years |
6.125% |
6.125% |
| 15 years |
5.875% |
5.875% |
|
Non-Conforming (Jumbo):
Loan amounts of $417,001 to $1,300,000 |
| Term |
Rate |
APR |
| 30 years |
6.625% |
6.625% |
| 15 years |
6.375% |
6.375% |
|
| Fix/Adjustable 1st Mortgage3 |
Conforming:
Loan amounts of $50,000 to $417,000 |
| Term |
Rate |
APR |
| 3/1 |
6.250% |
5.358% |
| 5/1 |
6.125% |
5.482% |
| 7/1 |
6.500% |
5.815% |
| 10/1 |
6.750% |
6.212% |
|
Fixed Rate for the first 3, 5, 7 or 10 years, then converts to an ARM with annual adjustments.
Index = 1 year London Interbank Offered Rate (LIBOR), Margin = 2.25%.
Initial Cap for 3/1 is 2%, Annual Cap is 2% and Lifetime Cap is 6%.
Initial Caps for 5/1, 7/1 and 10/1 are 5%, Annual Caps are 2% and Lifetime Caps is 5%.
|
Loan amounts of $50,000 to $1,300,000
As of 7/1/2008, APR at 4.699%. Rate changes every 1st of January and July, Index = Average of 6 months T-Bill plus 2.5% margin, rounded up to the nearest 1/8 percent. Adjustment cap of 2% semi-annually. Lifetime cap is 5%. |
| Try our Loan Amortization Calculator! Find out your estimated loan payment schedule based on the given loan amount, interest rate, and term. Click here. |
| 1 Interest rates are higher if loan-to-value ratio exceeds 80%, escrow of property taxes and hazard insurance premiums is requested, or property has 2-4 units. Pay $5.76 per month per $1000 borrowed for 30 years at 5.770% APR. For more payment samples, ask a Credit Union representative or use our Loan Amortization Calculator. FOR MORE INFORMATION ABOUT FIXED RATE 1ST MORTGAGE LOANS ON NON-OWNER-OCCUPIED PROPERTY, CALL (415) 359-2977. |
| 2 $500 fee due at application; credited after closing (non-refundable if loan application is denied by Credit Union or withdrawn by member). Pay $6.08 per month per $1000 borrowed for 30 years at 6.125% APR. For more payment samples, ask a Credit Union representative or use our Loan Amortization Calculator. |
| 3 Pay $6.16 per month per $1000 borrowed for 30 years at 5.358% APR. For more payment samples, ask a Credit Union representative or use our Loan Amortization Calculator. |
| 4 Pay $5.14 per month per $1000 borrowed for 30 years at 4.699% APR. For more payment samples, ask a Credit Union representative or use the Loan Amortization Calculator. |
| Real Estate loan rates are available on 1-4 unit owner-occupied properties in most Northern California counties. Credit Union membership is required for a loan. Rate lock for Fixed Rate 1st Mortgage for 60 days at no additional cost. Rates subject to change without notice. All loans subject to credit approval. |
| For more information or to apply for a loan, please contact our Real Estate Department at (415) 359-2977 or by e-mail at RealEstate@SanFranciscoFCU.com. |
| NO Points, NO Fees, NO Closing Costs! |
Fixed Rate Closed-End Home Equity Loan1 (Loan amounts of $10,000 - $250,000)
As of 11/1/2008, APRs range from 5.990% to 8.490%. 20 years maximum repayment term. |
Prime Based Home Equity Line of Credit (Loan amounts of $10,000 - $250,000)
As of 11/1/2008, APRs range from 3.750% to 5.500%
Qualified members will receive discounts up to 0.75% off the Prime Rate depending on first mortgage relationship, loan-to-value ratio (including equity line credit limit) and credit rating; subject to change. Lifetime maximum APR is 18.00% |
|
| Try our Loan Amortization Calculator! Find out your estimated loan payment schedule based on the given loan amount, interest rate, and term. Click here. |
| 1 Pay $8.84 per month per $1000 borrowed for 15 years at 6.740% APR. For more payment samples, ask a Credit Union representative or use the Loan Amortization Calculator. |
| No points, no closing costs, no annual fee, but you will reimburse $150 in closing costs absorbed by the Credit Union if you close and pay off the line or loan within 24 months of opening it. |
| Real Estate loan rates are available on 1-4 unit owner-occupied properties in most Northern California counties. Credit Union membership is required for a loan. Rates subject to change without notice. All loans subject to credit approval. |
| For more information or to apply for a loan, please contact our Real Estate Department at (415) 359-2977 or by e-mail at RealEstate@SanFranciscoFCU.com. |
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