SMSE Rates

Our Dividend and Loan Rates are very competitive.  Check them out!

Dividend Rates

Share Accounts
Effective Date: October 1, 2012
AccountAPY**Balance Requirements
Share Draft (Checking) 0.05% $500.00 - $999.99
Monthly Low Balance Fee*** 0.15% $1,000.00 +
Regular Share (Savings) 0.10% $100.00 - $499.99
  0.25% $500.00 +
Kids Club Share (Ages 0 - 17) 0.10% $100.00 - $499.99
  0.25% $500.00 +
Kids Club Shares: Up to age 18. No quarterly low balance fee.
Christmas / Vacation Club 0.10% $100.00 - $499.99
  0.25% $500.00 +
Traditional IRA Share 0.50% $100.00 +
Super Saver 0.30% $500.00 - $4,999.99
  0.35% $5,000.00 - $19,999.99
  0.40% $20,000.00 - $49,999.99
  0.50% $50,000 +

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Certificates
Effective Date: September 19, 2018
TermRateAPY**Balance Requirements
6 Month 0.75% 0.75% Opened with $500.00 - $49,999.99
  0.75% 0.75% Opened with $50,000.00 +
12 Month 1.00% 1.00% Opened with $500.00 - $49,999.99
  1.00% 1.00% Opened with $50,000.00 +
24 Month 2.25% 2.27% Opened with $500.00 - $49,999.99
36 Month 2.25% 2.27% Opened with $500.00 - $49,999.99
  2.25% 2.27% Opened with $50,000 +
48 Month 2.25% 2.27% Opened with $500.00 - $49,999.99
60 Month 2.25% 2.27% Opened with $500.00 - $49,999.99

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IRA Certificates
Effective Date: September 19, 2018
TermRateAPY**Balance Requirements
12 Month 0.75% 0.75% $500.00 Minimum Balance
36 Month 2.25% 2.27% $500.00 Minimum Balance
48 Month 2.25% 2.27% $500.00 Minimum Balance
60 Month 2.25% 2.27% $500.00 Minimum Balance

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Kids Club Rates
Effective Date: March 22, 2017
NameRateAPY*Balance RequirementsTerm(Months)
Kids Club Certificates 0.75% 0.75% $100 Minimum 12
  1.30% 1.30%   36
  1.75% 1.76%   60
  1.75% 1.76%   84
Rates on maturing certificates only. No new Kid's Club certificates available.

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Loan Rates

Auto Loans
Effective Date: 03/15/16
Loan TypeModel YearsTerm(Months)APR*
Auto Loan ($25,000.00 +) current year-up to six months old up to 72 4.25%
Auto Loan 2013 - 2016 up to 60 4.25%
  2009 - 2012 up to 48 5.75%
  2008 and older up to 36 6.75%
  Classic or Antique

up to 36

8.00%

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RV / Motorcycle / Boat Loans
Effective Date: 03/15/16
Loan TypeModel YearsTerm(Months)APR*
RV / Motorcycle 2014 - 2016 up to 60 5.25%
RV / Motorcycle 2012 - 2013 up to 48 5.25%
  2009 - 2011 up to 36 6.75%
  2008 and older up to 36 11.00%
  Classic or Antique up to 48 8.00%
Boat Loans 2013 - 2016 up to 60 5.25%
  2009 - 2012 up to 48 5.25%
  2008 and older up to 36 11.00%

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Share Secured / Unsecured Loans
Effective Date: 12/31/09
Loan TypeLoan RequirementsTerm(Months)APR*
Share / Certificate Secured 3% Over Dividend Rate up to 60 5.00% Minimum
Unsecured - One Year Special Maximum Loan Amount $3,000.00 12 8.00%
Unsecured - Closed - End   up to 36 11.00%
    37 - 60 13.00%

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VISA
Effective Date: 12/31/09
Card TypeGrace PeriodAPR*
VISA Platinum 25 Days

8.90%

VISA Classic 25 Days

13.92%


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*APR = Annual Percentage Rate.

**APY = Annual Percentage Yield.  Dividends are Calculated on the Average Balance.

**Monthly/Quaterly Low Balance Fees are Accessed on Accounts if the Actual Balance Falls Below $100 During the Period.  Applicable Fees Assessed Against an Account, May Reduce Earning on that Account

Final rate is determined by loan applicant's credit score and relationship with the credit union. Rates featured are listed "as low as" and subject to credit approval. All rates are subject to change.