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Sandia Laboratory Federal Credit Union RatesPDF Rate Sheet
Fixed Rate Mortgages
Current 10-Year Treasury Securities Rates (Histories are also available.)
Share SavingsRates effective March 10, 2010 - March 16, 2010(APY) Annual Percentage Yield if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.
** Dividend rate and APY are variable and may change at the discretion of the Board of Directors.
Share Draft CheckingRates effective March 10, 2010 - March 16, 2010(APY) Annual Percentage Yield if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.
** (Rate) Dividend rate and APY are variable and may change at the discretion of the Board of Directors.
s1 Annual Percentage Yield as of effective date. There is no monthly service charge on member's first two Money Manager share draft checking accounts ($2 charge per month for each additional account); 10 ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions at CU anytime locations .$50 and at other ATMs $.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.
s2 There is no monthly service charge on member's first two Quick Cash share draft checking accounts ($2 per month for each additional account); 20 free ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions for $.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.
Money MarketRates effective March 10, 2010 - March 16, 2010| Account Type | Balance | APY* | Rate** | | | | | Sandia Investors' Choice Money Market: $2,500 - $9,999 | $2,500 - $9,999 | .85 | .85 |  | | | | | Sandia Investors' Choice Money Market: $10,000 - $24,999 | $10,000 - $24,999 | 1.06 | 1.05 | | | | | | Sandia Investors' Choice Money Market: $25,000 - $49,999 | $25,000 - $49,999 | 1.16 | 1.15 | | | | | | Sandia Investor's Choice Money Market: $50,000 and over | $50,000 and over | 1.26 | 1.25 | | |
Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.
Dividend rate and APY are variable and may change at the discretion of the Board of Directors.
Term Share CertificatesRates effective March 10, 2010 - March 16, 2010| Account Type | Balance | APY* | Rate** | | | | | 6 to 11 months: s3 | $1,000 - $49,999 | 1.11 | 1.10 | | | | | | 6 to 11 months s3 | $50,000 - $99,999 | 1.21 | 1.20 | | | | | | 6 to 11 months s3 | $100,000 to $199,000 | 1.31 | 1.30 | | | | | | 6 to 11 monthss3 | 200,000 and over | 1.41 | 1.40 | | | | | | 12 to 23 months s3 | $1,000 - $49,999 | 1.31 | 1.30 | | | | | | 12 to 23 months s3 | $50,000 - $99,999 | 1.41 | 1.40 | | | | | | 12 to 23 months s3 | $100,000 to $199,000 | 1.51 | 1.50 | | | | | | 12 to 23 monthsS3 | 200,000 and over | 1.61 | 1.60 | | | | | | 18 month bump rate s3, s4 | $2,000 - $49,999 | 1.82 | 1.80 | | | | | | 18 month bump rate s3, s4 | $50,000 - $99,999 | 1.92 | 1.90 | | | | | | 18 month bump rate s3, s4 | $100,000 to $199,000 | 2.02 | 2.00 | | | | | | 18 month bump rate S3, S4 | 200,000 and over | 2.12 | 2.10 | | | | | | 24 to 35 months s3 | $1,000 - $49,999 | 2.17 | 2.15 | | | | | | 24 to 35 months s3 | $50,000 - $99,999 | 2.28 | 2.25 | | | | | | 24 to 35 months s3 | $100,000 to $199,000 | 2.38 | 2.35 | | | | | | 24 to 35 months S3 | $200,000 and over | 2.45 | 2.45 | | | | | | 36 months s3 | $1,000 - $49,999 | 2.58 | 2.55 | | | | | | 36 months s3 | $50,000 - $99,999 | 2.53 | 2.50 | | | | | | 36 months | $200,000 and over | 2.63 | 2.60 | | | | | | 36 months s3 | $100,000 - $199,000 | 2.84 | 2.80 | | | | | | 48 month variable rate up to $49,999 s3, s5 | $1,000 - $49,999 | 1.21 | 1.20 | | | | | | 48 month variable rate, $50,000 - $99,999 s3, s5 | $50,000 - $99,999 | 1.31 | 1.30 | | | | | | 48 month variable rate, $100,000 and over s3, s5 | $100,000 to $199,000 | 1.41 | 1.40 | | | | | | 48 month variable rate, $200,000 and over S3, S5 | $200,000 and over | 1.41 | 1.40 | | |
Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.
** Dividend Rate and APY are variable and may change at the discretion of the Board of Directors.
s3 A penalty may be imposed for early withdrawal.
s4 The dividend rate and APY of the 18 month "bump rate" certificate may be changed to the current dividend rate and APY one time during the term at the owner's option.
s5 The dividend rate and APY of the 48 month certificate are variable.
IRAsRates effective March 10, 2010 - March 16, 2010| Account Type | Balance | APY* | Rate** | | | | | 6 to 11 months s3 | $1,000 - $49,999 | 1.26 | 1.25 | | | | | | 6 to 11 months s3 | $50,000 - $99,999 | 1.36 | 1.35 | | | | | | 6 to 11 months s3 | $100,000 to $199,000 | 1.46 | 1.45 | | | | | | 6 to 11 months | $200,000 and over | 1.56 | 1.55 | | | | | | 12 to 23 months s3 | $1,000 - $49,999 | 1.46 | 1.45 | | | | | | 12 to 23 months s3 | $50,000 - $99,999 | 1.56 | 1.55 | | | | | | 12 to 23 months s3 | $100,000 to $199,000 | 1.66 | 1.65 | | | | | | 12 to 23 months | $200,000 and over | 1.77 | 1.75 | | | | | | 18 month bump rate s3, s4 | $2,000 - $49,999 | 1.97 | 1.95 | | | | | | 18 month bump rate s3, s4 | $50,000 - $99,999 | 2.07 | 2.05 | | | | | | 18 month bump rate s3, s4 | $100,000 to $199,000 | 2.17 | 2.15 | | | | | | 18 month bump rate | $200,000 and over | 2.28 | 2.25 | | | | | | 24 to 35 months s3 | $1,000- $49,999 | 2.33 | 2.30 | | | | | | 24 to 35 months s3 | $50,000 - $99,999 | 2.43 | 2.40 | | | | | | 24 to 35 months s3 | $100,000 to $199,000 | 2.53 | 2.50 | | | | | | 24 to 36 months | $200,000 | 2.63 | 2.60 | | | | | | 36 months s3 | $1,000 - $49,999 | 2.69 | 2.65 | | | | | | 36 months s3 | $50,000 - $99,999 | 2.79 | 2.75 | | | | | | 36 months s3 | $100,000 to $199,000 | 2.89 | 2.85 | | | | | | 36 months | $200,000 and over | 2.99 | 2.95 | | | | | | 48 month variable rate s3, s5 | $1,000 - $49,999 | 1.11 | 1.10 | | | | | | 48 month variable rate s3, s5 | $50,000 - $99,999 | 1.21 | 1.20 | | | | | | 48 month variable rate s3, s5 | $100,000 to $199,000 | 1.31 | 1.30 | | | | | | 48 month variable rate | $200,000 and over | 1.41 | 1.40 | | |
* Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.
**Dividend Rate and APY are set according to your term.
s3 A penalty may be imposed for early withdrawal.
s4 The dividend rate and APY of the 18 month "bump rate" certificate may be changed to the current dividend rate and APY one time during the term at the owner's option.
s5 The dividend rate and APY of the 48 month certificate are variable.
New or Used Car, Truck, Van, Sport Utility VehicleRates effective March 10, 2010 - March 16, 2010| Account Type | Term | APR | | | | | New Car, Truck, Van, Sport Utility Vehicle c1 | To 36 months | as low as 4.39% | | | | | | New Car, Truck, Van, Sport Utility Vehicle c1 | 37 - 48 months | as low as 4.69% | | | | | | New Car, Truck, Van, Sport Utility Vehicle c1 | 49 - 60 months | as low as 4.99% | | | | | | New Car, Truck, Van, Sport Utility Vehicle c1 | 61 - 84 months | as low as 5.29% | | | | | | Used Car, Truck, Van, Sport Utility Vehicle c1 | To 36 months | as low as 4.54% | | | | | | Used Car, Truck, Van, Sport Utility Vehicle c1 | 37 - 48 months | as low as 4.84% | | | | | | Used Car, Truck, Van, Sport Utility Vehicle c1 | 49 - 60 months | as low as 5.14% | | | | | | Used Car, Truck, Van, Sport Utility Vehicle c1 | 61 - 72 months | as low as 5.44% | | |
c1 Fixed rate loans, 100% financing available including tax, title, license and extended warranties. Vehicles from the current or two previous model years and mileage=<25,000 qualify for new car rates. Available rate is based on credit history and term and may be higher than rates listed here. All loans subject to credit approval.
Rates subject to chenge without further notice.
Other VehiclesRates effective March 10, 2010 - March 16, 2010| Account Type | Term | APR | Note | | | | | Recreational Vehicles, New c2 | Up to 240 months | as low as 6.45% | 100% financing available. | | | | | | Recreational Vehicles, Used c2 | Up to 180 months | as low as 7.45% | 10 years old or newer; 100% financing | | | | | | New motorcycle, ATV, Boat, Boat Motor, Trailer c2 | Up to 120 months | as low as 6.45% | 100% financing available. | | | | | | Used motorcycle, ATV, Boat, Boat Motor, Trailer c2 | Up to 120 months | as low as 7.45% | 10 years old or newer, 100% financing available | | |
c2 Variable rate loan, subject to change, not everyone will qualify for lowest rate. Special conditions apply. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Lowest APR is based on shortest term for product. Term based on amount financed.
Personal Loans/Lines of CreditRates effective March 10, 2010 - March 16, 2010| Account Type | Term | APR | Note | | | | | Signature Loan c2 | To 36 months | as low as 9.74% | Borrow up to your approved credit limit. | | | | | | Signature Loan c2 | 37 - 48 months | as low as 10.24% | Borrow up to your approved credit limit. | | | | | | Signature Loan C2 | 49-60 months | As low as 10.74% | Borrow up to your approved credit limit.
| | | | | | Signature CreditLine c2 | To 48 months | as low as 10.49% | Borrow up to your approved credit limit. | | |
c2 Variable rate loan, subject to change, not everyone will qualify for lowest rate. Special conditions apply. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Lowest APR has term limit of 36 months. Term based on amount financed.
Computers and Other GoodsRates effective March 10, 2010 - March 16, 2010c3 Adjustable rate loan, subject to change. All loans subject to credit approval. Special conditions apply. Check with credit union for details.
EducationRates effective March 10, 2010 - March 16, 2010| Account Type | Term | APR | Note | | | | | Student Loan c3 | 84 months | 9.85% | Borrow up to $40,000 for college expenses. | | |
c3 Adjustable rate loan, subject to change. All loans subject to credit approval. Special conditions apply. Check with credit union for details.
Credit CardsRates effective March 10, 2010 - March 16, 2010C4 25 day grace period, interest charged under system known as average daily balance, including new transactions. No annual fee. Minimum finance charge is zero on purchases. $20 over limit fee, $5 cash advance fee and a $20 late payment fee. VISA: 1% international transaction fee. MasterCard: .8% cross border fee and .2% conversion fee. APR may be adjusted with proper notice.
Secured LoansRates effective March 10, 2010 - March 16, 2010c5 Variable rate loan, rate subject to change. All loans subject to credit approval. Special conditions may apply. Check with the credit union for details.
Owner Occupied Mortgage LoansRates effective February 15, 2010 - March 14, 2010
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| Account Type | Type | Term | APR | LTV | | | | | SmartARM Variable Rate m1,m6 | 1st | 20 years | 4.89% | 80% | | | | | | Jumbo SmartARM Variable Rate m1,m6 | 1st | 20 years
| 5.04% | 80% | | | | | | Jumbo Smart Value 5/25 Fixed/Variablem5,m6 | 1st | 30 years | 5.93% | 80% | Fixed rate for 5 years, then variable. | | | | | | Jumbo SmartValue 3/37 Fixed/Variable m5,m6 | 1st | 40 years | 5.73% | 80% | Fixed rate for 3 years, then variable. | | | | | | SmartARM Variable Rate m1,m6 | 1st | 30 years | 5.06% | 80% | | | | | | SmartARM Variable Rate m1, m6 | 2nd w/SLFCU 1st | 20 years | 4.86% | Up to 95% | | | | | | SmartARM Variable Rate m1, m6 | 2nd w/o SLFCU 1st | 20 years
| 5.56% | Up to 90% | | | | | | Smart Value 5/15 Fixed/Variable m5,m6 | 1st | 20 Years | 5.59% | 80% | Fixed rate for 5 years then variable. | | | | | | Smart Value 5/25 Fixed/Variable m5,m6 | 1st | 30 Years | 5.77% | 80% | Fixed rate for 5 years, then variable. | | | | | | SmartValue 3/37 Fixed/Variable m5,m6 | 1st | 40 years | 5.56% | 80% | Fixed rate for 3 years, then variable. | | | | | | Home Equity CreditLine m2,m6 | 1st | 20 years | 5.69% | 85% | | | | | | Home Equity CreditLine m2,m6 | 2nd w/SLFCU 1st | 20 years | 5.66% | Up to 95% | | | | | | Home Equity CreditLine m2,m6 | 2nd w/o 1st | 20 years | 6.36% | Up to 90% | | |
M1 Variable rate loans adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 6% from the rate at issue; in no event will the rate fall below 4.5%. Index is 10-year US Treasury Security. Loan payments adjusted every 3 years.
M2 Variable rate loans adjusted quarterly with adjustment not to exceed 1/2% and will not vary more than 7% from rate of issue for the first 10 years. Index is 10-year US Treasury Security. Rate will not fall below 5.5%.
M3 Variable rate loans adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 5% from the rate at issue; in no event will the rate fall below 5%. Index is 10-year US Treasury Security. Loan payments adjusted every 3 years.
M4 Rate fixed for six months. Principal and interest due at end of term. Interest accrues during term. title policy fee and/or survey fee may apply.
M5 Hybrid loan with rate and payment fixed for first three years from date of origination for 40-year loan, and for the first five years from the date of origination for 20 and 30 year loans. After the initial fixed rate, the loan becomes variable rate loan, adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 7% from the rate at issue. In no event will rate fall below 4.5%. Index is 10-year US Treasury Security. Loan payments adjusted every three years.
M6 Fee determined by loan type and balance. For purchases and refinances, there is a $20 non-refundable application fee. If you are approved, there is an origination fee of $475 plus title & all closing costs for mortgages up to $417,000. and $1275 plus all title & closing costs for mortgages greater than $417,000. Third party fees may apply in certain circumstances. Additional fees may apply outside of New Mexico. You will receive a good faith estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Check with credit union for details. Fees subject to change without further notice.
M7 Hybrid construction loan with fixed rate, interest-only payments for the construction period (up to twelve months). After the construction period ends, the rate and payment are fixed until the 72nd month from the date of origination. Beginning in the 73rd month the loan becomes a variable rate loan, adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 6% from the rate at origination. In no event will rate fall below 4.5%. Index is 10-year US Treasury Security. Loan payment adjusted beginning in the 73rd month, and every three years thereafter.
M8 Construction loan with fixed rate, interest-only payments for the construction period (up to twelve months). After the construction period ends, Variable rate loans, adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 5% from the rate at issue; in no event will the rate fall below 4.5%. Index is 10-year US Treasury Security. Loan payments adjusted every 3 years. Limited time offer.
M20 Variable rate loans adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 5% from the rate at issue; in no event will the rate fall below 5%. Index is 10-year Treasury Security. Loan payments adjusted every 3 years. Mortgage is balloon type with payments based on 30-year amortization and a 15 year term.
Non-Owner Occupied Mortgage LoansRates effective February 15, 2010 - March 14, 2010
M3 Variable rate loans adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 5% from the rate at issue; in no event will the rate fall below 5%. Index is 10-year US Treasury Security. Loan payments adjusted every 3 years.
M20 Variable rate loans adjusted semi-annually with the adjustment not to exceed 1% and will not vary more than 5% from the rate at issue; in no event will the rate fall below 5%. Index is 10-year Treasury Security. Loan payments adjusted every 3 years. Mortgage is balloon type with payments based on 30-year amortization and a 15 year term.
M21 Variable rate loans adjusted each quarter with the adjustment not to exceed 1/2% and will not vary more than 6% from rate of issue for the first 5 years. Index is 10-year US Treasury Security. Rate will not fall below 5.5%.
M22 Fee determined by loan type and balance. For purchases and refinances, there is a $20 non-refundable application fee. If you are approved, there is an origination fee of $475 plus title & all closing costs for mortgages up to $417,000. and $1275 plus all title & closing costs for mortgages greater than $417,000. Third party fees may apply in certain circumstances. Additional fees may apply outside of New Mexico. You will receive a good faith estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Check with credit union for details. Fees subject to change without further notice.
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