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Rates

Risk-Based | Loans | Mortgage | Savings | Certificates

APR signifies Annual Percentage Rate.  Rates are subject to change without notice.  Your rate is determined by your account relationship and credit score; must have a SCU checking with direct deposit and e-statements to receive AS LOW AS rate.
Empirica Score

A+ >732

A
731-690
B
689-649
C
648-600
D
599-541
E
<541
Auto, Recreational Vehicles, Motorcycles,
Boats (RATES LISTED AS LOW AS)
36 Mo. 2.99 3.24 5.24 8.74 17.49 20.49
48 Mo.
3.24 3.49 5.49 8.99 17.74 20.99
60 Mo.
3.49 3.74 5.74 9.24 17.99 21.49
72 Mo.
4.99 5.24 6.24 9.99 18.49 21.99
84 Mo.
(A+/ A borrowers only-new vehicle over $20,000.00)
ATVs, jet skis, snowmobiles   5.49 5.99 7.49 12.24 19.24 22.24
Signature (up to 36 mo)
  5.99 6.49 7.99 12.74 20.74 23.74
Signature (37 - 60 mo)   6.49 6.99 8.49 12.74 20.74 23.74
Savings Secured   2.99 3.24 5.00 6.50 8.50 11.50
Home Equity Line as low as 5.00
Kwik Cash Loan 10.90 Business Kwik Cash 14.99
Construction 2.99
 
First Mortgage Balloon Notes - Owner Occupied/Second Homes A+ A B C D E
Rates listed are as low as
up to 2 years 4.24 4.49 5.74  6.74  *

3 year 4.49 4.74 5.99  6.99  

4 year 4.74 4.99 6.24  N/A  

5 year 4.99 5.24 6.49  N/A
 

*D & E Borrowers, call for rates please! 
*For a second mortgage, call for rates please!

 

15 Year Fixed

Rate Points APR*

3.500

  3.61


20 Year Fixed

Rate Points APR*

4.250

  4.34


30 Year Fixed

Rate Points APR*
4.375  

4.44

 

*APR = Annual Percentage Rate
-The above fixed figures are based on a $100,000.00 loan with 20% down at the above terms.
-All rates and terms are subject to approved credit, income, and collateral.

Rates are subject to change in response to current market conditions.

The above fixed figures are effective as of April 24, 2014, at 10:45 am CDT.
-Shipbuilders Credit Union and/or its employees are not responsible for error, omissions, or interim revisions.


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Rates are subject to change without notice.

 

Savings Minimum Balance Dividend Rate APY* Term
Savings $5 0.100 0.100 n/a
Share Draft   0.100 0.100 n/a
IRA   0.100 0.100 n/a
Escrow   0.150 0.150 n/a
Club Account       0.100 0.100 n/a
Shipmates Money Market Account 1st Level $1.00 0.100 0.100 n/a
Shipmates Money Market Account 2nd Level $5,000 0.150 0.150 n/a
Shipmates Money Market Account 3rd Level $15,000 0.200  0.200 n/a

Shipmates Money Market Account 4th Level

$35,000 0.399 0.400

n/a

Health Savings Account - 1st Level $1.00 0.100 0.100 n/a
Health Savings Account - 2nd Level $2,000 0.100 0.100 n/a
Health Savings Account - 3rd Level $5,000 0.150 0.150 n/a
Health Savings Account - 4th Level $15,000 0.200 0.200 n/a

Health Savings Account - 5th Level

$35,000 0.399 0.400

n/a

 

*APY = Annual Percentage Yield
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Rates are subject to change without notice.

 

Certificates Minimum Deposit Dividend Rate APY* Term
IRA Certificate $500 0.499 0.500 12
IRA Certificate $500    0.698 0.700 24
IRA Certificate $500

0.995

1.000 36
Share Certificate (Under $10,000) $500 0.300 0.300 6
Share Certificate (Under $10,000) $500 0.349 0.350 12
Share Certificate (Under $10,000) $500   0.548 0.550 24
Share Certificate (Under $10,000) $500 0.896 0.900 36
Share Certificate (Over $10,000) $10,000 0.300 0.300 6
Share Certificate (Over $10,000) $10,000 0.499 0.500 12
Share Certificate (Over $10,000) $10,000 0.698 0.700 24

Share Certificate (Over $10,000)

$10,000

0.995

1.000

36 

TEEN CD Special - - non-renewable; restricted deposits to max of $1,000; see About Us/What's New page for more details

$100 9.532 10.00 n/a

 

*APY = Annual Percentage Yield.  Early withdrawal penalties may apply with Certificates of Deposit.

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This credit union is federally insured to at least
$250,000 by the National Credit Union Administration.
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