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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Share SavingsRates effective November 4, 2009 - November 10, 2009(APY) Annual Percentage Yield if dividends are not withdrawn during the term.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Draft CheckingRates effective November 4, 2009 - November 10, 2009(APY) Annual Percentage Yield if dividends are not withdrawn during the term.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 November 4, 2009 - November 10, 2009| Account Type | Balance | APY* | Rate** | | | | | Sandia Investors' Choice Money Market: $2,500 - $9,999 | $2,500 - $9,999 | .90 | .90 |  | | | | | 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 | 1.31 | 1.30 | | | | | | Sandia Investor's Choice Money Market: $50,000 and over | $50,000 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.
Term Share CertificatesRates effective November 4, 2009 - November 10, 2009| Account Type | Balance | APY* | Rate** | | | | | 6 to 11 months: s3 | $1,000 - $49,999 | 1.21 | 1.20 | | | | | | 6 to 11 months s3 | $50,000 - $99,999 | 1.36 | 1.35 | | | | | | 6 to 11 months s3 | $100,000 and over | 1.46 | 1.45 | | | | | | 12 to 23 months s3 | $1,000 - $49,999 | 1.61 | 1.60 | | | | | | 12 to 23 months s3 | $50,000 - $99,999 | 1.77 | 1.75 | | | | | | 12 to 23 months s3 | $100,000 and over | 1.87 | 1.85 | | | | | | 18 month bump rate s3, s4 | $2,000 - $49,999 | 2.07 | 2.05 | | | | | | 18 month bump rate s3, s4 | $50,000 - $99,999 | 2.22 | 2.20 | | | | | | 18 month bump rate s3, s4 | $100,000 and over | 2.33 | 2.30 | | | | | | 24 to 35 months s3 | $1,000 - $49,999 | 2.22 | 2.20 | | | | | | 24 to 35 months s3 | $50,000 - $99,999 | 2.38 | 2.35 | | | | | | 24 to 35 months s3 | $100,000 | 2.48 | 2.45 | | | | | | 36 months s3 | $1,000 - $49,999 | 2.58 | 2.55 | | | | | | 36 months s3 | $50,000 - $99,999 | 2.74 | 2.70 | | | | | | 36 months s3 | $100,000 and over | 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 | 1.36 | 1.35 | | | | | | 48 month variable rate, $100,000 and over s3, s5 | $100,000 and over | 1.46 | 1.45 | | |
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 November 4, 2009 - November 10, 2009| Account Type | Balance | APY* | Rate** | | | | | 6 to 11 months s3 | $1,000 - $49,999 | 1.36 | 1.35 | | | | | | 6 to 11 months s3 | $50,000 - $99,999 | 1.51 | 1.50 | | | | | | 6 to 11 months s3 | $100,000 and over | 1.61 | 1.60 | | | | | | 12 to 23 months s3 | $1,000 - $49,999 | 1.77 | 1.75 | | | | | | 12 to 23 months s3 | $50,000 - $99,999 | 1.92 | 1.90 | | | | | | 12 to 23 months s3 | $100,000 and over | 2.02 | 2.00 | | | | | | 18 month bump rate s3, s4 | $2,000 - $49,999 | 2.22 | 2.20 | | | | | | 18 month bump rate s3, s4 | $50,000 - $99,999 | 2.38 | 2.35 | | | | | | 18 month bump rate s3, s4 | $100,000 and over | 2.48 | 2.45 | | | | | | 24 to 35 months s3 | $1,000- $49,999 | 2.38 | 2.35 | | | | | | 24 to 35 months s3 | $50,000 - $99,999 | 2.53 | 2.50 | | | | | | 24 to 35 months s3 | $100,000 and over | 2.63 | 2.60 | | | | | | 36 months s3 | $1,000 - $49,999 | 2.74 | 2.70 | | | | | | 36 months s3 | $50,000 - $99,999 | 2.89 | 2.85 | | | | | | 36 months s3 | $100,000 and over | 2.99 | 2.95 | | | | | | 48 month variable rate s3, s5 | $1,000 - $49,999 | 1.21 | 1.20 | | | | | | 48 month variable rate s3, s5 | $50,000 - $99,999 | 1.36 | 1.35 | | | | | | 48 month variable rate s3, s5 | $100,000 and over | 1.46 | 1.45 | | |
* 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 November 4, 2009 - November 10, 2009| 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 November 4, 2009 - November 10, 2009| 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 November 4, 2009 - November 10, 2009| 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. | | | | | | Stock CreditLine or Stock Loan c2 | To 60 months | 9.25% | Borrow up to 75% of value. | | |
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 November 4, 2009 - November 10, 2009c3 Adjustable rate loan, subject to change. All loans subject to credit approval. Special conditions apply. Check with credit union for details.
EducationRates effective November 4, 2009 - November 10, 2009| 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 November 4, 2009 - November 10, 2009c4 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, no fees for transactions or purchases. There is an $20 over the limit fee and an $20 late payment fee. APR may be adjusted with proper notice. There is a 1% international transaction and international cash advance fee.
Secured LoansRates effective November 4, 2009 - November 10, 2009c5 Variable rate loan, rate subject to change. All loans subject to credit approval. Special conditions may aply. Check with the credit union for details.
Owner Occupied Mortgage LoansRates effective October 15, 2009 - November 14, 2009
Apply now!
| Account Type | Type | Term | APR | LTV | Note | | | | | SmartARM Variable Rate m1,m6 | 1st | 20 years | 4.79% | 80% | All purchases, $995 + title & closing costs. Refinances in New Mexico up to $250,000, $595 + title & closing costs. All states outside of new Mexico $995 + title and closing costs. Refinances over $250,000, $995 + title & closing costs.
| | | | | | SmartARM Variable Rate m1,m6 | 1st | 30 years | 4.97% | 80% | All purchases, $995 + title & closing costs. Refinances in New Mexico up to $250,000, $595 + title & closing costs. All states outside of new Mexico $995 + title and closing costs. Refinances over $250,000, $995 + title & closing costs.
| | | | | | SmartARM Variable Rate m1, m6 | 2nd w/SLFCU 1st | 20 years | 4.79% | Up to 95% | All purchases, $995 + title & closing costs. Refinances in New Mexico up to $250,000, $595 + title & closing costs. All states outside of new Mexico $995 + title and closing costs. Refinances over $250,000, $995 + title & closing costs. | | | | | | SmartARM Variable Rate m1, m6 | 2nd w/o SLFCU 1st | 20 years
| 5.47% | Up to 90% | All purchases, $995 + title & closing costs. Refinances in New Mexico up to $250,000, $595 + title & closing costs. All states outside of New Mexico $995 + title and closing costs. Refinances over $250,000, $995 + title & closing costs. Ask about lower rates with an SLFCU 1st mortgage. | | | | | | Smart Value 5/15 Fixed/Variable m5,m6 | 1st | 20 Years | 5.29% | 80% | Fixed rate for 5 years then variable. | | | | | | Smart Value 5/25 Fixed/Variable m5,m6 | 1st | 30 Years | 5.47% | 80% | Fixed rate for 5 years, then variable. | | | | | | SmartValue 3/37 Fixed/Variable m5,m6 | 1st | 40 years | 5.26% | 80% | Fixed rate for 3 years, then variable. | | | | | | Bridge Loan m4 | 1st / 2nd | 6 months | 7.75% | 85% | Move into your new home sooner! $595 application fee; maximum $100,000. | | | | | | Home Equity CreditLine m2,m6 | 1st | 20 years | 5.56% | 85% | All purchases $995 + title & closing costs. Refinances up to $250,000, $595 + title & closing costs. Refinances over $250,000, $995 + title and cosing costs.
| | | | | | Home Equity CreditLine m2,m6 | 2nd w/SLFCU 1st | 20 years | 5.56% | Up to 95% | All purchases $995 + title & closing costs. Ask about lower rates with an SLFCU 1st mortgage.
| | | | | | Home Equity CreditLine m2,m6 | 2nd w/o 1st | 20 years | 6.06% | Up to 90% | All purchases $995 + title & closing costs. Refinances up to $250,000, $595 + title & closing costs. Refinances over $250,000, $995 + title and cosing costs. Up to 95% financing available with SLFCU 1st mortgage.
| | | | | | Mobile Home m1,m9 | New | 12 years | 6.57% | 80% | Unattached mobile homes close with 1% origination and appraisal fee. Ask about fees for attached homes.
| | | | | | Mobile Home m1,m9 | Used | 12 years | 7.07% | 70% | Unattached mobile homes close with 1% origination and appraisal fee. Ask about fees for attached homes.
| | | | | | SmartArm Construction m1,m8 | 1st | 21 years | 4.79% | 80% | Only $995+ title and closing costs. Third party fees apply. Converts to permanent SmartARM loan. | | | | | | SmartArm Construction m1,m6 | 1st | 31 years | 4.99% | 80% | Only $995 + title and closing costs. Third party fees apply. Converts to permanent SmartARM loan. | | | | | | SmartValue 5/15 Fixed/Variable Construction m6,m7 | 1st | 21 years | 5.29% | 80% | All purchases, $995 + title & closing costs. Refinances up to $250,000, $595 + title & closing costs. Refinances over $250,000, $995 + title & closing costs. Converts to permanent financing.
| | | | | | SmartValue 5/25 Fixed/Variable Construction m6,m7 | 1st | 31 years | 5.47% | 80% | All purchases, $995 + title & closing costs. Refinances up to $250,000, $595 + title & closing costs. Refinances over $250,000, $995 + title & closing costs. Converts to permanent financing.
| | | | | | Jumbo SmartARM Variable Rate m1,m6 | 1st | 20 years
| 4.93% | 80% | All purchases, $995 + title & closing costs. | | | | | | Jumbo Smart Value 5/25 Fixed/Variablem6,m7 | 1st | 30 years | 5.63% | 80% | Fixed rate for 5 years, then variable. | | | | | | Jumbo SmartValue 3/37 Fixed/Variable m5,m6 | 1st | 40 years | 5.42% | 80% | Fixed rate for 3 years, then variable. | | |
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 refinances, there is a $75 application fee. If you are approved, there is a processing fee of $595 plus title & closing costs up to $250,000 and for $995 plus title & closing costs for mortgages greater than $250,000. For purchases there is a $75 application fee and a processing fee of $995 plus title costs & closing costs for all mortgage amounts. 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.
M9 Mobile homes attached to real estate and assessed as one: Purchase $1195 + title and closing; Refinance $795 + title and closing; unattached mobile homes have 1% origination fee and appraisal fee.
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 October 15, 2009 - November 14, 2009
| Account Type | Type | Term | APR | LTV | Note | | | | | SmartARM Mortgage m20,m22 | 1st | 15 years/30 year amortization. | 5.79% | 80% | $1,495 + title and closing costs for all amounts. | | | | | | SmartARM Mortgage m20,m22 | 2nd w/1st | 15 years/30 year amortization | 6.29% | 80% | With SLFCU 1st; $1495 + title and closing costs for all amounts. | | | | | | SmartARM Mortgage m20,m22 | 2nd w/o 1st | 15 years/30 year amortization | 6.80% | 80% | $1,495 + title for all amounts. | | | | | | Home Equity CreditLine m21,m22 | 1st | 15 years | 6.29% | 80% | $1,495 + title for all amounts. | | | | | | Home Equity CreditLine m21,m22 | 2nd w/SLFCU 1st | 15 years | 6.80% | 80% | With SLFCU 1st. $1,495 + title for all amounts. | | | | | | Home Equity CreditLine m21,m22 | 2nd w/o 1st | 15 years | 7.30% | 80% | $1,495 + title for all amounts. | | | | | | Vacant Land m3,m23 | N/A | 12 years | 6.68% | 75% | No points; 1% origination fee. | | | | | | Jumbo SmartARM Mortgage m20,m22 | 1st | 15 years/30 year amortization | 5.97% | 80% | $1,495 + title for all amounts. | | | | | | Jumbo Home Equity CreditLine m21.m22 | 2nd w/ 1st | 15 years | 7.00 | 80% | Close for $1495 + title and closing costs for all amounts. | | |
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 Title policy required for all non-owner-occupied HELOC/Mortgage loans. Survey fee may be required. Third party fees may apply in certain circumstances. All loans subject to credit approval. Fees are subject to change without further notice. You must insure property.
M23 Loan fee is 1% origination plus title policy. Survey fee may be required. You must insure property if required. All loans subject to credit approval. Fees subject to change without notice.
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