Rates

Mobile Rates

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Savings Accounts & IRAs

Call 800.947.5328 to open an IRA.

Share Savings
Effective Date: Saturday, May 23, 2015
TypeBalanceAPY*Dividend Rate**
Share Savings $100 - $9,999 0.20% APY 0.20% DR
IRA Share Savings $5 - $9,999 0.20% APY 0.20% DR
Savings & IRA Share Savings $10,000 - $49,999 0.30% APY 0.30% DR
Savings & IRA Share Savings $50,000 and over 0.40% APY 0.40% DR

*Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

**Dividend rate and APY may change at the discretion of the Board of Directors.

 

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Checking Accounts

Share Draft Checking
Effective Date: Saturday, May 23, 2015
TypeBalanceAPY*Dividend Rate**
Money ManagerS1 $500 and over 0.15% APY 0.15% DR
Quick CashS2 $15 initial deposit N/A N/A

*Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

**Dividend rate and APY 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 ($5 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 $0.50 and at other ATMs $0.75 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 ($5 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 $0.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.

 

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Money Market Savings

Money Market Savings
Effective Date: Saturday, May 23, 2015
BalanceMinimum BalanceAPY*Dividend Rate**
$2,500 - $9,999 $2,500.00 0.35% APY 0.35% DR
$10,000 - $24,999 $2,500.00 0.40% APY 0.40% DR
$25,000 - $49,999 $2,500.00 0.45% APY 0.45% DR
$50,000 and over $2,500.00 0.50% APY 0.50% DR

*Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

**Dividend rate and APY may change at the discretion of the Board of Directors.

 

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Term Share Certificates

Term Share Certificates
Effective Date: Saturday, May 23, 2015
TermBalanceMinimum Balance to OpenAPY*Dividend Rate**
6 - 11 monthsS3 $1,000 - $49,999 $1,000.00 0.40% APY 0.40% DR
6 - 11 monthsS3 $50,000 - $99,999 $1,000.00 0.50% APY 0.50% DR
6 - 11 monthsS3 $100,000 - $199,000 $1,000.00 0.60% APY 0.60% DR
6 - 11 monthsS3 $200,000 and over $1,000.00 0.70% APY 0.70% DR
12 - 23 monthsS3 $1,000 - $49,999 $1,000.00 0.45% APY 0.45% DR
12 - 23 monthsS3 $50,000 - $99,999 $1,000.00 0.55% APY 0.55% DR
12 - 23 monthsS3 $100,000 - $199,000 $1,000.00 0.65% APY 0.65% DR
12 - 23 monthsS3 $200,000 and over $1,000.00 0.75% APY 0.75% DR
18 month bump rateS3, S4 $2,000 - $49,999 $2,000.00 0.60% APY 0.60% DR
18 month bump rateS3, S4 $50,000 - $99,000 $2,000.00 0.70% APY 0.70% DR
18 month bump rateS3, S4 $100,000 - $199,000 $2,000.00 0.80% APY 0.80% DR
18 month bump rateS3, S4 $200,000 and over $2,000.00 0.90% APY 0.90% DR
24 - 35 monthsS3 $1,000 - $49,999 $1,000.00 0.85% APY 0.85% DR
24 - 35 monthsS3 $50,000 - $99,999 $1,000.00 0.95% APY 0.95% DR
24 - 35 monthsS3 $100,000 - $199,000 $1,000.00 1.06% APY 1.05% DR
24 - 35 monthsS3 $200,000 and over $1,000.00 1.16% APY 1.15% DR
36 monthsS3 $1,000 - $49,000 $1,000.00 1.26% APY 1.25% DR
36 monthsS3 $50,000 - $99,000 $1,000.00 1.36% APY 1.35% DR
36 monthsS3 $100,000 - $199,000 $1,000.00 1.46% APY 1.45% DR
36 monthsS3 $200,000 and over $1,000.00 1.56% APY 1.55% DR
48 month variable rateS3, S5 $1,000 - $49,999 $1,000.00 0.45% APY 0.45% DR
48 month variable rateS3, S5 $50,000 - $99,999 $1,000.00 0.55% APY 0.55% DR
48 month variable rateS3, S5 $100,000 - $199,000 $1,000.00 0.65% APY 0.65% DR
48 month variable rateS3, S5 $200,000 and over $1,000.00 0.75% APY 0.75% DR

*Annual Percentage Yield (APY) if dividends are not withdrawn during the term.  Share accounts are federally insured to at least $250,000 by the National Credit union Administration (NCUA), an agency of the US Government.  Yields determined at the time of investment. 

**Dividend Rate and APY 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.

 

IRA Term Share Certificates

Call 800.947.5328 to open an IRA.

IRA Term Share Certificates
Effective Date: Saturday, May 23, 2015
TermBalanceMinimum Balance to OpenAPY*IRA Dividend Rate**
6 - 11 monthsS3 $1,000 - $49,999 $1,000.00 0.50% APY 0.50% DR
6 - 11 monthsS3 $50,000 - $99,999 $1,000.00 0.60% APY 0.60% DR
6 - 11 monthsS3 $100,000 - $199,999 $1,000.00 0.70% APY 0.70% DR
6 - 11 monthsS3 $200,000 and over $1,000.00 0.80% APY 0.80% DR
12 - 23 monthsS3 $1,000 - $49,999 $1,000.00 0.55% APY 0.55% DR
12 - 23 monthsS3 $50,000 - $99,999 $1,000.00 0.65% APY 0.65% DR
12 - 23 monthsS3 $100,000 - $199,999 $1,000.00 0.75% APY 0.75% DR
12 - 23 monthsS3 $200,000 and over $1,000.00 0.85% APY 0.85% DR
18 month bump rateS3,S4 $2,000 - $49,999 $2,000.00 0.70% APY 0.70% DR
18 month bump rateS3,S4 $50,000 - $99,999 $2,000.00 0.80% APY 0.80% DR
18 month bump rateS3,S4 $100,000 - $199,999 $2,000.00 0.90% APY 0.90% DR
18 month bump rateS3,S4 $200,000 and over $2,000.00 1.01% APY 1.00% DR
24 - 35 monthsS3 $1,000 - $49,999 $1,000.00 0.95% APY 0.95% DR
24 - 35 monthsS3 $50,000 - $99,999 $1,000.00 1.06% APY 1.05% DR
24 - 35 monthsS3 $100,000 - $199,999 $1,000.00 1.16% APY 1.15% DR
24 - 35 monthsS3 $200,000 and over $1,000.00 1.26% APY 1.25% DR
36 monthsS3 $1,000 - $49,999 $1,000.00 1.36% APY 1.35% DR
36 monthsS3 $50,000 - $99,999 $1,000.00 1.46% APY 1.45% DR
36 monthsS3 $100,000 - $199,999 $1,000.00 1.56% APY 1.55% DR
36 monthsS3 $200,000 and over $1,000.00 1.66% APY 1.65% DR
48 month variable rateS3,S5 $1,000 - $49,999 $1,000.00 0.45% APY 0.45% DR
48 month variable rateS3,S5 $50,000 - $99,999 $1,000.00 0.55% APY 0.55% DR
48 month variable rateS3,S5 $100,000 - $199,999 $1,000.00 0.65% APY 0.65% DR
48 month variable rateS3,S5 $200,000 and over $1,000.00 0.75% APY 0.75% DR

*Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

**Dividend rate and APY 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.

 

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New Vehicles

New Vehicles
Effective Date: Saturday, May 23, 2015
TermAPR C1
To 36 months As low as 2.25% APR
37-48 months As low as 2.25% APR
49-60 months As low as 2.25% APR
61-84 months As low as 2.25% APR
100% financing available. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates

C1 Non-variable rate loans, 100% financing available including tax, title, license and extended warranties. 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 change without notice.

 

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Used Vehicles

Used Vehicles
Effective Date: Saturday, May 23, 2015
TermAPR C1
To 36 months As low as 2.25% APR
37-48 months As low as 2.25% APR
49-60 months As low as 2.25% APR
61-72 months As low as 2.25% APR
100% financing available. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates

C1 Non-variable rate loans, 100% financing available including tax, title, license and extended warranties. 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 change without notice.

 

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Other Vehicles

Other Vehicles
Effective Date: Saturday, May 23, 2015
TypeNotesTermAPR C2
New Recreational Vehicles 80% financing available Up to 240 months As low as 6.45% APR
Used Recreational Vehicles 10 years old or newer. 80% financing available Up to 180 months As low as 7.45% APR
New Motorcycles, ATVs, Boats, Boat Motors, Trailers 80% financing available Up to 120 months As low as 6.45% APR
Used Motorcycles, ATVs, Boats, Boat Motors, Trailers 10 years old or newer. 80% financing available Up to 120 months As low as 7.45% APR

C2 Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. 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.

 

Owner Occupied 1st Mortgage Loans

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Owner Occupied 1st
Effective Date: Saturday, May 23, 2015
NameTypeTermNotesRate 1st 5 YearsAPRCurrent Calculation of Rate Remaining Term*
SmartValue™ 5/5M1 1st 30 Years Rate and payment locked in for 5 year periods. 3.25% 3.92% 4.000%
Jumbo SmartValue™ 5/5M1 1st 30 Years

For loans over $417,000. Rate and payment locked in for 5 year periods.

3.25% 3.91% 4.000%

$20 initial credit report fee for all home loans. Index is 10-year U.S. Treasury Security. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. 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. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo: $500,000.

M1 Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2% every five years with a lifetime cap of 5%. 4.0% floor rate applies at first adjustment.

*Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully indexed rate) as of the date above, subject to the floor rate of 4.00%.

Home Loan Promotion 2015 Details. Valid for adjustable rate first home loans for owner occupied properties in New Mexico and California, except that all terms may not apply to modifications and refinancings of existing SLFCU first adjustable rate home loans for owner occupied properties. Construction loans and mobile home loans are excluded from this offer. Maximum loan-to-value is 80%. Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate. Rates subject to change; check with SLFCU for current rates. If loan does not close, fees incurred will be charged to the member. All loans subject to credit approval. Contact SLFCU for details.

 

Owner Occupied 2nd Mortgage Loans/CreditLines

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Owner Occupied 2nd/CreditLine
Effective Date: Saturday, May 23, 2015
NameTypeTermNotesRateAPRRate Remaining Term
SmartValue™ 5/5 2ndM1 2nd w/ SLFCU 1st 20 Years   4.50% 4.56% 4.500%
SmartValue™ 5/5 2ndM1 2nd w/o SLFCU 1st 20 Years   4.50% 4.56% 4.500%
Home Equity CreditLineM2 1st 20 Years No annual fee. Ten-year draw period and a 20-year repayment period. 4.50% 4.50% N/A
Home Equity CreditLineM2 2nd w/ SLFCU 1st 20 Years No annual fee. Ten-year draw period and a 20-year repayment period. 4.50% 4.50% N/A
Home Equity CreditLineM2 2nd w/o SLFCU 1st 20 Years No annual fee. Ten-year draw period and a 20-year repayment period. 4.69% 4.69% N/A

$20 initial credit report fee for all mortgages. Index is 10-year U.S. Treasury Security. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. 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. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo: $500,000.

M1 Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2% every five years with a lifetime cap of 5%. 4.5% floor rate applies at first adjustment.

M2 Variable rate loans with quarterly adjustments not to exceed 1/2% and will not vary more than 7% above origination rate. 4.5% floor rate. Payments adjust with every draw and once a year if necessary.

 

Non-Owner Occupied Mortgage Loans

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Non-Owner Occupied
Effective Date: Saturday, May 23, 2015
NameTypeTermNotesRateAPR
SmartARM™ MortgageM3 1st 15 years/30 year amortization Payments based on 30-year amortization; repayment term of 15 years, with a balloon payment at end. 5.00% 5.10%
SmartARM™ MortgageM3 2nd w/ SLFCU 1st 15 years/30 year amortization Payments based on 30-year amortization; repayment term of 15 years, with a balloon payment at end. 5.19% 5.29%
Home Equity CreditLineM4 1st 15 years Five year draw period and a 15-year repayment period. Jumbo loans are available; ask us for details. 5.50% 5.50%
Home Equity CreditLineM4 2nd w/ SLFCU 1st 15 years Five year draw period and a 15-year repayment period. Jumbo loans are available; ask us for details. 5.50% 5.50%
Vacant LandM5 1st 12 years   5.19% 5.56%

$20 initial credit report fee for all mortgages. Index is 10-year U.S. Treasury Security. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. 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. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo: $500,000, Vacant Land: $100,000.

M3 Variable rate loan adjusts up to 1% semi-annually and will not vary more than  6% from the rate at issue. 4.5% floor rate after origination. Loan payments adjusted every year if necessary. Payments based on 30-year amortization with a 15-year balloon term.

M4 Variable rate loan adjusts quarterly with adjustment not to exceed 1/2% and will not vary more than 7%. 5.5% floor rate. Payments adjust with every draw and once a year if necessary.

M5 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 5% floor rate. Loan payments adjusted every 2 years if necessary.

 

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Student Loans & Student Loan Consolidation

Education
Effective Date: Saturday, May 23, 2015
TypeNotesTermAPR C3
Private Student Loan Borrow up to $30,000 annually Up to 180 months As low as 4.26% APR
Private Student Loan Consolidation Consolidate up to $100,000 Undergrad OR $150,000 Graduate Up to 180 months As low as 4.88% APR

C3 Variable rate loan. 4.0% floor rate. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

 

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Credit Cards

Credit Cards
Effective Date: Saturday, May 23, 2015
TypeNotesAnnual FeeAPR C4
VISA Gold Rebate Earn .75% rebate on purchases None 11.00% APR
VISA Classic/MasterCard Rebate Earn .50% rebate on purchases None 11.50% APR
VISA Student Card Earn .50% rebate on purchases None 11.50% APR
VISA Gold Value™ Lower rates equal more value None 9.25% APR
VISA Classic Value™ Lower rates equal more value None 9.75% APR
MasterCard Value™ Lower rates equal more value None 9.75% APR

C4 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. 1% international transaction fee.  APR may be adjusted with notice.

 

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Personal Loans/Lines of Credit

Personal Loans/Lines of Credit
Effective Date: Saturday, May 23, 2015
TypeNotesTermAPR C2
Signature Loan   To 48 months As low as 9.74%
Signature Loan   49-60 months As low as 10.24%
Signature CreditLine Borrow up to your approved credit limit 60 months As low as 10.49%

C2 Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. 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.

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Secured Loans

Secured Loans
Effective Date: Saturday, May 23, 2015
TypeTermAPR C5
Secured by Savings 60 months Rate + 1% APR
Share Certificate Loans 60 months Rate + 1% APR
Share Certificate CredtiLine 60 months Rate + 1% APR

C5 Variable rate loan. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

 

PDF Rate Sheet

 

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