Rates & Fees
Savings
| Savings Accounts Rates as of 2-1-17 | ||
|---|---|---|
| Type | Dividend Rate | APY1 |
| Savings | 0.05% | 0.05% |
| Holiday Club | 0.05% | 0.05% |
| Youth Savings | 0.05% | 0.05% |
1 Annual Percentage Yield. Fees may reduce earnings.
| Money Market Accounts Rates as of 2-1-17 | ||
|---|---|---|
| Balance | Dividend Rate | APY1 |
| $200 – $2,499.99 | 0.05% | 0.05% |
| $2,500 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 0.35% | 0.35% |
| $50,000 – $99,999.99 | 0.35% | 0.35% |
| $100,000 and above | 0.35% | 0.35% |
1 Annual Percentage Yield. Fees may reduce earnings.
| Kasasa Saver Account When coupled with Kasasa Checking Account. Rates as of 2-1-17 | ||
|---|---|---|
| Type | Dividend Rate | APY1 |
| Up to $25,000* | 0.05% | 0.75% |
| Portion over $25,000** | 0.05% | 0.25% |
| If qualifications not met*** | 0.05% | 0.05% |
1 Annual Percentage Yield. Fees may reduce earnings.
* Balances up to $25,000 in your Kasasa Saver account receive an APY of .75%
** Balances over $25,000 earn .25% interest rate on the portion of balance over $25,000, resulting in a range from .35% to .75% APY depending on the account's balance
*** All balances in a Kasasa Saver account earn .05% APY
| Share Certificates Rates as of 3-9-17 | ||
|---|---|---|
| Term | Dividend Rate | APY1 |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 14 months | 0.50% | 0.50% |
| 18 months | 0.75% | 0.75% |
| 24 months | 0.85% | 0.85% |
| 30 months | 0.95% | 0.95% |
| 36 months | 1.05% | 1.06% |
| 48 months | 1.25% | 1.26% |
| 60 months | 1.70% | 1.71% |
| Youth Certificate* - 12 months | 9.56% | 9.99% |
1 Annual Percentage Yield. Minimum balance requirement is $1,000. Available rates subject to change without notice. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply to certificates.
* Only one Youth Certificate per member. Existing Youth certificate will be renewed into a regular certificate rate at the rate in effect at that time for 12 months, not the high yield Youth Certificate. Once the certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply.
| Rate Schedule | |||||
|---|---|---|---|---|---|
| Account | Dividends Compounded | Dividends Credited | Dividends Period | Minimum Deposit | Minimum to Earn Dividends |
| Savings | Monthly | Monthly | Calendar Month | $25 | $200 |
| Holiday Club | Monthly | Monthly | Calendar Month | $25 | $200 |
| Youth Savings | Monthly | Monthly | Calendar Month | $25 | $200 |
| Money Market | Monthly | Monthly | Calendar Month | $25 | Tiered |
| Kasasa Saver | Monthly | Monthly | Calendar Month | $0 | $0 |
| Share Certificates | Monthly | Monthly | Calendar Month | $1,000 | Tiered |
Checking
| Kasasa Cash® Checking Rates as of 2-1-17 | ||
|---|---|---|
| Balance | Dividend Rate | APY1 |
| Up to $15,000 | 2.00% | 2.00% |
| Over $15,000 | 0.25% | 0.25% |
| Basic Rate (when qualifications are not met)* | 0.05% | 0.05% |
1 Annual Percentage Yield. Fees may reduce earnings.
* Tiered Rates - without required minimum qualifications met during the qualification cycle. See Truth in Savings Disclosure for explanation.
| Other Checking Accounts | ||
|---|---|---|
| Type | Dividend Rate | APY1 |
| Kasasa Cash Back | 0% | 0% |
| Fresh Start Checking | 0% | 0% |
1 Annual Percentage Yield. Fees may reduce earnings.
Credit & Personal
| Personal & Vacation Loan Rates Rates as of 2-1-17 | ||
|---|---|---|
| Term | Maximum Amount | Best APR* |
| Up to 60 months | $25,000 | 9.99% |
* Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| Visa Credit Card Rates Rates as of 4-1-17 | |
|---|---|
| Description | Rate |
| APR for Purchases1 | 9.9% – 18.9% depending on credit worthiness |
| Annual Fee | $0 |
| Cash Advance APR1 | 9.9% – 18.9% depending on credit worthiness |
| Balance Transfer APR1 | 9.9% – 18.9% depending on credit worthiness |
| Penalty Rate | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Method of Computing Balance | Average daily balance (including new purchases) |
| Minimum Finance Charge | $0 |
1 Final rate will be determined by your creditworthiness. VISA rates can change upon legally required notice to the cardholder.
| Visa Credit Card Transaction Fees | |
|---|---|
| Type | Fee |
| Foreign Transactions | 1% of transaction amount if initiated in a foreign country or currency |
| Overdraft Protection Advance | $5 plus 1% of transaction amount if initiated in a foreign country or currency. |
| Cash Advance Fee | $0 |
| Balance Transfer Fee | $0 |
| Late Payment | $10 |
| Returned Payment | $25 |
IRAs
| IRA Rates Rates as of 3-9-17 | ||
|---|---|---|
| Term | Dividend Rate | APY1 |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 14 months | 0.50% | 0.50% |
| 18 months | 0.75% | 0.75% |
| 24 months | 0.85% | 0.85% |
| 30 months | 0.95% | 0.95% |
| 36 months | 1.05% | 1.06% |
| 48 months | 1.25% | 1.26% |
| 60 months | 1.70% | 1.71% |
1 Annual Percentage Yield. All IRA Certificates require a minimum balance of $1,000 or more. Rates are subject to change without notice. Early withdrawal penalties apply to certificates.
| IRA Money Market Rates Rates as of 3-1-17 | ||
|---|---|---|
| Balance | Dividend Rate | APY1 |
| $200 – $2,499 | 0.05% | 0.05% |
| $2,500 – $24,999 | 0.25% | 0.25% |
| $25,000 – $49,999 | 0.35% | 0.35% |
| $50,000 – $99,999 | 0.35% | 0.35% |
| $100,000 and above | 0.35% | 0.35% |
1 Annual Percentage Yield. All IRA Certificates require a minimum balance of $1,000 or more. Rates are subject to change without notice. Early withdrawal penalties apply to certificates.
| Rate Schedule | |||||
|---|---|---|---|---|---|
| Account | Dividends Compounded | Dividends Credited | Dividends Period | Minimum Deposit | Minimum to Earn Dividends |
| IRA | Monthly | Monthly | Calendar Month | $0 | $1,000 |
| IRA Money Market | Monthly | Monthly | Calendar Month | $0 | $1,000 |
Auto
| New or Used Autos & Trucks 2010 and newer. Rates as of 4-17-17 | |
|---|---|
| Term | APR1 |
| 24 months | 1.49% |
| 36 months | 2.99% |
| 48 months | 2.99% |
| 60 months | 2.99% |
| 66 months | 2.99% |
| 72 months | 3.49% |
| 84 months | 3.99% |
| 96 months* | 4.99% |
1 Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: Pay $19.10 month per $1,000 borrowed for 60 months at 5.49%. See our payment calculator for more payment samples.
* Minimum loan amount for a 96 month term is $30,000. Tier 1 credit qualification only and a 730 Fico score.
| Older Used Autos & Trucks 2009 and older. Rates as of 4-1-17 | |
|---|---|
| Term | APR1 |
| 36 months | 5.99% |
| 48 months | 6.99% |
| 60 months | 7.99% |
1 Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| RV Loan Rates Rates as of 4-1-17 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 60 months | 100,000 miles | $150,000 | 4.99% | 5.99% |
| 72 months | 100,000 miles | $150,000 | 5.99% | 6.99% |
| 84 months | 100,000 miles | $150,000 | 6.99% | 7.99% |
| 120 months | 100,000 miles | $150,000 | 7.99% | 8.99% |
1 Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| Motorcycle Loan Rates Rates as of 4-1-17 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | 100,000 miles | $50,000 | 3.99% | 4.99% |
| 60 months | 100,000 miles | $50,000 | 4.99% | 5.99% |
| 72 months | 100,000 miles | $50,000 | 5.99% | 6.99% |
| 84 months | 100,000 miles | $50,000 | 6.99% | 7.99% |
1 Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| Boat Loan Rates Rates as of 4-1-17 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | 100,000 miles | $75,000 | 7.99% | 7.99% |
| 60 months | 100,000 miles | $75,000 | 7.99% | 7.99% |
| 72 months | 100,000 miles | $75,000 | 8.24% | 8.24% |
| 84 months | 100,000 miles | $75,000 | 8.49% | 8.49% |
1 Quoted APRs are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
Home
| First Mortgage Loan Rates Rates as of 5-15-17 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 30-year Fixed Conforming | $625,500* | 3.50% | 3.533% |
| 20-year Fixed Conforming | $625,500* | 3.625% | 3.669% |
| 20-year Fixed Jumbo | $2,000,000 | 3.625% | 3.669% |
| 15-year Fixed Conforming | $625,500* | 3.250% | 3.300% |
| 15-year Fixed Jumbo | $2,000,000 | 3.250% | 3.300% |
| 10-year Fixed Conforming | $625,500* | 3.1250% | 3.203% |
1 Our First mortgage product has rates and payments that are fixed for the life of the loan. Payment samples: For a 30-year loan at 4.25%, pay $4.91 per month per $1,000.00; for a 20-year loan at 3.625%, pay $5.86 per month per $1,000.00; for a 15-year loan at 3.375%, pay $7.09 per month per $1,000.00 borrowed. See our payment calculator for more payment samples. SafeAmerica does not charge points.
* Conforming loan maximum limits vary by county. Your county may be lower. $625,500 represents the conforming loan limit for Alameda County.
| Second Mortgage Loan Rates Rates as of 2-1-17 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 15-year Fixed | $250,000 | 5.90% | 6.064% |
| 7.5-year Fixed | $250,000 | 5.125% | 5.250% |
1 All second mortgage products have rates and payments that are fixed for the life of the loan. Payment samples: Pay $8.44 per month per $1,000.00 borrowed at 5.990% for 15 years. See our payment calculator for more payment samples. SafeAmerica does not charge points.
| Home Equity Lines Rates as of 6-15-17 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR2 |
| Home Equity Line | $250,000 | 4.25% | 4.25% |
1 There are no closing costs for an equity line of credit up to $100,000, unless an appraisal is required. For limits over $100,000 up to $250,000, closing costs are $250 plus the cost of the appraisal, if required. Appraisal costs average $450. *The new Conforming Limit will vary depending upon the County in California in which the member’s single family residence is located.
2 Lifetime maximum variable APR is 18%. No annual fee. No fees, unless an appraisal is necessary, to establish limits up to $100,000. $500 fee, plus appraisal if needed, to establish limits over $100,000 up to $250,000. Appraisal fee, if needed, estimated $475. Variable APR may adjust monthly.
All real estate loans: Rates and APRs are accurate as of date posted and subject to change at any time. Interest may be tax deductible, consult a tax advisor. Equal housing lender. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply.
LOANS REQUIRE SAFEAMERICA MEMBERSHIP AND CREDIT APPROVAL.
Fees
| Accounts and Transactions | |
|---|---|
| Description | Fee |
| Regular Checking | $5 per month |
| Dividend Checking | $5 per month on balances below $500 |
| Senior Dividend Checking | $0 To qualify, you must be 54 years of age and have either: (1) Direct Deposit of a payroll check or retirement check, or (2) $2,500 minimum balance in a Certificate account, or 3) a Money Market Account. (IRA accounts do not qualify.) |
| Advantage Plus Checking | $6 per month |
| Inactive Account Fee | $3 per month (if inactive 12 months or more, with cumulative share balances less than $500, excluding accounts with loans, certificate accounts, money market accounts or accountholders under 18.) |
| Participation Fee | $3 per month (Members that meet the following: 23 years or older AND has been a member for over one year AND has only a share savings account(s) with total balances under $200 AND has none of the following: a loan, certificate, money market or checking.) |
| Share Account Low Balance (under $25) | $3 per month |
| Online Bill Pay | Free |
| Transfer Fee | $5 per transfer (Overdraft Protection Transfer From Shares or Credit Line Advance) |
| ATM Replacement Card | $8 |
| SACU ATM Transactions | Free |
| Other ATM Transactions | $0 (first four ATM withdrawals), $1.50 (after 4, per month) |
| POS/Explore, Pulse Pay | Free |
| ATM Overdraft Fee | $30 |
| Debit Card Overdraft Fee | $30 |
| Return Deposit | $30 |
| Courtesy Pay Overdraft Protection | $30 |
| Skip-A-Pay | $35 per loan per month skipped |
| Checks | |
|---|---|
| Description | Fee |
| Returned Check | $30 |
| Returned ACH | $30 |
| Copies of Check | $1 each (copies in excess of 2 per statement period) |
| Copy of Credit Union Check | $5 |
| Payment of Check/ACH Item | $30 (with deposit of funds on next business day) |
| Credit Union Checks | $5 each (payable to recurring monthly creditors) |
| Official Credit Union Check - Stop Payment | $10 |
| Line of Credit Check MMA Return | $30 |
| Bill Pay | |
|---|---|
| Description | Fee |
| Copy of Credit Union Check | $10 |
| Stop Payment | $20 |
| Express Payment | $9.95 |
| Copy of Credit Union Check | $2 |
| Overnight Check Payment | $14.95 |
| Wire Transfers | |
|---|---|
| Description | Fee |
| Wire Transfer Outgoing | $25 |
| International Wire Outgoing | $45 |
| Gift Cheques | $2.50 |
| Stop Payment Order | $20 |
| Verification of Deposit | $10 |
| Loans | |
|---|---|
| Description | Fee |
| SACU Auto Loan Refinance | $125 |
| CarFax Report | $19.99 |
| Consumer Loan Payoff Demand | $10 |
| Paper Lien Satisfied for Auto | $10 |
| Out of State Vehicle Title Transfer | $25 |
| Loan Payment by Phone | $15 |
| Loan Payment Online | $10 |
| Real Estate Payoff Demand | $30 |
| Deed of Trust Re-Conveyance | $45 |
| Deed of Trust Subordination | $150 |
| Documents and Copies | |
|---|---|
| Description | Fee |
| Research Accounts/Document | $25 per hour |
| Photocopy of Document | $1/document |
| Account Transaction History | $3 per copy |
| Duplicate Statement | $3 per copy |
| Copy of VISA Draft | $4 |
| Notary Service – Non Credit Union documents | $10 per non-credit union document |
| Copy of 1098/1099/5498 | $2 |
| Other | |
|---|---|
| Description | Fee |
| Returned Mail | $2 |
| Foreign Item | $20 |
