Rates & Fees
Savings
| Savings Accounts Rates as of 11-1-19 | ||
|---|---|---|
| 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.
| Regular Money Market Account Rates as of 11-1-19 | ||
|---|---|---|
| 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 + | 0.35% | 0.35% |
1 Annual Percentage Yield. Fees may reduce earnings.
| Share Certificates Rates as of 11-1-19 | ||||
|---|---|---|---|---|
| Term | Dividend Rate | APY1 | MoveUP Rewards Dividend Rate | MoveUP Rewards APY2 |
| 3 months | 1.49% | 1.50% | ||
| 6 months | 1.51% | 1.52% | ||
| 8 months | 2.28% | 2.30% | 2.47% | 2.50% |
| 12 months | 1.68% | 1.69% | ||
| 14 months | 1.65% | 1.66% | ||
| 18 months | 1.65% | 1.66% | ||
| 24 months | 1.65% | 1.66% | ||
| 30 months | 2.47% | 2.50% | 2.67% | 2.70% |
| 36 months | 1.60% | 1.61% | ||
| 48 months | 1.65% | 1.66% | ||
| 60 months | 1.65% | 1.66% | ||
| 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. 8 month certificate will automatically rollover for a term of 12 months at the new rate at maturity, unless the member advises us otherwise.
2 Must be in a qualifying MoveUP Rewards tier at the time the certificate is established to receive additional rate bonus. Rate paid based on MoveUp Rewards tier status at time of dividend posting. Rate is variable during the certificate term, however will not fall below Dividend Rate available at the time certificate is established.
* 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 |
| Share Certificates | Monthly | Monthly | Calendar Month | $1,000 | Tiered |
Checking
| Other Checking Accounts | ||
|---|---|---|
| Type | Dividend Rate | APY1 |
| Fresh Start Checking | 0% | 0% |
1 Annual Percentage Yield. Fees may reduce earnings.
Credit & Personal
| Personal Loan Rates Rates as of 11-1-19 | ||
|---|---|---|
| Term | Maximum Amount | Best APR1 |
| Up to 60 months | $25,000 | 10.99% |
1APR (Annual Percentage Rate) is best available and is subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Payment sample: Pay $23.75 per month per $1,000 borrowed for 60 months at 10.99%.
| Personal Line of Credit Rates Rates as of 11-1-19 | ||
|---|---|---|
| Term | Maximum Amount | Best APR1 |
| Variable | $25,000 | 10.50% |
1APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor 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 11-1-19 | |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 9.90% – 18.90% based on your credit worthiness. |
| APR for Balance Transfers | 9.90% – 18.90% based on your credit worthiness. |
| APR for Cash Advances | 9.90% – 18.90% based on your credit worthiness. |
| Penalty APR and When it Applies | None |
| Minimum Interest Charge | 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. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
Final rate will be determined by your creditworthiness. VISA rates can change upon legally required notice to the cardholder.
| Visa Credit Card Transaction Fees | |
|---|---|
| Fees | |
| Set-up and Maintenance Fees Annual Fee Additional Card Fee |
None None |
| Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee |
None None 1% of transaction amount if initiated in a foreign country or currency |
| Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee |
Up to $10.00 Up to $3.00 Up to $25.00 |
| Overdraft Protection Advance | $5 plus 1% of transaction amount if initiated in a foreign country or currency. |
IRAs
| IRA Rates Rates as of 11-1-19 | ||
|---|---|---|
| Term | Dividend Rate | APY1 |
| 3 months | 1.49% | 1.50% |
| 6 months | 1.51% | 1.52% |
| 12 months | 1.68% | 1.69% |
| 14 months | 1.65% | 1.66% |
| 18 months | 1.65% | 1.66% |
| 24 months | 1.65% | 1.66% |
| 30 months | 1.63% | 1.64% |
| 36 months | 1.60% | 1.61% |
| 48 months | 1.65% | 1.66% |
| 60 months | 1.65% | 1.66% |
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 11-1-19 | ||
|---|---|---|
| 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 2012 and newer. Rates as of 11-1-19 | |
|---|---|
| Term | APR1 |
| 24 months | 3.74% |
| 36 months | 4.24% |
| 48 months | 4.24% |
| 60 months | 4.49% |
| 66 months | 4.49% |
| 72 months | 4.74% |
| 84 months | 4.99% |
| 96 months* | 6.99% |
1 Quoted APRs (Annual Percentage Rate) 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 $19.00 per month per $1,000 borrowed for 60 months at 4.49%. 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 2011 and older. Rates as of 11-1-19 | |
|---|---|
| Term | APR1 |
| 36 months | 5.99% |
| 48 months | 6.99% |
| 60 months | 7.99% |
1 Quoted APRs (Annual Percentage Rate) 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 11-1-19 | ||||
|---|---|---|---|---|
| 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 (Annual Percentage Rate) 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 11-1-19 | ||||
|---|---|---|---|---|
| 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 (Annual Percentage Rate) 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 11-1-19 | |||
|---|---|---|---|
| Term | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | $75,000 | 7.99% | 7.99% |
| 60 months | $75,000 | 7.99% | 7.99% |
| 72 months | $75,000 | 8.24% | 8.24% |
| 84 months | $75,000 | 8.49% | 8.49% |
1 Quoted APRs (Annual Percentage Rate) 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 11-1-19 | |||
|---|---|---|---|
| Type | Program | Interest Rate | APR1 |
| 30-year Fixed | Conforming | 5.000% | 5.045% |
| 30-year Fixed | Jumbo | 5.000% | 5.043% |
| 20-year Fixed | Conforming | 4.875% | 4.935% |
| 20-year Fixed | Jumbo | 4.875% | 4.932% |
| 15-year Fixed | Conforming | 4.750% | 4.826% |
| 15-year Fixed | Jumbo | 4.750% | 4.822% |
| 10-year Fixed | Conforming | 4.625% | 4.732% |
| Purchases, Adjustable Rate Mortgages, FHA, VA and USDA Mortgages | |||
| For purchase options and current rates, please call (800) 972-0999, ext 293 or email realestate@safeamerica.com to speak with a mortgage specialist. | |||
APR (Annual Percentage Rate) subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval.
1 1st Mortgage loan rates are subject to change daily. Call for current rates, APRs, additional payment samples, or further information. For a 30 year loan at 5.000%, pay $5.38 per month per $1,000 borrowed, for a 20 year loan at 4.875% pay $6.54 per month per $1,000 borrowed, for a 15 year loan at 4.75% pay $7.79 per month per $1,000 borrowed, and for a 10 year loan at 4.625% pay $10.43 per month per month $1,000 borrowed.
*The new conforming limit will varies depending upon the County in California in which the single family residence is located. $625,500 represents the conforming loan limit for Alameda County. Your county may be lower.
| Home Equity Loan Rates (Second Mortgage) Rates as of 11-1-19 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 15-year Fixed | $250,000 | 5.990% | 6.091% |
| 7.5-year Fixed | $250,000 | 5.125% | 5.299% |
APR (Annual Percentage Rate) subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. 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. Other restrictions may apply.
1Second mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $250,000 on owner occupied primary residence only in California. Processing fee on all fixed rate second mortgage loans is $995. Sample payment for a 15 year fixed rate second mortgage at 5.99% would be $8.44 per month per $1,000 borrowed. If appraisal is required, member will be required to pay full cost of appraisal, in advance.
| Home Equity Line of Credit Rates as of 11-1-19 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| Variable Rate | $250,000 | 4.750% | 4.750% |
APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. 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. Other restrictions may apply.
1There 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 $500 plus the cost of the appraisal, if required. Second mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $250,000 on owner occupied primary residence only in California. No processing fee on loans or limits to $100,000. Processing fee on limits of $100,001 - $250,000 is $500. Maximum lifetime variable HELOC APR is 18%. No annual HELOC fee. If appraisal is required, member will be required to pay full cost of appraisal, in advance.
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 | $25 per loan per month skipped |
| Checks | |
|---|---|
| Description | Fee |
| Returned Check | $30 |
| Returned ACH | $30 |
| Copy of Cleared Check | $1 each (copies in excess of 2 per statement period) |
| Copy of Credit Union Check | $2 |
| 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 Bill Pay Check | $10 |
| Stop Payment | $20 |
| Express Payment | $9.95 |
| 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 |
