Rates | SESLOC Federal Credit Union

Rates

Rates in effect on July 1, 2009. Rates may change without notice.
Savings & Checking Rates	RATE	APY
Share Savings, Christmas Club & Summer Pay Accounts
Savings $0 - $24,999 balance	0.50%	0.50%
Savings $25,000 and over	1.00%	1.01%
Share Draft Checking*
Checking $100 - $4,999 balance	0.15%	0.25%
Checking $5,000 - $24,999 balance	0.25%	0.50%
Checking $25,000 and over	0.50%	1.01%
School Employees Level Pay Account**	1.98%	2.00%
$100 minimum daily balance required to earn disclosed APY for Share Draft Checking. *Open June 1 to October 31. Early withdrawal penalties apply.

Share Certificate Rates	RATE	APY
Share Certificate - Minimum $1,000 deposit
Certificate 6 months	1.00%	1.00%
Certificate 12 month	1.39%	1.40%
Certificate 15 month	1.49%	1.50%
Certificate 18 month	1.49%	1.50%
Certificate 2 year	1.49%	1.50%
Certificate 3 year	1.98%	2.00%
Certificate 4 year	2.23%	2.25%
Certificate 5 year	2.72%	2.75%
Building Block Certificate - Minimum $250 deposit. Add deposits of $25+
Building Block 1 year certificate	1.24%	1.25%
Annual Percentage Rates (APR) and *Annual Percentage Yields (APY) are accurate as of the date indicated. Dividends are compounded monthly. The APY is based on the assumption that dividends remain on deposit within the account during the dividend period. Early withdrawals will reduce earnings. Early withdrawal penalties apply.
Retirement Rates	RATE	APY
Share Savings IRA, Deferred Compensation, SEP Plan
Traditional, Roth, SEP IRAs	1.50%	1.51%
Deferred Compensation	1.50%	1.51%
Certificate IRA, Deferred Compensation, SEP Plan $500 minimum
IRA Certificate 1 year	1.98%	2.00%
IRA Certificate 2 year	2.23%	2.25%
IRA Certificate 3 year	2.47%	2.50%
IRA Certificate 4 year	2.96%	3.00%
IRA Certificate 5 year	3.44%	3.50%
Annual Percentage Rates (APR) and Annual Percentage Yields are accurate as of the date indicated. Dividends are compounded monthly. The APY is based on the assumption that dividends remain on deposit within the account during the dividend period. Early withdrawals will reduce earnings. Early withdrawal penalties apply.
Consumer Loan Rates	APR
Overdraft Protection	10.00%-16.00%
Signature loan, closed end	10.00%-16.00%
Signature loan, line of credit	10.00%-16.00%
Computer loan	8.50%
Youth Agricultural Project (animal purchase)	5.00%
Share Savings Secured	savings rate+3%
Share Secured Line of Credit	saving rate+3%
Share Certificate Secured	certificate rate+3%
Loan rates are accurate as of the date indicated and may change without notice. When a range of rates is indicated, rates and terms are based on borrower's earned rate lending score. All loans are subject to credit approval.
Vehicle Rates	APR
Automobiles Includes , Trucks, SUVs, Motorcycles, Horse and Flatbed Trailers *Automobile APR indicates a .50% reduction when you finance 80% or less of the purchase price for new vehicles or 80% or less of high Blue Book value for used vehicles. Applies to new loans or refinances from another lender.
New/ Nearly New 60 month term (12,000 miles or less)	*4.25%-13.50%
New/ Nearly New 72 month term	*5.00%-10.50%
New/ Nearly New 84 month term	*6.00%-11.00%
Used Vehicle 60 month term	*4.50%-13.50%
Used Vehicle 72 month term	*5.50%-10.50%
Used Vehicle 84 month term	*6.50%-11.00%
Recreational Vehicles Includes Boats, Motor Homes, Personal Watercraft Extended terms available up to 144 months.
New RV 60 month term	6.75% - 16.00%
New RV 84 month term	7.75% - 16.00%
New RV 120 month term	8.75% - 16.50%
Used RV 60 month term	7.75% - 16.50%
Used RV 84 month term	8.75% - 16.50%
Used RV 120 month term	9.25% - 17.00%
Specialized Mobility Vehicles Vehicles adapted for specialized equipment: wheel chairs, scooter lifts, lowered floor conversions, power doors, remote control doors to accommodate individual physical needs.
New SMV 60 month term	5.95% - 13.75%
New SMV 84 month term	7.10% - 15.75%
New SMV 120 month term	8.75% - 16.00%
Used SMV 60 month term	5.95% - 14.50%
Used SMV 84 month term	7.60% - 15.25%
Used SMV 120 month term*	8.75% - 16.00%
*Maximum term 84 months for vehicles 6 or more years old.

Loan rates are accurate as of the date indicated and may change without notice. Rates and terms are based on borrower's earned rate lending score. All loans are subject to credit approval. Up to 100% financing available for new vehicles or high Blue Book value of used vehicles. Rates are based on the term selected, the earned rate lending score and the vehicle age. All loans are subject to credit approval.

Real Estate Loans Rates accurate as of the date indicated. Rates may change without notice.
First Trust Deed - Primary Residences
Adjustable Rate First Trust Deed (Index: 11th District Cost of Funds) Conforming Loans - Limit is $417,000 for one unit or single family dwelling.
Term	Pts	LTV	PMI	RATE	APR*
30 or 40 years - 1 year rate hold	0	80%	No	3.500%	3.750%
30 or 40 years - 1 year rate hold	1/2	80%	No	3.250%	3.751%
30 or 40 years - 3 year rate hold	0	80%	No	4.000%	3.750%
30 or 40 years - 3 year rate hold	1/2	80%	No	3.750%	3.783%
30 or 40 years - 5 year rate hold	0	80%	No	4.750%	4.048%
30 or 40 years - 5 year rate hold	1/2	80%	No	4.500%	4.007%
*Annual Percentage Rate (APR) is calculated using a loan amount of $417,000 and a term of 40 years. Actual APR may vary and will be disclosed at the time of application.
Adjustable Rate First Trust Deed (Index: 11th District Cost of Funds) Jumbo Loans - Loans over $417,000 for one unit or single family dwelling.
Term	Pts	LTV	PMI	RATE	APR**
30 or 40 years - 1 year rate hold	0	80%	No	4.250%	3.782%
30 or 40 years - 1 year rate hold	1/2	80%	No	4.000%	3.799%
30 or 40 years - 3 year rate hold	0	80%	No	4.750%	3.937%
30 or 40 years - 3 year rate hold	1/2	80%	No	4.500%	3.923%
30 or 40 years - 5 year rate hold	0	80%	No	5.500%	4.321%
30 or 40 years - 5 year rate hold	1/2	80%	No	5.250%	4.265%
**Annual Percentage Rate (APR) is calculated using a loan amount of $450,000 and a term of 40 years. Actual APR may vary and will be disclosed at the time of application.
Fixed Rate First Trust Deed *Please call for availability and rates
Term	Pts	LTV	PMI	RATE	APR
30 or 40 years	0	80%	No	*
30 or 40 years	1	80%	No	*
15 years	0	80%	No	*
15 years	1	80%	No	*
Mobile Home Loans Please call for availability and rates
In Share Park
Term		LTV	PMI	RATE	APR
In Rental Park (please call for availability of rental park loans)
Rate and LTV are determined by credit score. Term is determined by age of home.
Home Equity Loans - Second Trust Deed
Term				RATE	APR
Home Equity Line of Credit (HELOC) (Index: Prime Rate)
Open-end Line of Credit No minimum advance required				4.000% to 4.500%	4.000% to 4.500
Adjustable Rate - closed end loan (Index: 11th District Cost of Funds)
15 years				7.000%	5.978%
Adjustable Rate - closed end loan (Index: 11th District Cost of Funds)
5-year rate hold 20 year term, amortized 30 years Rate based on LTV and credit score.				6.000% to 8.250%	6.634% to 8.250%
Lot & Construction Loans
Adjustable Rate Lot Loan				6.500%	6.585%
Fixed Rate Construction Loan				7.000%	7.115%
Member Business Real Estate Loans *Please call for availability
First Trust Deed - Non-Owner Occupied , Single Family Residence
Adjustable Rate (Index: 11th District Cost of Funds)
Term		Pts	LTV	RATE	APR

Loan rates are accurate as of the date indicated and may change without notice.
When a range of rates is indicated, rates and terms are based on borrower's earned rate lending score. All loans are subject to credit approval.