Saco Valley Credit Union
Saco Valley Credit Union
Become a Member
Enjoy the many benefits of Credit Union membership.
Open an Account
spacer

Rates

  Share and CD Account Rates

Click here to learn more about our current loan rates

Rates are subject to change.

Account Type Balance or Term Dividend Rate APY*
Share Accounts
Minimum balance of $25.00 required
$25.00 - $9,999.99 0.15% 0.15%
$10,000.00 and above 0.20% 0.20%
Whiz Kid Share Accounts
Minimum balance of $25.00 required
$25.00 - $9,999.99 0.15% 0.15%
$10,000.00 and above 0.20% 0.20%
Share Draft Accounts NA 0% 0%
IRA Club NA 0.25% 0.25%
Christmas Club $25.00 - $9,999.99 0.15% 0.15%
$10,000.00 and above 0.20% 0.20%
Vacation Club $25.00 - $9,999.99 0.15% 0.15%
$10,000.00 and above 0.20% 0.20%
High-Yield Savings
Minimum balance of $1,500.00 required
$1,500.00 - $9,999.99 0.15% 0.15%
$10,000.00 - $24,999.99 0.20% 0.20%
$25,000.00 - $49,999.99 0.30% 0.30%
$50,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 and above 0.40%

0.40%

IRA and Share Certificates
Minimum balance of $500.00 required
6 months    
$500.00 - $49,999.99 0.50% 0.50%
$50,000.00 and above 0.60% 0.60%
12 months    
$500.00 - $49,999.99 0.70% 0.70%
$50,000.00 and above 0.75% 0.75%
18 months    
$500.00 - $49,999.99 0.80% 0.80%
$50,000.00 and above 0.90% 0.90%
24 months    
$500.00 - $49,999.99 1.00% 1.01%
$50,000.00 and above 1.10% 1.11%
36 months    
$500.00 - $49,999.99 1.34% 1.35%
$50,000.00 and above 1.39% 1.40%
48 months    
$500.00 - $49,999.99 1.50% 1.51%
$50,000.00 and above 1.60% 1.61%
60 months    
  $500.00 - $49,999.99 2.20% 2.22%
  $50,000.00 and above 2.20% 2.22%

*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for a 365 day period. For share certificates and IRA certificates, the dividend rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption the dividends will remain on deposit until maturity. A withdrawal will reduce earnings.

Early Withdrawal Penalty:We may impose a substantial penalty if you withdraw any of the principal before the maturity date, or the renewal date.

Annual Percentage Yield is accurate as of 5/15/2017. These rates may change at any time without prior notice.


Loan Rates

Published Loan Rates Can Be Deceiving

You will notice our loan rates are not listed on our website nor do we quote rates over the telephone. This is not an oversight on our part, but rather, an opportunity to find the best available rate for your situation. Many lenders quote rates in order to get your attention, often times failing to explain your final rate is dependent upon many factors. This can result in very unpleasant surprises and disappointments as your closing time draws near. Items such as credit scores, loan amount, loan term and the value of collateral securing your loan are just some of the many variables which might affect the interest rate of your loan.

Before we quote a rate, we become familiar with your particular needs and circumstances to ensure you will have a loan with a payment which fits your lifestyle, desires and budget.

 

 
National Credit Union Administration© Copyright 2017, Saco Valley Credit Union.   All Rights Reserved.   Toll-Free: 1-888-282-6169
Home   Privacy Policy   Site Map