Salt City Federal Credit Union | Solvay & Syracuse NY

Health Savings Account Dividend Rates

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

1 Annual Percentage Yield

Rates effective 1/1/24

Dividend rates are prospective for the period ending 12/31/24. Compounded and credited quarterly. Fees could reduce earnings. Rates are current as of the date posted and are subject to change without notice.

IRA & ESA Certificate Rates

Months	Dividend Rate	APY 1
12	3.99%	4.05%
24	3.70%	3.75%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

1 Annual Percentage Yield

Rates effective as of 3/26/26. Traditional & Roth IRA minimum balance $1,000. Coverdell ESA minimum balance $500. Penalty may apply for early withdrawal. Rates are current as of the date posted and are subject to change without notice.

Money Market Dividend Rates

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

1 Annual Percentage Yield

Rates effective 1/1/24

Dividend rates are prospective for the period ending 12/31/24. Compounded and credited monthly. Fees could reduce earnings. Rates are current as of the date posted and are subject to change without notice.

Share Certificate Rates

Months	Dividend Rate	APY 1
3	4.03%	4.10%
6	4.13%	4.20%
12	3.99%	4.05%
18	3.89%	3.95%
24	3.70%	3.75%
30	3.55%	3.60%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

1 Annual Percentage Yield

Rates effective as of 3/26/26. Minimum balance $1,000. Penalty may apply for early withdrawal. Rates are current as of the date posted and are subject to change without notice.

Savings Account Dividend Rates

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

1 Annual Percentage Yield

Rates effective 1/1/24

Dividend rates are prospective for the period ending 12/31/24. Compounded and credited quarterly. Fees could reduce earnings. Rates are current as of the date posted and are subject to change without notice.

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Overdraft Line of Credit Loan Rate

Annual Percentage Rate
18%

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Lifestyle Line of Credit Loan Rates

Credit Limit	Annual Percentage Rate (as low as)
Up to $20,000	7.99%

As of 12/19/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Personal Loan Rates

Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
36	8.99%	$31.80
60	9.49%	$21.00

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

VISA Credit Card & Balance Transfer Loan Rates

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%

Balance transfer	Annual Percentage Rate (as low as)
With Rewards	5.90%
No Rewards	4.90%

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

Home Improvement Loan Rates¹

Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
36	6.99%	$30.87
60	7.49%	$20.03
72	8.49%	$17.77

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

Home Equity Line of Credit Loan Rates

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	6.75%
$20,001 – $50,000	Member	6.50%
$50,001 +	Member	6.25%
$10,000 – $20,000	CU	7.00%
$20,001 – $50,000	CU	6.75%
$50,001 +	CU	6.50%

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 10-year draw, 15 year repayment. This is a variable-rate loan; the interest rate changes with the prime rate. Your rate could increase after the loan is closed. Periodic rates are computed using 12 billing cycles per year. The maximum rate that may be imposed is 18%, and the rates listed do not include fees. Estimated fees could range between $340-$2250. Rate example: a $50,000 loan with a 7.00% APR for a 25 year term would have a monthly payment of $337.60.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

Fixed Rate Home Equity Loan Rates

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.85
	180	6.00%	$8.44
CU Pays Closing Costs	60	5.25%	$18.99
	120	5.75%	$10.98
	180	6.25%	$8.57

As of 6/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

RV, Boat, Powersport Rates

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	60	5.99%	$19.33
	84	6.49%	$14.84
	144	6.99%	$10.28
	180	7.49%	$9.26
Used 2016 – 2024	60	6.49%	$19.56
	84	6.99%	$15.09
	144	7.49%	$10.55
	180	7.99%	$9.55

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

FUSE Loans Rates

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	36	6.49%	$30.64
	60	6.74%	$19.68¹
	72	6.99%	$17.04
Used 2024 and older	36	6.99%	$30.87
	60	7.24%	$19.91²
	72	7.49%	$17.29

As of 11/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.74% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.24% APR would have 60 monthly payments of $631.84 each month and would include a balloon payment due at loan maturity of $12,500.

Traditional Vehicle Loan Rates

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	48	4.99%	$23.02
	60	5.14%	$18.94
	72	5.34%	$16.26
	84	5.84%	$14.53
Used 2021 – 2024 ¹	48	5.24%	$23.14
	60	5.39%	$19.05
	72	5.59%	$16.38
	84	6.09%	$14.65

As of 3/16/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

Current Rates

this is the rates information, sorta

Certificates

Home Equity Solutions

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Auto, Motorcycle, RV, Boat & Powersport Financing & Refinancing

Student Loan Refinancing

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College Scholarship

Apply by April 30th

Car, Truck & Motorcycle

4.99% APR

RV, Boat, & Powersport

5.99% APR

Home Equity Solutions

5.00% APR

VISA® Credit Card

7.90% APR

Share Certificates

4.2% APY

Personal Loans

8.99% APR

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