Overdraft Protection

Overdraft Line of Credit

Loan automatically linked to personal and business checking accounts.¹

Automatic Savings Transfer

Automatically transfers funds from your savings account to cover overdrafts from personal, business and youth checking accounts. A small fee applies.²

Basic Courtesy Pay

Covers personal and business checking overdrafts up to $500 with a $30 insufficient funds fee. Repayment required within 32 days. Covers electronic payments, paper checks, in-branch withdrawals, online bill pay and recurring debit card charges. Whether your overdrafts will be paid is discretionary and we reserve the right to not pay, for example, if your account is not in good standing.”

Extended Courtesy Pay

Basic Courtesy Pay plus additional coverage of everyday debit card purchases and ATM transactions with a $20 insufficient funds fee.

Protect Your Account Today

¹ Loans subject to approval based on credit worthiness, qualifications and collateral conditions.
² See current fee schedule

Months	Dividend Rate	APY 1
3	3.84%	3.90%
6	4.19%	4.25%
12	3.89%	3.95%
18	3.84%	3.90%
24	3.65%	3.70%
30	2.87%	2.90%
36	2.92%	2.95%
48	2.97%	3.00%
60	3.01%	3.05%

Months	Dividend Rate	APY 1
12	3.89%	3.95%
24	3.65%	3.70%
36	2.92%	2.95%
48	2.97%	3.00%
60	3.01%	3.05%

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%

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

Salt City Federal Credit Union offers a full array of overdraft protection options to give you and your family peace of mind when managing your finances.

Overdraft Line of Credit

Automatic Savings Transfer

Basic Courtesy Pay

Extended Courtesy Pay

Protect Your Account Today

Headquarters Mailing Address

Contact Us

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

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

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.

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

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 Credit union does not offer a fully administered escrow program.

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

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 Powersport vehicles have a maximum term of 84 months.

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 Contact us for rates on older vehicles

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.

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.

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.

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 A typical auto loan of $40,000 at 6.99% APR would have 60 monthly payments of $625.96 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.49% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	7.50%
$20,001 – $50,000	Member	7.25%
$50,001 +	Member	7.00%
$10,000 – $20,000	CU	7.75%
$20,001 – $50,000	CU	7.50%
$50,001 +	CU	7.25%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	4.75%	$18.76
	120	5.25%	$10.73
	180	5.75%	$8.30
CU Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.86
	180	6.00%	$8.44

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	60	6.24%	$19.44
	84	6.74%	$14.97
	144	7.24%	$10.41
	180	7.74%	$9.70
Used 2015 – 2023	60	6.74%	$19.68
	84	7.24%	$15.21
	144	7.74%	$10.68
	180	8.24%	$9.70

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	48	5.49%	$23.25
	60	5.64%	$19.17
	72	5.84%	$16.50
	84	6.34%	$14.77
Used 2015 – 2023 ¹	48	5.99%	$23.48
	60	6.14%	$19.40
	72	6.34%	$16.73
	84	6.84%	$15.01

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%

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

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

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	36	6.74%	$30.76
	60	6.99%	$19.80¹
	72	7.24%	$17.16
Used 2023 and older	36	7.24%	$30.99
	60	7.49%	$20.03²
	72	7.74%	$17.41