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Routing # 221379918

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Business Savings and Checking Accounts

At Salt City Federal Credit Union, we offer banking solutions tailored to helping your organization thrive. With competitive rates, flexible options and federally insured deposits, managing your business’s finances has never been easier.

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Become A Salt City Member Group

A financially healthy workforce is more focused, productive and safer on the job. Adding Salt City to your benefit program gives the value of credit union access to your employees and their families. Our specialized employee benefit program features highly competitive members-only rates and services only available through Salt City Member Group employers. Best of all, there are no expenses to the employer or employees to make Salt City part of your benefit package.

Business Savings

Save with ease and flexibility.

Up to 9 customizable options available for all your budgeting needs.
$5 minimum deposit.
Low monthly fee of $5 per month.¹
Debit Card Application.

View Dividend Rates

Business Checking

No fuss, minimal fee checking solution to make managing your business easy.

Unlimited check writing.
Debit Card.
$1 minimum deposit.
Overdraft Protection.

Order Checks Online

Quickly and securely order your checks from Harland Clarke.

¹ Fee waived based on account and/or loan balances.

Tools & Resources

ATMs and Shared Branches
Ways to Bank With Us
Debit Card Application

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	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%

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 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 7.50% APR for a 25 year term would have a monthly payment of $369.50.

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	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

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

RV, Boat, Powersport Rates

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

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.

Traditional Vehicle Loan Rates

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

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

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 $35,000	7.99%

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.

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.

FUSE Loans Rates

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

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.