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Routing # 221379918

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Personal Savings Accounts

At Salt City Federal Credit Union, we’re here to support every stage of your financial journey. We offer a full range of options to help you reach savings goals and manage your finances with confidence. From money market accounts to certificates with highly competitive yields, we have everything you need for your personal savings plan.

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Personal Savings

Save with ease and flexibility.

Up to 9 customizable accounts available for all your budgeting needs.

$5 minimum deposit.

Debit Card Application.

Highly competitive yields and flexible terms make the most of your savings.

$1,000 minimum deposit.

Renew automatically at maturity.

Money Market

Higher dividends and easy, instant access to your funds.

$2,500 minimum deposit.

No monthly fees or limits for transfers and withdrawals.

Individual Retirement Accounts (IRAs)

Take advantage of tax benefits when you save for retirement with a Traditional or Roth IRA.

$5 minimum deposit, balances over $1,000 eligible for high-yield IRA certificates.
Traditional IRAs.
Roth IRAs.
IRA and retirement plan distributions.
Transfers, rollovers and conversions.
View Dividend Rates.

Coverdell Education Savings Accounts (ESAs)

Enjoy the tax benefits of saving for your child’s education expenses with a Coverdell ESA.

$5 minimum deposit, balances over $500 eligible for high-yield ESA certificates.
Coverdell ESA information.
View dividend rates.

Health Savings Accounts (HSAs)

If your health insurance is a High Deductible Health Plan (HDHP), an HSA will let you save and pay for qualified medical expenses with pre-tax dollars.

No minimum deposit.

Use a debit card, online Bill Pay or checks for easy payments.

Debit Card Application.

HSA information.

Ameriprise Retirement & Investment Services

Plan for your future with expert guidance from our partner, Ameriprise Financial Institutions Group.

Financial & retirement planning.
Investments & insurance.
Estate planning.

Contact Us

Tools & Resources

ATMs and Shared Branches
Ways to Bank With Us

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.