Rates

Mortgages

Rates are effective: January 31, 2025

* APR = Annual Percentage Rate

Examples (estimated):

15 year: A $100,000 mortgage at 6.41% APR (6.33% interest rate) would have 180 payments of (an estimated) $861.79 (principal and interest only).
20 year: A $100,000 mortgage at 6.91% APR (6.83% interest rate) would have 240 payments of (an estimated) $765.13 (principal and interest only).
PROMO - 30 year: A $100,000 mortgage at 6.07% APR (5.99% interest rate) would have 360 payments of (an estimated) $598.91 (principal and interest only).

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Home Equity - learn more

Rates are effective: October 4, 2024

Example: A $50,000 Fixed Rate Home Equity loan at 90% LTV and 6.99% APR would have 180 monthly payments of $449.08. Insurances not included in this payment example. 

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Home Equity

Rates are effective: December 19, 2024
APR may vary | Maximum APR is 18.00%.

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Collateral Mortgage

Rates are effective: November 20, 2023

* APR = Annual Percentage Rate

Example: A $50,000 Collateral Mortgage loan at 90% LTV and 7.24% APR would have 180 monthly payments of $456.09. Insurances not included in this payment example. 

Personal Loans

Example: A $15,000 Personal loan at 7.99% APR would have 36 monthly payments of $469.91. Insurances not included in this payment example. 

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Promotional Loans

Example: A $3,500 Promotional loan at 5.24% APR would have 24 monthly payments of $153.92. Insurances not included in this payment example. 
**New money only

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Home Improvement Loans - learn more

Unsecured funds available for home improvements - new money only.

Example: A $10,000 Home Improvement loan at 8.24% APR would have 60 monthly payments of $203.89. Insurances not included in this payment example. 

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Home Improvement Plus Loans

Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000.
Total amount of traditional home improvement not to exceed $20,000.
Possible tax advantage - consult with your tax advisor

Example: A $10,000 Home Improvement Plus loan at 8.24% APR would have 60 monthly payments of $203.89. Insurances not included in this payment example. 

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Share Secured Loans - learn more

Unsecured funds available for home improvements

Example: A $10,000 Share-Secured loan at 3.74% APR would have 36 monthly payments of $294.07. Insurances not included in this payment example. 

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Collateral Loans - learn more

Financing up to 100% of the appraised value of collateral plus sales tax.

* APR = Annual Percentage Rate.

Example: A $10,000 Collateral loan at 7.49% APR would have 60 monthly payments of $200.31. Insurances not included in this payment example. 

VISA Credit Cards - learn more

Product	APR
Annual Percentage Rate (APR) for Purchases	11.99% for purchases made at any other time
SPECIAL PURCHASE RATE: APR for purchases made November 1, 2024 - December 31, 2024	2.49%
APR for Cash Advances	11.99%
APR for Balance Transfers	11.99**%
Promotional Visa Balance Transfer Rate	2.49%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees
Foreign Transaction Fee	1.00% of each currency transaction in U.S. dollars
Balance Transfer Fee	2.00% of the amount of each balance transfer with a $5 minimum.
Penalty Fees
Late Payment Fee Returned Payment Fee	up to $20.00 up to $25.00

Rates are effective November 1, 2024.

** Balance transfers made prior to January 1, 2019 will have the rate received at the time of the balance transfer. Transfer the balance of other high interest credit cards to a ServU Credit Union Visa Card and receive our promotional rate of 2.49% APR for the term of the balance. The rate remains FIXED at 2.49%APR for as long as it takes you to pay off the transferred balance.

This promotion may be rescinded at any time. Existing ServU Credit Card and loan balances do not qualify for the balance transfer offer. New funds only.

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How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

BalanceTransferAPR: Any existing balances on ServU Credit Union loan or credit card accounts are not eligible for the balance transfer APR.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at (800) 443-0663 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

OTHER DISCLOSURES

Late Payment Fee	$20.00	or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment
Returned Payment Fee	$25.00	or the amount of the required minimum payment, whichever is less.
Statement Copy Fee	$1.50	per page
Document Copy Fee	$8.00	per copy
Rush Fee	$30.00	per request
PIN Replacement Fee	$2.50	per PIN
Card Replacement Fee	$5.00	per card
Expedited Payment Fee	$1.00	If Your Account is subject to an Expedited Payment Fee, the fee will be charged for each requested expedited payment.

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates.

The Purchase APR is 11.99% which is a monthly periodic rate of 0.9992%
The Cash Advance APR is 11.99% which is a monthly periodic rate of 0.9992%
The Balance Transfer APR is 11.99% which is a monthly periodic rate of 0.9992%

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Credit Insurance Program

As a credit union member, you now have the opportunity to elect Credit Life and Credit Disability Insurance on your credit union Visa card. Insurance is voluntary, not required. If elected, Credit Life Insurance will pay the insured balance on your VISA if you die. Joint Credit Life is also available to insure the lives of you and a second card holder, who is jointly and equally responsible for payment of your VISA card. Credit Disability Insurance can make that minimum monthly payment on your VISA if you become totally and continuously disabled. Disability benefits are payable for the duration stated in your VISA contract. The monthly premiums are calculated on your outstanding balance. Your VISA statement will show the cost of each month's insurance payment and will be automatically added to your bill. For more information call or stop in any of our offices.

TO REPORT LOST OR STOLEN CARDS, PLEASE CALL 1-800-443-0663. Would you like to stop being solicited for all those Pre-Approved Credit Card offers? Then call 1-888-5OPTOUT (1-888-567-8688). By calling this number you will eliminate those new card offers from filling your mail box and also reduce the risk of exposure to these applications in the mail system.

Savings Accounts

Accurate as of the last dividend declaration date.

Certificate Information

Early withdrawal penalty may be imposed
$1000 minimum balance required
Jumbo Share Certificate = $100,000 or more
Certificate APY accurate as of October 3, 2024.

** APY = Annual Percentage Yield | Rates subject to change without notice. Fees could reduce the earnings on the account.