Rates

Current Rates

All rates are subject to change -- please verify current rates before depositing or borrowing.

Share Savings / Christmas Club / Vacation Club Accounts

Annual Percentage Yield (APY)Minimum Balance
0.01%$40,000 and over
0.01%$5 - $39,999.99

Contact Security Credit Union for further information about applicable fees and terms. Christmas Club Accounts mature on October 20.

Money Market / IDI (Insured Daily Investment) Account

Annual Percentage Yield (APY)
Paid December 1, 2024 for December 2024
Minimum Balance
0.45%$150,000 and over
0.40%$100,000 - $149,999.99
0.35%$50,000 - $99,999.99
0.30%$25,000 - $49,999.99
0.25%$2,500 - $24,999.99

Share Certificates of Deposit

TermsAnnual Percentage Yield (APY)Minimum Balance
5 year3.75%
$1,000
4 year3.75%$1,000
3 year3.75%$1,000
2.5 year4.00%$500
2 year4.00%$500
1.5 year4.25%$500
1 year4.20%$500
26 Week4.10%$500

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of December 1, 2024. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Save To Win CD rated at current 1 year CD Rate. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.

IRA Share Savings Account

Annual Percentage Yield (APY)
Paid December 1, 2024 for December 2024
Minimum Balance
0.25%$10,000 and over
0.15%$0 - $9,999.99

IRA Share Certificates of Deposit

TermsAnnual Percentage Yield (APY)Minimum Balance
5 year3.75%
$1,000
4 year3.75%
$1,000
3 year3.75%
$1,000
2.5 year4.00%$500
2 year4.00%$500
1.5 year4.25%$500
1 year4.20%$500
26 Week4.10%$500

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of December 1, 2024. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.

Loan Rates

Loan TypeAPR as low as
Visa® Titanium Rewards Credit Card13.15% - variable rate
Visa® Secured Classic Credit Card15.00% - fixed
Visa® Platinum Credit Card8.90% - fixed
Visa® Classic Credit Card15.00% - fixed
Personal Loans11.90%**
Freedom Loan12.49%**
Mortgages
Home Equity Loans
Home Equity Lines of Credit
Contact Security Credit Union's Real Estate Department at 810.235.2322 or toll-free at 800.373.2333

APR = Annual Percentage Rate.
*Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history.

Vehicle Loan Rates

Loan TypeAnnual Percentage Rate (APR)
New Vehicles5.49%*
Used Vehicles5.49%*
Street Motorcycle7.74%*
Includes street motorcycles 500cc or higher.
Recreational Vehicles6.79%*
Includes motor homes, travel trailers and campers.
Power Sports8.49%*
Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles.
Boats6.24%*

APR = Annual Percentage Rate.
*Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history.

Checking Rates

Premium Checking

Balance
Dividends Paid December 1 , 2024 for December 2024
APY (Annual Percentage Yield)
>$100,0000.00%
$50,000-$99,9990.30%
$10,000-$49,999.990.15%
<$10,0000.00%
Checking Disclosures

Bold Checking

Balance
Dividends Paid December 1, 2024 for December 2024
APY (Annual Percentage Yield)
>$25,0000.15%
$500-$24,999.990.05%
>$5000.00%
Checking Disclosures