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Current Rates & Fee Schedule
Loans | Share/Savings | Certificates | Fee Schedule | Special Offers & e-newsletter
All rates are subject to change without notice. All loan rates listed are lowest rates possible as of the date stated below, unless otherwise noted. While we strive to maintain our most current rates online, it may be possible that these rates are not the most current.
Please call our Financial Solutions Center at (704) 969-6700 or (800) 462-4421 for our most current rates.
Loans1
| TOP |
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Automobile, RV, Boat, Motorcycle & Mobile Home Loans |
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Rates as low as… |
Fixed APR |
Variable APR |
| New Automobiles (2009 & Newer) | 5.49% | -- | | Used Automobiles (2008 & Older) | 6.24% | -- | | Other Collateral
(Boat, RV, Motorcycle, New or Used)
| 7.24% | -- |
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Personal Loans |
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Rates as low as… |
Fixed APR |
Variable APR |
| Personal Access Line(PAL)2 | | 8.25% | | All Purpose Loan | 8.25% | -- |
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Credit Cards |
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Rates as low as… |
Intro Rate |
Fixed APR |
| MasterCard® Platinum Preferred | 4.90% up to 6 months | 7.90% |
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Rates as low as… |
Intro Rate |
Fixed APR |
| | | | Visa® Platinum Rewards | 4.90% up to 6 months | 8.90% |
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Share & Certificate Loans |
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Fixed APR |
Variable APR |
| Share Secured Loans | share rate
+ 2.50%* | -- | | Certificate Secured Loan | certificate rate
+ 2.50% | -- |
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Home Equity Loans |
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Rates as low as… |
Fixed Rate |
Variable Rate |
APR |
| Sharonview Homeline3 | | 3.750% | 3.75% | | Fixed Rate Homeline4 | 6.500% | | 6.50% | | Fixed-Rate Second Mortgage | 5.125% | | 5.13% |
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Mortgage Loans |
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Rates as low as… |
Fixed Rate |
Variable Rate |
APR |
| Fixed Rate Mortgage | Click Here | | Advantage Mortgage
(3/3 ARM or 5/1 ARM) | | Click Here |
1The Loan Rates shown are our best rates for qualified borrowers and specific terms. Other rates and terms may be available and/or offered to you based on qualifications or collateral used. Contact us for more information.
2Sharonview PAL rates are based on the Prime Lending Rate plus or minus a certain margin. The Prime Lending Rate is the highest listing of Prime in the Wall Street Journal on the last business day of each month. Margins are based on your creditworthiness. See your SFCU representative for information about your rate and margin.
3The applicable APR is determined based on individual credit worthiness and changes in the Prime Rate. Interest rates are variable and subject to change, but will not exceed 15.00% APR. Sharonview pays all normal closing costs associated with the loan except in SC where a fee up to $500 may apply. You should consult with the Credit Union regarding any exceptions to the closing costs we normally pay. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Flood insurance may be required. Some additional restrictions may apply.
4Other rates available for lines over 85% LTV. After the first 5 years, rate becomes variable, as low as Prime, during the 15 year repayment period. Your exact margin depends on your loan-to-value and credit worthiness at the time your line is opened.
Share/Savings
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Share/Savings |
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Dividend Rate |
Annual Percentage Yield |
| Regular Share | .25% | .25% |
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Dividend Rate |
Annual Percentage Yield |
| Little Rascals Club Savings | .25% | .25% | | Holiday Share | .25% | .25% | | Special Purpose Share | .25% | .25% |
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Checking |
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Dividend Rate |
Annual Percentage Yield |
| Teen Checking | 0.25% | 0.25% | | Freedom Checking | 0.25% | 0.25% | | FreedomPlus Checking | 0.25% | 0.25% |
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Money Market/IRA Savings |
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Dividend Rate |
Annual Percentage Yield |
| $1,000 - $9,999 | 0.25% | 0.25% | | $10,000 - $24,999 | 0.50% | 0.50% | | $25,000 - $49,999 | 0.75% | 0.75% | | $50,000+ | 1.00% | 1.00% |
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Premium Money Market + |
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Dividend Rate |
Annual Percentage Yield |
| $25,000 minimum balance | 1.00% | 1.00% |
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Premium Plus Money Market + |
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Dividend Rate |
Annual Percentage Yield |
| $50,000 minimum balance | 1.24% | 1.25% |
* Annual Percentage Yield (APY) is accurate as of 3/15/10. These rates may change any time without prior notice. After your account is opened, the dividend may change.
+Earns savings rate if balance falls below minimum. Does not apply to IRAs.
Certificates (Regular & IRA's)
| TOP |
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Certificates ($500 - $9,999 Balance) |
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Dividend Rate |
Annual Percentage Yield |
3-5 months
6-11 months
12-23 months
24-35 months
36-59 months
60 months
| 0.50%
1.49%
1.73%
1.98%
2.23%
3.20% | 0.50%
1.50%
1.75%
2.00%
2.25%
3.25% |
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Certificates ($10,000 - $49,999 Balance) |
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Dividend Rate |
Annual Percentage Yield |
3-5 months
6-11 months
12-23 months
24-35 months
36-59 months
60 months
| 0.75%
1.73%
1.98%
2.23%
2.47%
3.20% | 0.75%
1.75%
2.00%
2.25%
2.50%
3.25% |
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Certificates ($50,000 - $99,999 Balance) |
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Dividend Rate |
Annual Percentage Yield |
3-5 months
6-11 months
12-23 months
24-35 months
36-59 months
60 months
| 1.00%
1.98%
2.23%
2.47%
2.71%
3.20% | 1.00%
2.00%
2.25%
2.50%
2.75%
3.25% |
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Certificates ($100,000+ Balance) |
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Dividend Rate |
Annual Percentage Yield |
3-5 months
6-11 months
12-23 months
24-35 months
36-59 months
60 months
| 1.24%
2.23%
2.47%
2.71%
2.96%
3.20% | 1.25%
2.25%
2.50%
2.75%
3.00%
3.25% |
The rates and Annual Percentage Yield (APY) for non-term accounts are prospective for the current dividend period. The APY assumes dividends remain in account until maturity. A withdrawal reduces earnings. A dividend penalty will apply to early withdrawal of share certificates. For share certificates there is no grace period provided at maturity. Your savings are federally insured up to $250,000 by the National Credit Union Administration (NCUA). The above dividend rates and APYs are subject to change without notice.
Fee Schedule
| TOP |
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Fee Schedule (Effective February 20, 2009) |
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Fee Amount |
| Non-Sufficient Funds(NSF)/Electronic Transaction; Returned Deposit/Payment; Overdraft Privilege | $29.00 | | Returned Deposit/Payment (3rd Party NSF);Check by phone | $10.00 | | Stop Payment | $15.00 | Photocopies of Cancelled Checks
First FIVE per calendar year
Additional Copies |
No Charge
$2.00/Copy | | Account Statement Copies | $2.00/Page | | SFCU ATM/Debit Card Transactions at 25,000 SFCU/CO-OP ATMs
| No Charge | | ATM/Debit/Credit Card Replacement Fee | $10.00/Card | | Incoming Collection Item | $5.00/Item | | Reg D Courtesy Inclearing | $5.00/Item | Wire Transfer Fees:
Domestic
International |
$15.00
$35.00 | Official Check Fee:
Members
Non-members
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$5.00/each
$10.00/each | | Dormant Account Fee | $10.00/Month | | Research on Account | $20.00/Hour | | Account Statement Reconciliation | $20.00/Hour | | Automatic Transfer for Overdraft | No Charge | Standard Personalized Checks:
First 150 Checks
Subsequent Orders
FreedomPlus (Ages 55+) |
No Charge
Prices Vary
No Charge | | Holiday Share Early Withdrawal
(February 1 – October 14) | $5.00/Each | | ebranch/epay Fee | No Charge | | Travelers Cheques | $1.50/order | | Gift Checks Fee | $1.50/Each | | Money Orders (where available) | $1.00/each |
These rates and fees are current as of: 3/15/2010
For any questions, contact us at (800) 462-4421
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Federally Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
