Current Rates & Fee Schedule

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, weekdays, 8:00 AM until 6:00 PM EST for our most current rates.

Automobile, RV, Boat & Motorcycle Loans

Fixed APR Fixed APR Fixed APR
Auto/Motorcycle/RV (Incl. .25% discount for autopay) 1.99% / 36 mos. 1.99% / 48 mos. 1.99% / 60 mos.
Boat1 (Incl. .25% discount for autopay) 2.99% / 36 mos. 3.49% / 48 mos. 3.99% / 60 mos.

Personal Loans

  Fixed APR Variable APR
Personal Access Line (PAL)2   8.25%
All Purpose Loan1 (Incl. .25% discount for autopay)   8.99% / 12 mos.

Credit Cards3

  Intro Rate Variable APR
Sharonview Clear AdvantageTM   1.90% up to 12 months 9.24%
Sharonview Unlimited RewardsTM   1.90% up to 12 months 10.74%

Share & Certificate Loans

  Fixed APR Variable APR
Share Secured Loans   share rate + 2.50%*
Certificate Secured Loan   certificate rate + 2.50%*

Home Equity Loans

Fixed APR Variable Rate
Homeline4   Click Here
Home Equity Loan5   Click Here

Mortgage Loans

  Fixed APR Variable APR
Fixed-Rate Mortgage   Click Here
Adjustable-Rate Mortgage   Click Here

1The Loan Rates shown are our best rates for qualified borrowers with automatic payments 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.

3Sharonview Credit Card 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 10th calendar day of each month. Margins are based on your creditworthiness. See your SFCU representative for information about your rate and margin.

4The applicable APR is determined based on individual creditworthiness up to 80%, LTV and changes in the Prime Rate. The 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. 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 $100 may apply. For loan amounts greater than $250,000, additional third-party costs 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. Your exact margin depends on your loan-to-value and creditworthiness at the time your line is opened.

5The applicable APR is determined based on individual creditworthiness up to 85%, LTV and term of the loan. The 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 further information. Sharonview pays all normal closing costs associated with the loan except in SC where a fee up to $100 may apply. For loan amounts greater than $250,000, additional third party costs 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.

Checking

  Dividend Rate Annual Percentage Yield
Simply Free Checking   0.050% 0.050%

Share/Savings

  Dividend Rate Annual Percentage Yield
Regular Share   0.100% 0.100%
Little Rascals Club Savings   0.100% 0.100%
Holiday Share   0.100% 0.100%
Special Purpose Share   0.100% 0.100%

Money Market/IRA Savings

  Dividend Rate Annual Percentage Yield
$1,000 - $9,999   0.150% 0.150%
$10,000 - $24,999   0.200% 0.200%
$25,000 - $49,999   0.250% 0.250%
$50,000 +   0.300% 0.300%

Premium Money Market+

  Dividend Rate Annual Percentage Yield
$25,000 minimum balance   0.300% 0.300%

Premium Plus Money Market+

  Dividend Rate Annual Percentage Yield
$50,000 minimum balance   0.349% 0.350%

Investor Money Market++

  Dividend Rate Annual Percentage Yield
$5,000 minimum balance   0.747% 0.750%

* Annual Percentage Yield (APY) is accurate as of 3/1/2014. These rates may change any time without prior notice. After your account is opened, the dividend rate may change.

+Earns savings rate if balance falls below minimum. Does not apply to IRAs.

++Requires relationship with Sharonview Financial Services. Earn savings rate if balance falls below minimum. Does not apply to IRAs.

Certificates/IRA ($500 - $9,999 Balance)

  Dividend Rate Annual Percentage Yield
3-5 months   0.100% 0.10%
6-11 months   0.150% 0.15%
13 month special (min. $5,000 in new funds. IRAs not eligible.)   0.995% 1.00%
12-23 months   0.250% 0.25%
23 month “Raise Your Rate” special+ (min. $5,000 in new funds. IRAs not eligible)   1.242% AND one bump+ 1.25%
24-35 months   0.499% 0.50%
36 month IRA special (min. $5,000 in new funds)   2.00% 2.00%
36-59 months   0.995% 1.00%
60 months   1.242% 1.25%

Certificates/IRA ($10,000 - $49,999 Balance)

  Dividend Rate Annual Percentage Yield
3-5 months   0.200% 0.20%
6-11 months   0.250% 0.25%
13 month special (min. $5,000 in new funds. IRAs not eligible.)   0.995% 1.00%
12-23 months   0.449% 0.45%
23 month “Raise Your Rate” special+ (min. $5,000 in new funds. IRAs not eligible)   1.242% AND one bump+ 1.25%
24-35 months   0.747% 0.75%
36 month IRA special (min. $5,000 in new funds)   2.00% 2.00%
36-59 months   1.341% 1.35%
60 months   1.735% 1.75%

Certificates/IRA ($50,000 - $99,999 Balance)

  Dividend Rate Annual Percentage Yield
3-5 months   0.250% 0.25%
6-11 months   0.349% 0.35%
13 month special (min. $5,000 in new funds. IRAs not eligible.)   0.995% 1.00%
12-23 months   0.499% 0.50%
23 month “Raise Your Rate” special+ (min. $5,000 in new funds. IRAs not eligible)   1.242% AND one bump+ 1.25%
24-35 months   0.995% 1.00%
36 month IRA special (min. $5,000 in new funds)   2.00% 2.00%
36-59 months   1.489% 1.50%
60 months   1.833% 1.85%

Certificates/IRA ($100,000+ Balance)

  Dividend Rate Annual Percentage Yield
3-5 months   0.300% 0.35%
6-11 months   0.349% 0.35%
13 month special (min. $5,000 in new funds. IRAs not eligible.)   0.995% 1.00%
12-23 months   0.499% 0.50%
23 month “Raise Your Rate” special+ (min. $5,000 in new funds. IRAs not eligible)   1.242% AND one bump+ 1.25%
24-35 months   0.995% 1.00%
36 month IRA special (min. $5,000 in new funds)   2.00% 2.00%
36-59 months   1.637% 1.65%
60 months   1.980% 2.00%

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 a 5 day 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.

+A higher Dividend Rate being offered by us at any time, with our standard published terms between 12 to 23 months, may be elected one time during the certificate term - and that new rate would apply for the remaining term and the actual APY would be higher. Excludes any other special certificates offered during this term. Rate will only be raised at member’s request.

Fee Schedule (Effective October 30, 2014)

  Fee Amount
Non-Sufficient Funds(NSF)/Electronic Transaction; Returned Deposit/Payment; Overdraft Privilege $30.00 
Returned Deposit/Payment (3rd Party NSF);Check by phone $10.00 
Stop Payment $30.00 
Photocopies of Cancelled Checks: First FIVE per calendar year No Charge 
Photocopies of Cancelled Checks: Additional Copies $2.00 / Copy
Account Statement Copies $2.00 / Page
SFCU ATM/Debit Card Transactions at over 30,000 SFCU/CO-OP ATMs No Charge 
ATM/Debit/Credit Card Replacement $10.00 
Incoming Collection Item $5.00 / Item
Reg D Courtesy Inclearing $5.00 / Item
Wire Transfer Fees: Domestic $15.00 
Wire Transfer Fees: International $35.00 
Official Check Fee: Members $5.00 / Each
Official Check Fee: Non-members $10.00 / Each
Non-SFCU Transfer: Incoming & Outgoing (<$2,500) – Standard delivery No Charge 
Non-SFCU Transfer: Outgoing (over $2,500) – Standard delivery $3.00 / Each
Non-SFCU Transfer: Incoming & Outgoing – Next business day $5.00 / Each
Popmoney® (Pay Other People) – Standard delivery No Charge 
Popmoney® (Pay Other People) – Next business day $5.00 
Non-Member Check Fee $10.00 / Each
Inactivity Fee (after 12 months without activity) $10.00 / Month
Dormant Account Fee
highest sum allowable
by applicable laws
Account Research/Statement Reconciliation $20.00 / Hour
Abandoned Property/Dormancy Processing Fee $25.00 
Re-Open Membership $50.00 
Standard Personalized Checks Prices Vary
Standard Personalized Checks for (Ages 55+) No Charge 
Holiday Share Early Withdrawal (February 1 – October 14) $5.00 / Each
Online Banking/Bill Payment/Mobile Deposit No Charge 
Money Orders (where available) $2.00 / Each
Notary Service $3.00 / Each
Returned Statement Fee $5.00 / Each