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Rates effective as of June 1, 2017 and are subject to change without notice. Fees may reduce earnings.
| Type of Account | APY1 | Dividend Rate | Minimum Balance |
| Gold Source Checking Share | 0.10% | 0.10% | $2,000.00 |
| Primary Savings Share | 0.18% | 0.18% | $5.00 |
| Youth Savings Share | 0.18% | 0.18% | $5.00 |
| Holiday Club Savings Share | 0.18% | 0.18% | $5.00 |
| ROTH, Traditional & SEP IRA Savings2 | 0.22% | 0.22% | $5.00 |
| Type of Account | APY1 | Dividend Rate | Minimum Balance |
| $2,000 - $ 9,999 | 0.19% | 0.19% | $2,000.00 |
| $10,000 - $19,999 | 0.21% | 0.21% | $10,000.00 |
| $20,000 - $39,999 | 0.25% | 0.25% | $20,000.00 |
| $40,000 - $74,999 | 0.31% | 0.31% | $40,000.00 |
| $75,000 - $99,999 | 0.37% | 0.37% | $75,000.00 |
| $100,000 and over | 0.45% | 0.45% | $100,000.00 |
Minimum Balance: $1,000
| Term | Type of Account | APY1 | Dividend Rate |
| 60 months | $60,000 - $99,999 plus Jumbo | 2.40% | 2.37% |
| 60 months | $20,000 - $59,999 | 2.34% | 2.31% |
| 60 months | less than $20,000 | 2.28% | 2.25% |
| 48 - 60 months | $60,000 - $99,999 plus Jumbo | 1.96% | 1.94% |
| 48 - 60 months | $20,000 - $59,999 | 1.90% | 1.88% |
| 48 - 60 months | less than $20,000 | 1.84% | 1.82% |
| 36 - 48 months | $60,000 - $99,999 plus Jumbo | 1.64% | 1.63% |
| 36 - 48 months | $20,000 - $59,999 | 1.58% | 1.57% |
| 36 - 48 months | less than $20,000 | 1.52% | 1.51% |
| 24 - 36 months | $60,000 - $99,999 plus Jumbo | 1.37% | 1.36% |
| 24 - 36 months | $20,000 - $59,999 | 1.32% | 1.31% |
| 24 - 36 months | less than $20,000 | 1.26% | 1.27% |
| 12 - 24 months | $60,000 - $99,999 plus Jumbo | 1.17% | 1.16% |
| 12 - 24 months | $20,000 - $59,999 | 1.12% | 1.11% |
| 12 - 24 months | less than $20,000 | 1.07% | 1.06% |
| 6 - 12 months | $60,000 - $99,999 plus Jumbo | 0.74% | 0.74% |
| 6 - 12 months | $20,000 - $59,999 | 0.70% | 0.70% |
| 6 - 12 months | less than $20,000 | 0.66% | 0.66% |
| 3 - 6 months | $60,000 - $99,999 plus Jumbo | 0.42% | 0.42% |
| 3 - 6 months | $20,000 - $59,999 | 0.37% | 0.37% |
| 3 - 6 months | less than $20,000 | 0.32% | 0.32% |
1APY = Annual Percentage Yield
2Early withdrawal penalties may apply. See Fee Schedule for more details.
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 48 months | Maximum: $150,000 | As low as** 1.49%*** | As low as $22+ |
| Up to 60 months | Maximum: $150,000 | As low as** 2.00%*** | As low as $18+ |
| Up to 72 months | Maximum: $150,000 | As low as** 2.74%*** | As low as $16+ |
| 84 months | Maximum: $150,000 | As low as** 3.29%*** | As low as $14+ |
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 48 months | Maximum: $75,000 | As low as** 1.49%*** | As low as $22+ |
| Up to 60 months | Maximum: $75,000 | As low as** 2.00%*** | As low as $18+ |
| Up to 72 months | Maximum: $75,000 | As low as** 2.74%*** | As low as $16+ |
Models no older than 10 years
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 60 months | Maximum: $300,000 | As low as** 5.24%*** | As low as $19+ |
| Up to 84 months | Maximum: $300,000 | As low as** 5.75%*** | As low as $15+ |
| Up to 120 months | Maximum: $300,000 | As low as** 7.74%*** | As low as $12+ |
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 60 months | Maximum: $150,000 | As low as** 5.24%*** | As low as $19+ |
| Up to 84 months | Maximum: $150,000 | As low as** 6.24%*** | As low as $15+ |
| Up to 120 months | Maximum: $150,000 | As low as** 8.24%*** | As low as $13+ |
Check the current Rates and Fees for USSFCU Private Student Loan:
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 36 months | Minimum: $250 Maximum: $70,000 |
As low as** 7.24%*** | As low as $31+ |
| Up to 48 months | Minimum: $250 Maximum: $70,000 |
As low as** 8.24%*** | As low as $25+ |
| Up to 60 months | Minimum: $250 Maximum: $70,000 |
As low as** 9.24%*** | As low as $21+ |
| Up to 72 months | Minimum: $250 Maximum: $70,000 |
As low as** 9.74%*** | As low as $19+ |
| Up to 84 months | Minimum: $250 Maximum: $70,000 |
As low as** 10.24%*** | As low as $17+ |
Available only to members employed by the Federal Government.
| Loan Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 36 months | Minimum: $250 Maximum: $10,000 |
5.49% | As low as $31+ |
| Loan Type | Loan Amounts | APR* |
| EasyLine | Minimum: $100 Maximum: $1,000 |
18.00% |
| SenateLine | Minimum: $250 Maximum: $5,000 |
13.00%1 |
| PremierLine | Minimum: $5,000 Maximum: $50,000 |
11.00%2 |
1 Variable periodic rate subject to change. The rate is determined by adding 9.0% (the "margin") to the highest Prime Rate as published in Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter (the "index").
2 Variable periodic rate subject to change. The rate is determined by adding 7.0% (the "margin") to the highest Prime Rate as published in Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter (the "index").
| FHA 30 Yr. Fixed | Points | Payment | |
| 3.750% | 4.502% APR* | 0 + 0.000pts | $754 |
| VA 30 Yr. Fixed | |||
| 3.625% | 3.836% APR* | 0 + 0.500pts |
$739 |
| Conventional 30 Yr. Fixed | |||
| 4.00% | 4.112% APR* | 0 + 0.500pts | $764 |
| Conventional 15 Yr. Fixed | |||
| 3.250% | 3.390% APR* | 0 + 0.125pts | $1,124 |
*APR = Annual Percentage Rate
*All stated rates are effective as of 5/22/2017 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans. 15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock.
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 120 Months | Minimum: $7,500 Maximum: $70,000 |
7.25%3 | As low as $12+ |
3 Adjustable rate loan (Prime +1.0%), rate subject to change.
| Terms | Loan Amounts | APR* | Estimated Monthly Payment |
| Up to 60 Months | Minimum: $7,500 Maximum: $750,000 |
4.88% | As low as $19+ |
| From 61 to 120 Months | Minimum: $7,500 Maximum: $750,000 |
5.13% | As low as $19 to $11+ |
| From 121 to 180 Months | Minimum: $7,500 Maximum: $750,000 |
5.38% | As low as $11 to $9+ |
| APR* | |
| Prime + 0% | 4.00% |
Variable interest rate subject to change quarterly. Rate equal to the WSJ Prime Rate in effect on the last day of each calendar quarter subject to a floor of 3.00%. Maximum APR is 18.00%.
FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties.
LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.
PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.
| APR* | |
| Prime + 0% | 4.00% |
Variable interest rate subject to change quarterly.
FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties.
LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.
PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.
| APR* | Visa Smart Rate | Visa Smart Rewards |
| For Purchases | 9.75%. This APR will vary with the market based on the Prime Rate(1). | 11.00%. This APR will vary with the market based on the Prime Rate (1). |
| For Balance Transfers | 9.75%. This APR will vary with the market based on the Prime Rate(1). | 11.00%. This APR will vary with the market based on the Prime |
| For Cash Advances | 9.75%. This APR will vary with the market based on the Prime Rate (1). | 11.00%. This APR will vary with the market based on the Prime |
(1) Variable Rate. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make.
Document Copy Fee: $20 for each copy of a merchant draft
Transaction Fees
Foreign Transactions: 1% of the transaction amount.
Penalty Fees
Late Payment: Up to $35.00 if your payment is received after the due date
Returned Payment: Up to $35.00 for each returned payment.
*APR = Annual Percentage Rate
** If eligible for all possible discounts including maximum Classic or Gold Collection discount.
***If you are approved for credit, your annual percentage rate and/or credit limit will depend on your credit history, income, and debts. Rates are based on the borrower's creditworthiness and not all borrowers will receive the lowest rate.
+Estimated monthly payment per $1,000 borrowed.
| Product | APY* | Dividend Rate |
| Business Savings | 0.18% | 0.18% |
| Non-Interest Bearing Accounts | 0.00% | 0.00% |
| Tier | APY* | Dividend Rate |
| Tier I - $2,000-$9,999 | 0.19% | 0.19% |
| Tier II - $10,000-$19,999 | 0.21% | 0.21% |
| Tier III - $20,000 - $39,999 | 0.25% | 0.25% |
| Tier IV - $40,000 - $74,999 | 0.31% | 0.31% |
| Tier V - $75,000 - $99,999 | 0.37% | 0.37% |
| Tier VI - over $100,000 | 0.45% | 0.45% |
Minimum Balance: $1,000
| Terms | Type of Account | APY* | Dividend Rate |
| 3-6 months | less than $20,000 | 0.32% | 0.32% |
| 3-6 months | $20,000-$59,999 | 0.37% | 0.37% |
| 3-6 months | $60,000-$99,999 plus Jumbo | 0.42% | 0.42% |
| 6-12 months | less than $20,000 | 0.66% | 0.66% |
| 6-12 months | $20,000-$59,999 | 0.70% | 0.70% |
| 6-12 months | $60,000-$99,999 plus Jumbo | 0.74% | 0.74% |
| 12-24 months | less than $20,000 | 1.07% | 1.06% |
| 12-24 months | $20,000-$59,999 | 1.12% | 1.11% |
| 12-24 months | $60,000-$99,999 plus Jumbo | 1.17% | 1.16% |
| 24-36 months | less than $20,000 | 1.27% | 1.26% |
| 24-36 months | $20,000-$59,999 | 1.32% | 1.31% |
| 24-36 months | $60,000-$99,999 plus Jumbo | 1.37% | 1.36% |
| 36-48 months | less than $20,000 | 1.52% | 1.51% |
| 36-48 months | $20,000-$59,999 | 1.58% | 1.57% |
| 36-48 months | $60,000-$99,999 plus Jumbo | 1.64% | 1.63% |
| 48-60 months | less than $20,000 | 1.84% | 1.82% |
| 48-60 months | $20,000-$59,999 | 1.90% | 1.88% |
| 48-60 months | $60,000-$99,999 plus Jumbo | 1.96% | 1.94% |
| 60 months | less than $20,000 | 2.28% | 2.25% |
| 60 months | $20,000-$59,999 | 2.34% | 2.31% |
| 60 months | $60,000-$99,999 plus Jumbo | 2.40% | 2.37% |
Early withdrawal penalties may apply. See fee schedule for more details.
*APY = Annual Percentage Yield
