Loan Rates Rates Effective: 01/10/2019 DescriptionLoan-to-Value Maximum Maximum Loan AmountMaximum Term (in months)Annual Percentage Rate New Vehicles Up to 120%$60, 000724.00% to 16.00% Used Vehicles ≤ 5 years oldUp to 120% $60,000 725.00% to 16.00% Used Vehicles > 5 years oldUp to 120% $35,000 605.00% to 16.00% New & Used Motorcycles Up to 100% $30,000 60 7.50% to 16.00% Mastercard Standard $500 to $10,000 Revolving 12.00% to 16.00% Mastercard Share Secured 100% of share balance $250 to $2,000Revolving 14.50% Share Secured Loans 100% of share balance 844.0% above rate of share collateral Certificate Secured Loans 100% of share balance $500 or more 604.0% above rate of share collateral Fresh Start Loans 100% of share balance $500, $1,000, $1,500 or $2,0006 to 24 4.0% above rate of share collateral Signature Loans $10,000 4810.25% to 16.00% Signature Loans with Collateral Up to 90% $15,000 4810.25% to 16.00% Overdraft Line-of-Credit $250 to $5,000 Revolving11.25% to 16.00% Home Equity Line-of-Credit80% of appraised value minus first mortgage balance $100,0001807.25% to 8.75% Annual Percentage Rate may vary depending on creditworthiness. Additional rate discounts may apply for lower LTV’s, automatic loan payments, Term Certificates or IRAs and/or previous loans paid in full satisfactory with Self-Help FCU and its Divisions. Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details. All rates and terms are subject to change without notice. The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance. Deposit Rates Rates Effective: 01/01/2019 TypeMin. to OpenMin. to Earn DividendsDividend Rate*APY** Savings (all types)$5$100.25%.25% Youth Accounts (all)$5$25.10%.10% Access Checking$0$0.10%.10% Personal Checking$0$0.10%.10% Money Market$500$5001.89%1.91% IRA Account$100$1001.85%1.87% Business Checking$0$0.05%.05% Non-Profit Checking$0$0.05%.05% All share accounts are variable rate accounts. Member must maintain $5 par value. Share Certificates Rates Effective: 01/01/2019 Term/IRA TermMin. to Open Term/IRAMin. to Earn Dividends Term/IRAAPR*APY** 3 Month(1)$500/$100$500/$100.25%.25% 6 Month(1)$500/$100$500/$100.25%.25% 12 Month$500/$100$500/$1002.10%2.12% 18 Month$500/$100$500/$1002.15%2.17% 24 Month$500/$100$500/$1002.35%2.38% 36 Month$500/$100$500/$1002.60%2.63% 48 Month$500/$100$500/$1002.70%2.74% 60 Month$500/$100$500/$1002.85%2.89% All term share accounts are fixed rate accounts. * APR=Annual Percentage Rate ** APY=Annual Percentage Yield (1) Terms not available for IRA Certificates All rates are subject to change without notice. Member accounts are insured by the National Credit Union Administration up to $250,000. IRA accounts are additionally insured up to $250,000. See our fee schedule. See account and membership disclosures.