products and services of Sweet Home FCU

Among Sweet Home Federal Credit Union’s greatest strengths are our low loan rates and outstanding savings yields. Whether you’re looking for a low loan rate or savings yield that consistently ranks among the best in the nation, you’ll find them here.

Savings Rates

loan services for Sweet Home FCU

Rates are subject to change without notice

Account Type Rate APY*
Share Dividends 1st Quarter 2023 0.100% 0.100%
Individual Retirement Accounts (IRAs)
IRA Term Certificate (12 Months) 0.75% 0.75%
Type A Quarterly Declared at End of Quarter Declared at End of Quarter
Share Certificates**
12 months Call For Rate Call For Rate

** APY = Annual Percentage Yield. ** Share Certificates: $500 minimum deposit required / $100,000 maximum per member. Please contact the Credit Union for more information.

Loan Rates

Sweet Home FCU home banking

Rates Effective as of April 1, 2023
Rates are subject to change without prior notice

Loan Type Term APR*
Personal Loans 12 to 36 months as low as 7.74%
- 37 to 60 months as low as 8.74%
New Automobile - Model years 2022 or newer 60 months as low as 4.24%
- 72 months as low as 5.24%
- 84 months as low as 6.24%
Used Automobile - Model years 2018 or newer 60 months as low as 4.24%
- 72 months as low as 5.24%
Used Automobile - Model years 2017 60 months as low as 4.24%
Used Automobile - Model years 2012-2016 48 months as low as 6.99%
New or Used Motorcycles 60 months call for rates
Snowmobile, ATV, Jetski & Outdoor Vehicles 60 months as low as 5.99%
New and Used Recreational Vehicles 120 months as low as 5.99%
- 180 months as low as 6.99%
New Boats 120 months as low as 5.99%
Used Boats 120 months as low as 6.99%
Antique Vehicles up to 60 months call for rates
Share Pledged 12 - 24 months as low as 3.45%
- 36 - 60 months As low as 3.95%
Home Equity Line of Credit - Variable 20 years max as low as 6.25%
Home Equity Line of Credit - Lock in 5 years as low as 6.25%
- 10 years as low as 7.00%
- 15 years as low as 8.00%
First mortgages - Owners Choice Funding Visit Owner Choice funding at www.ownerschoice.com for current rates and terms

* APR = Annual Percentage Rate. All rates quoted and listed are APR. Loan rates reflect the lowest rate available on approved credit as determined by the creditworthiness of each applicant. All Credit Union loan programs, rates, terms and conditions are subject to change without notice. All loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates, terms, fees or conditions may apply. Financing for qualified Sweet Home Federal Credit Union members. To apply for a loan, you may download an application from this website, stop by our office or for your convenience, we will take your application over the phone. In most cases, your loan will be approved in 24 hours although in some instances, it will be referred to the Credit Committee.

Fee Schedule

sweet home fcu fee schedule

Description Amount
Fax Fee (outgoing) $1.00
Stop Payment (ACH or Draft) $20.00
Stop Payment (CU Corporate Check) $20.00
Non-sufficient Funds (ACH or check) $25.00
Share Sweep Account Fee $4.00
Courtesy PAy Fee $25.00
Photocopy Request of Draft $3.00
Extra Statement $1.00 per page
Fax Copy of Draft or Certified Draft $5.00 each
CU Corporate Check (W/D) $1.00 each (one free per day)
Loan Rewrite Fee $25.00 (must be paid before finance)
Lien Replacement Fee $5.00
Administrative Fee for Legal Documents $15.00 per page received
Research from Archives Beyond Computer’s Capacity $25.00 per hour at member’s request
Reconciliation of Account $25.00 per hour / $10.00 minimum
Wire Transfer – Domestic $15.00
Debit Card Replacement Fee $10.00 each (1st replacement card free)
Replacement PIN $5.00 first / $10.00 each additional
ATM Withdrawal $0.50 per w/d free at 1960 Sweet Home Road
ATM Inquiry $1.50 each (two free per month)
Dormant Account Fee (no activity for 1 year) $15.00 each account per quarter
Returned Mail Fee $10.00
Canadian Cash Letter Item Fee $5.00 / item
Returned Check Fee $25.00
Early Closure Fee $ 5.00 Share (Savings)
(fee accessed if account is closed within 90 days) $20.00 Draft (Checking)