Rates

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 3rd Quarter 2018 0.15% 0.15%
Individual Retirement Accounts (IRAs)
Type SC 0.45% 0.45%
Type A Declared at End of Quarter Declared at End of Quarter
Share Certificates**
12 months 0.45% 0.45%

** APY = Annual Percentage Yield. ** Share Certificates: $500 minimum deposit required / $100,000 maximum per member. IRA Share Certificate Disclosure. Truth-in-Savings Disclosure for Term Share Certificate Accounts

Loan Rates

Sweet Home FCU home banking


Rates Effective as of October 1, 2018
Rates are subject to change without prior notice
Rates posted are with a Full Service Checking (excludes Home Equity LOC)! Ask for details…


Loan Type Term APR*
Unsecured 1 - 5 years as low as 7.99%
New and Used Vehicles 2 years as low as 1.49%
- 3 - 5 years as low as 1.70%
- 6 years as low as 3.24%
New and Used Motorcycle 1 -5 years As low as 1.70%
New and Used Recreational Vehicles 1 - 10 years as low as 5.25%
- 11 - 15 years as low as 5.38%
New Boats 1 - 10 years as low as 7.25%
Used Boats 1 - 10 years as low as 9.25%
Antique Vehicles 2 - 5 years call for rates
Share Pledged 1 - 2 years as low as 3.20%
- Over 2 Years As low as 3.70%
Home Equity Line of Credit - Variable 20 years max as low as 5.00%
Home Equity Line of Credit - Lock in 5 years as low as 5.00%
- 10 years as low as 6.00%
- 15 years as low as 7.00%
First mortgages - Owners Choice Funding 15 - 30 years years Call for details

* 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. Rates are subject to change without notice. Other rates, terms, fees or conditions may apply. Financing for qualified Sweet Home Federal Credit Union members. 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. 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)