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.
Rates Effective as of October 1, 2023
Rates are subject to change without notice
| Account Type | Rate | APY* |
|---|---|---|
| Share Dividends 3rd Quarter 2023 | 0.250% | 0.250% |
| 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 | 0.75% | 0.75% |
** APY = Annual Percentage Yield. ** Share Certificates: $500 minimum deposit required / $100,000 maximum per member. Please contact the Credit Union for more information.
Rates Effective as of July 1, 2023
Rates are subject to change without prior notice
| Loan Type | Term | APR* |
|---|---|---|
| Personal Loans | 12 to 36 months | as low as 8.24% |
| - | 37 to 60 months | as low as 9.24% |
| New Automobile - Model years 2022 or newer | 60 months | as low as 5.24% |
| - | 72 months | as low as 6.24% |
| - | 84 months | as low as 7.24% |
| Used Automobile - Model years 2018 or newer | 60 months | as low as 5.24% |
| - | 72 months | as low as 6.24% |
| Used Automobile - Model years 2017 | 60 months | as low as 5.24% |
| Used Automobile - Model years 2012-2016 | 48 months | as low as 7.99% |
| 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 6.99% |
| - | 180 months | as low as 7.99% |
| 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 6.50% |
| Home Equity Line of Credit - Lock in | 5 years | as low as 6.50% |
| - | 10 years | as low as 7.25% |
| - | 15 years | as low as 8.25% |
| 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.
| 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) |