Semiconductor of Maine Federal
Credit Union
Current Rates
Date of Last Rate Change: 03/25/08
| Loan Type | New Rate | Used Rate |
| Fixed
Rate Home Equity Loan 95% LTV max. |
7.00% up to 15 year term*** |
|
| New/Used Automobiles
& Motorcycles 2008-2003 60 mos. |
4.75%** |
4.75%** |
| 2008-2003 84 mos.* | 5.75%** | 5.75%** |
| 2002-2000 60 mos. | 5.75%** | |
| 2002-2000 84 mos.* | 6.75%** | |
| Share Secured Loans | 3.00% above earned rate | |
| Recreational
Vehicles (RVs, Snowmobiles, Boats)** |
7.50%** | 7.50%** |
| Personal Loans (Unsecured) $500-$20000 60 mos. |
9.75% |
|
| Tuition Loans | 8.50% | |
| CHIPS Protection Plan (Overdraft Line of Credit)$500 - $1500 limits |
15.00% | |
*Minimum financing of $15,000 is required for vehicle loans over 60 months. Maximum terms depends on amount financed.
** .25% rate discount for loans paid via payroll deduction.
***$350.00 processing fee applies
**** Rates in APR - Annual Percentage Rate
A $75 loan refinance
fee applies for SemiFCU loans. Not allowed on existing vehicles loans.
All loan rates are subject to change without notice.
Please see a loan officer if you have any questions.

Share Rates
Date of Last Rate Change 03/25/08
| Type of Account & Balance | Rate | Annual Percentage Yield (APY) |
| Share Account * | 0.50% | 0.50% |
| Club Account ** | 0.65% | 0.65% |
| Christmas Club Account | 0.65% | 0.65% |
| Checking (Share Draft) | None | N/A |
| Money
Market $0-$1999.99 $2000-$9999.99 $10,000+ |
None 2.25% 2.50% |
None 2.27% 2.53% |
|
IRA Savings |
3.00% |
3.04% |
| Certificates - $500 Minimum Deposit | ||
| 3 Month Cert. | 2.75% | 2.78% |
| 6 Month Cert. | 3.00% | 3.04% |
| 12 Month Cert. | 3.35% | 3.40% |
| 18 Month Cert. | 3.50% | 3.56% |
| 24 Month Cert. | 3.60% | 3.66% |
| 30 Month Cert. | 3.65% | 3.71% |
| 36 Month Cert. | 3.70% | 3.76% |
| 48 Month Cert. | 3.75% | 3.82% |
| 60 Month Cert. | 3.80% | 3.87% |
*$25.00 minimum to open account and earn dividends
**$.01 minimum to open account and earn dividends