Semiconductor of Maine Federal
Credit Union
Current Rates
Date of Last Rate Change: 07/01/2010
LIMITED TIME SPECIAL
Promotional Auto Loan Rate for New and Used Vehicles 2005 or newer. Existing SemiFCU loans are not eligible for this discounted rate.
36 months 3.50%/3.25% paid via payroll deduction
48 months 3.75%/3.50% paid via payroll deduction
60 months 4.00%/3.75% paid via payroll deduction
| Loan Type | New Rate | Used Rate |
| Fixed
Rate Home Equity Loan 80% LTV max. |
6.000% up to a 180 month term*** |
|
| New/Used Automobiles
& Motorcycles 2010-2005 60 mos. |
5.000%** |
5.000%** |
| 2010-2005 84 mos.* | 6.000%** | 6.000%** |
| 2004-2002 60 mos. | 6.000%** | |
| 2004-2002 84 mos.* | 7.000%** | |
| Share Secured Loans | 3.00% above earned rate | |
| Recreational
Vehicles (RVs, Snowmobiles, Boats)** |
8.500%** | 8.500%** |
| Personal Loans (Unsecured) $500-$20000 60 mos. |
11.000% |
|
| Tuition Loans | 10.000% | |
| 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.
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 07/01/2010
| Type of Account & Balance | Rate | Annual Percentage Yield (APY) |
| Share Account * | 0.25% | 0.25% |
| Club Account ** | 0.35% | 0.35% |
| Christmas Club Account | 0.35% | 0.35% |
| Checking (Share Draft) | None | N/A |
| Money
Market $0-$1999.99 $2000-$9999.99 $10,000+ |
None 0.40% 0.60% |
None 0.40% 0.60% |
|
IRA Savings |
0.85% |
0.85% |
| Certificates - $500 Minimum Deposit | ||
| 3 Month Cert. | .55% | .55% |
| 6 Month Cert. | .65% | .65% |
| 12 Month Cert. | .85% | .85% |
| 18 Month Cert. | 1.05% | 1.06% |
| 24 Month Cert. | 1.15% | 1.16% |
| 30 Month Cert. | 1.40% | 1.42% |
| 36 Month Cert. | 1.65% | 1.69% |
| 48 Month Cert. | 2.50% | 2.53% |
| 60 Month Cert. | 2.75% | 2.78% |
*$25.00 minimum to open account and earn dividends
**$.01 minimum to open account and earn dividends