Semiconductor of Maine Federal Credit Union

Current Rates

Date of Last Rate Change: 07/01/2010

Share Rates |  Loan Rates

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%

Dividends are paid monthly on the average daily balance in each account. Dividend rates are subject to change without notice. See our Fee Schedule for details on fees and charges associated with our accounts.  Fees may reduce earnings on accounts.

On certificates, there is a substantial penalty for early withdrawal.

*$25.00 minimum to open account and earn dividends

**$.01 minimum to open account and earn dividends