Semiconductor of Maine Federal Credit Union

Current Rates

Date of Last Rate Change: 05/07/2013

Share Rates |  Loan Rates

   
Loan Type New Rate Used Rate
New & Used Vehicle/Motorcycle                  Model years 2013 - 2008 up to 60 mos.*** 2.000%** 2.000%**
New/Used Vehicle 2013-2008 up to 84 mos.* 4.500%** 4.500%**
Older Used Vehicle 2007-2005 up to 60 mos.*** N/A 3.000%**
Older Used Vehicle 2007-2005 up to 84 mos.* N/A 6.000%**
Share Secured Loan 3.00% above earned rate
Recreational Vehicle
(RVs, Snowmobiles, Boats)**		 7.250%** 7.250%**
Personal Loan (Unsecured)
$500-$20000 60 mos.

 

10.750%**
Tuition Loans 10.000%
1st Mortgage Loan - refinances only/no purchases

180 months/80% loan to value maximum

3.500% No points, $350 processing fee = total cost
2nd Mortgage Loan 

180 months/80% loan to value maximum

 3.500% No points, $350 processing fee = total cost
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.

** Add 0.25% to rate if NOT paid via payroll deduction

*** No refinancing of existing SemiFCU loans

All quoted rates in APR = Annual Percentage Rate

A $75 loan refinance fee applies to most SemiFCU vehicle and personal loans - some restrictions apply



 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 01/01/2013

Type of Account & Balance Rate Annual Percentage Yield (APY)
Share Account * 0.10% 0.10%
Club Account ** 0.15% 0.15%
Christmas Club Account 0.15% 0.15%
Checking (Share Draft) None N/A
Money Market 
$0-$1999.99
$2000-$9999.99
$10,000+
None
0.20%
0.25%
None
0.20%
0.25%

IRA Savings

0.40%

0.40%
Certificates - $500 Minimum Deposit
3 Month Cert. .25% .25%
6 Month Cert. .30% .30%
12 Month Cert. .40% .40%
18 Month Cert. .50% .50%
24 Month Cert. .60% .60%
30 Month Cert. .75% .75%
36 Month Cert. .80% .80%
48 Month Cert. 1.10% 1.11%
60 Month Cert. 1.40% 1.41%

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