Semiconductor of Maine Federal
Credit Union
Current Rates
Date of Last Rate Change: 05/07/2013
| 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% |
*$25.00 minimum to open account and earn dividends
**$.01 minimum to open account and earn dividends