Current Rates


Effective as of: 06-01-2024
 
Loan Type Term APR
 2020-New Vehicles, Motorcycles & Boats 66 Months *5.99% - 11.25%
2018-2019 Vehicles, Motorcycles & Boats 66 Months *6.50% - 11.75%
2016-2017 Vehicles, Motorcycles & Boats
60 Months
*6.75% - 12.00%
2014-2015 Vehicles, Motorcycles & Boats 48 Months *7.50% - 12.75%
** No extended terms on vehicles over 150,000 miles. **

Extended Terms on Boats and Campers Term APR
2020 - New (80% MSRP/NADA, Minimum loan amount $25,000) 85-120 Months Add 3% to rates above
2014 - New (80% NADA Retail, Minimum loan amount $20,000) 73-84 Months Add 2% to rates above

Non-Titled Collateral Term APR
2020 - New (100% MSRP/Value) 48 Months Add 2% to rates above
2014 - 2019 (100% MSRP/Value) 36 Months Add 2% to rates above

Loan Type APR
Personal - (36 Month Term) *14.00% - 18.00%
Line of Credit / Overdraft Protection 17.00%
Rewards Visa Credit Card
Disclosure
9.49%
Mortgages - Please call us at (402) 494-2073 or (800) 264-0796.
Share Certificate secured loan rates, add 3% above current annual percentage yield.
 
*Risk Based Lending
Lowest rate listed above is for members with a credit score of 750+, an active checking account or direct deposit to Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union.

*(APR) Annual Percentage Rate. Example: a $20,000.00 auto loan at 5.99% APR - 66 months, you would have a monthly payment of $356.47.  All credit scores are based on the Empirca scoring model from TransUnion.

For a coupon book payment, add 0.50% to the lowest rate quoted.
For an ACH payment, add 0.25% to the lowest rate quoted.
 
Extended Terms
2018 - New: Add .50% to quoted rate for term up to 75 months.
2015 - 2017: Add .75% to quoted rate for term up to 72 months.
2014 and Older: Add 1.00% to quoted rate to add up to 12 months to term listed above.
2021 - New ***84 term: Add 1.25% to quoted rate. $25,000 minimum amount financed.
 
All rates and terms are subject to change.
Rates listed do not apply for commercial vehicles.
Applicable rates & terms depend on member qualifications.
Terms are by month.
Effective as of: 06-01-2024
Shares/Savings *Minimum Deposit **Minimum Balance
Dividend Rate
 
APY
 
Regular Savings (Dividends paid 3/31/2024) $10 $0.01 0.20% 0.20%
Checking Accounts - Personal & Business
$25 $0.01 - $24,999 0.10% 0.10%
Checking Accounts - Personal & Business $25 $25,000 - $49,999 0.30% 0.30%
Checking Accounts - Personal & Business $25 $50,000 - Over 0.75% 0.75%
Money Market $1,000 $0.01 - $999 0.20% 0.20%
Money Market $1,000 $1,000 - $24,999 0.75% 0.75%
Money Market $1,000 $25,000 - Over 1.25% 1.25%
CU $mart $avers
(under age 18)
$10 $0.01 0.20% 0.20%
Christmas Savings $10 $0.01 0.20% 0.20%
Variable IRA Savings $100 $0.01 - Over 0.20% 0.20%
APY = Annual Percentage Yield, is accurate as of the last dividend declaration date.
These are variable rate accounts. Rate subject to change after the account is opened.
*The 'Minimum Deposit' is required to open the account.
**The 'Minimum Balance' is required to earn the disclosed APY.
Fees could reduce earnings on the account.
See 'Truth and Savings' for additional information.
 
Whether you are a first-time homebuyer or purchasing the house of a lifetime, we have you covered. Siouxland Federal Credit Union offers conventional mortgages for new purchases, constructions and refinances, as well as FHA and VA mortgage loans. We also offer free pre-approvals.


Conventional Fixed Rate Mortgage - Loan Minimum 5% Down

Term Rate APR Principal and Interest Payment
30 Year Call for Rates

15 Year Call for Rates

FHA mortgages available, please contact us for more information*
*Subject to credit score, loan amount and purpose.

 
6/1 In-House Adjustable Rate Mortgage Loan

Term Rate APR Principal and Interest Payment
30 Year Call for Rates


Mortgage Disclosures

If you have questions on rates and terms for loans that differ from the above assumptions, please contact a Siouxland Federal Credit Union mortgage loan officer today at (800) 264-0796.

The rates quoted above are for owner occupied, primary residence properties.

*(APR) Annual Percentage Rate. Example of a fixed rate Conventional purchase with 20% down payment: Purchase price of $250,000 / Loan amount $200,000/Interest Rate 6.75% / APR 6.952% / Term 30 years / P & I Payment $1,297.20.  Rates are not guaranteed and are subject to change without notice.

Stop by one of our convenient locations to talk to a mortgage professional today or
Apply Online Now!

Second Mortgage and Home Equity

You have worked hard for your home; now let your home work for you. Go ahead...remodel, fix that leaky roof, finance your children's education, or consolidate high-interest credit cards into one low-cost bill. We can help you achieve your goals with a home equity loan that's right for you.

Term Rate APR Principal and Interest Payment
5 Year *Call for Rates **

Second Mortgage 6/1 Adjustable-Rate Mortgage (ARM)

Term Rate APR Principal and Interest Payment
10 Year *Call for Rates **

Home Equity Line of Credit Adjustable-Rate Mortgage (ARM)

Call (402) 494-2073 for Rate
 
*Risk Based Lending

Lowest rate listed above is for credit score 700 and above, an active checking account with Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union

Credit score 621to 699, add 1% to the lowest rate quoted. Credit score 620 and below, add 2% to the lowest rate quoted. Loan to Value above 80%, add 1% to the lowest rate quoted. HELOC requires automatic payments.

**Annual Percentage Rate
Effective as of: 6-1-2024
 

*Minimum Deposit
Dividend Rate

APY

Term

7 Months (Dividends Paid at Maturity, Nonrenewable) $1,000 5.00% 5.00% 7
12 Months $1,000 3.50% 3.55% 12
24 Months $1,000 3.50% 3.55% 24
36 Months
(One Bump - Up per Term)
$1,000 3.50% 3.55% 36
48 Months $1,000 3.50% 3.55% 48
60 Months $1,000 3.75% 3.80% 60
IRA 12 Months $1,000 3.50% 3.55% 12
IRA 24 Months $1,000 3.50% 3.55% 24
IRA 36 Months
(One Bump - Up per Term)
$1,000 3.50% 3.55% 36
IRA 48 Months $1,000 3.50% 3.55% 48
IRA 60 Months $1,000 3.75% 3.80% 60
All Certificates are allowed a one-time add-on deposit.
APY = Annual Percentage Yield, is accurate as of 06/01/2024.
Rates subject to change after the account is opened. *The 'Minimum Deposit' is required to open the account and earn the disclosed APY.
 **Funds will be transferred to Regular Savings Account at Certificate Maturity.
A penalty is imposed for early withdrawal.
Fees could reduce earnings on these accounts.
Terms are by months.
See 'Truth and Savings' for additional information.
Call (402) 494-2073 for additional savings information.
Effective as of: 03-01-2024
The following fees may be assessed against your account and the following transactions, if any, apply to your account.

  • Replace Lost ATM/Debit card: $7.50
  • Balancing Fee (per hour): $25.00
  • Research Fee (per hour): $25.00
  • Copy of check/by fax: $3.00
  • Replace Lost Credit Card: $7.50
  • Copy of Statement/Account Printout (ea.): $3.00
  • ATM per transaction fee in excess of 6 per month from savings: $1.00
An account is considered dormant if for 12 months no withdrawals or deposits, other than credited dividends, have been made to the account and the balance in the account is less than $500.00. The fee for a dormant account is $5.00 per month.

Early withdrawal on Share Certificates will equal 365 days dividends on the amount withdrawn.

Home banking account is considered inactive if for 6 months it has not been used. The inactive home banking account will be closed.

  • Garnishment/Levies: $75.00
  • Cashier Check: $3.00
  • Return Mail/Statements (monthly): $5.00
  • Each share withdrawal in excess of 3 per quarter (unless balance of $500.00 in any account or have a checking account): $2.00
  • Check Cashing (non-members): $5.00 per $100.00
  • Domestic Incoming and Outgoing Wire Transfer: $25.00
  • ACH return: $23.00
  • ACH - Same Day: $5.00
  • International Wire Transfer: $50.00
  • Counter Checks: $1.25 per check
  • Notary Service (non-member): $5.00
  • Coin Counting (non-member): 10% or $10.00 minimum
  • Mortgage Payoff to Lender: $10.00
  • Gift Card (ea.): $3.00
  • CU Money Card: $5.00
  • Bill Payer (per month): FREE
  • Bill Payer Stop Pays (ea.): $23.00
  • Bill Payer Copy of Check (ea.): $10.00
  • Bill Payer Overnight Check: $15.00
  • Bill Payer Same Day (electronic): $10.00
Common Fees for Checking Accounts
  • Copy of Check/by fax: $3.00
  • Check printing: varies
  • Overdraft (ATM/Debit Card): $23.00
  • Check Overdraft (ea. debit or draft paid) $0.00 to -$5.00 (negative balance):$13.00
  • Check Overdraft (ea. debit/draft paid) -$5.01 and up (negative balance): $23.00
  • Check Non-Sufficient Funds Item (ea.) $0.00 to -$5.00 (negative balance): $13.00
  • Check Non-Sufficient Funds Item (ea.) -$5.01 and up (negative balance): $23.00
  • Courtesy Pay Overdraft Fee (ea.) $0.00 to -$5.00 (negative balance):$13.00
  • Courtesy Pay Overdraft Fee (ea.) $-$5.01 and up (negative balance):  $23.00
  • Stop Payments (all items): $23.00
Regular Checking
  • Monthly maintenance charge: $0.00
  • Security fee (on certain checking accounts): $1.99 monthly
  • ATM per transaction fee in excess of 6 per month: $1.00
Student Checking - Up to age 26
  • Monthly maintenance charge: $0.00
  • ATM per transaction fee in excess of 6 per month: $1.00 
Elite 55
  • Monthly maintenance charge: $0.00
  • Security fee: $1.99 monthly
  • ATM withdrawal fee: $0.00
Non-Profit Checking
  • Monthly maintenance charge: $0.00
  • ATM per transaction fee in excess of 6 per month: $1.00
Small Business Checking
  • Minimum balance fee below $250.00: $5.00
Premier Business Checking
  • Monthly maintenance charge: $5.00
  • ATM per transaction fee in excess of 6 per month: $1.00
  • Debits - checks written (ea.): $0.15
  • Currency per thousand: $0.50
  • Coin per roll: $0.05
A checking account is considered inactive if for 6 months no withdrawals or deposits, other than credited dividends, have been made to the account. The fee for an inactive checking account is $5.00 per month
 
Safe Deposit Box Rental Fees
  • 3 x 5 Box: $20.00
  • 3 x 10 Box: $35.00
  • 5 x 10 Box: $45.00
  • 10 x 10 Box: $75.00
  • Drilling Fee: Actual cost
  • Replacement Key: $10.00
  • Late Fee: $5.00 monthly