Current Rates

Effective as of: 10-01-2021
 
Loan Type APR
2019 - 2022
Vehicles, Motorcycles and Boats
*1.99% - 7.49%
2018 Vehicles, Motorcycles and Boats *2.99% - 8.49%
2016 - 2017 Vehicles, Motorcycles and Boats *3.25% - 8.75%
2014 - 2015 Vehicles, Motorcycles and Boats *4.25% - 9.75%
2013 Vehicles, Motorcycles and Boats *5.00% - 10.50%
2011 - 2012 Vehicles, Motorcycles and Boats *6.00% - 11.50%
2009 - 2010 Vehicles, Motorcycles and Boats *8.00% - 13.50%


Extended Terms on Boats and Campers APR
2016 - New (80% MSRP/NADA, Minimum loan amount $25,000) Add 3% to rates above
2011 - New (90% NADA Retail, Minimum loan amount $20,000) Add 2% to rates above


Non-Titled Collateral APR
2013 - New (100% MSRP/Value) Add 2% to rates above
2009 - 2012 (100% MSRP/Value) Add 2% to rates above


Loan Type APR
Personal *12.00% - 16.00%2
Line of Credit / Overdraft Protection 17.00%
Rewards Visa Credit Card
Disclosure
9.49%

Share Certificate secured loan rates, add 3% above current annual percentage yield.

** Special terms apply, please call (402) 494-2073
 
*Risk Based Lending
Lowest rate listed above is for credit score 700 and above, an active checking account or direct deposit to Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union. Credit score 641 to 699, add 1% to the lowest rate quoted. Credit score 621 to 640, add 2% to the lowest rate quoted. Credit score 620 and below, add 4% to the lowest rate quoted. For an extended term, 6 months add 0.50%, longer than 6 months add 1.00% to the lowest rate quoted. 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.

(All scores are based on the Empirca scoring model from TransUnion.)
 
All rates and terms are subject to change.
  • Rates listed do not apply for commercial vehicles
  • Applicable rates
Effective as of: 10/01/2021

Share Savings


*Minimum Deposit **Minimum Balance
Dividend Rate
 
APY
 
Regular Savings (Dividends paid 06/30/2021) $10 $0.01 0.10% 0.10%
Checking Accounts $25 $0.01 - $24,999 0.05% 0.05%
Checking Accounts $25 $25,000 - Over 0.10% 0.10%
Money Market $1,000 $0.01 - 999 0.10% 0.10%
Money Market $1,000 $1,000 - Over 0.15% 0.15%
CU $mart $avers
(under age 18)
$10 $0.01 0.10% 0.10%
Christmas Savings $10 $0.01 0.10% 0.10%
Variable IRA Savings $100 $0.01 - Over 0.10% 0.10%

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.
Effective as of: 03/13/2020

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.

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

TERM RATE APR PRINCIPAL AND INTEREST PAYMENT
10 Year *Call for Rates **

Home Equity Line of Credit Adjustable Rate Mortgage

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 641to 699, add 1% to the lowest rate quoted. Credit score 621 to 640, add 2% to the lowest rate quoted. Credit score 620 and below, add 4% to the lowest rate quoted. Loan to Value above 80%, add 1% to the lowest rate quoted. For coupon book payment, add 0.50% to the lowest rate quoted for 2nd mortgage only, HELOC requires automatic payments. For ACH payment, add 0.25% to the lowest rate quoted for 2nd mortgage only, HELOC requires automatic payment

**Annual Percentage Rate
Effective as of: 10/01/2021

*Minimum Deposit
Dividend Rate

APY

TERM

6 Months $1,000 0.20% 0.20% 6
12 Months $1,000 0.25% 0.25% 12
24 Months $1,000 0.30% 0.30% 24
36 Months
(One Bump - Up per Term)
$1,000 0.35% 0.35% 36
48 Months $1,000 0.40% 0.40% 48
60 Months $1,000 0.45% 0.45% 60
IRA 12 Months $1,000 0.25% 0.25% 12
IRA 24 Months $1,000 0.30% 0.30% 24
IRA 36 Months
(One Bump - Up per Term)
$1,000 0.35% 0.35% 36
IRA 48 Months $1,000 0.40% 0.40% 48
IRA 60 Months $1,000 0.45% 0.45% 30

ALL CERTIFICATES ARE ALLOWED A ONE TIME ADD-ON DEPOSIT

APY = Annual Percentage Yield, is accurate as of 10/01/2021

Rates subject to change after the account is opened.

*The 'Minimum Deposit' is required to open the account and earn the disclosed APY.

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: 03-01-2021

The following fees may be assessed against your account and the following transactions, if any, apply to your account.

  • Personalized Debit Card: $15.00
  • 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
  • Deposit item/ACH Originated returned (ea.): $8.00
  • 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 $15.00 per quarter.

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): $3.00 per $100.00
  • Domestic Incoming and Outgoing Wire Transfer: $15.00
  • ACH return: $23.00
  • ACH - Same Day: $5.00
  • Counter Checks (first eight free): $1.00 per 4 checks
  • 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
  • A2A: $0.50 (ea.)
  • Popmoney (send 3 day delivery): $0.00 (ea.)
  • Popmoney (send next day delivery): $0.00 (ea.)
  • Popmoney (request 3 day delivery): $0.00 (ea.)
  • Popmoney Stop Pay: $0.00
Common Fees for Checking Accounts
  • Copy of Check/by fax: $3.00
  • Deposit Item/ACH Originated Returned (each): $8.00
  • 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
Military Freedom Checking (No longer offered)
  • Monthly maintenance charge: $0.00
  • Security fee: $1.99 monthly
  • ATM withdrawal fee: $0.00
Rewards Checking (No longer offered)
Must have a $25,000 certificate with SFCU
  • 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
  • ATM per transaction fee in excess of 6 per month: $1.00
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: $150.00
  • Replacement Key: $10.00
  • Late Fee: $5.00 monthly