Rates | S. Middlesex FCU

Share/Savings Accounts as of June 30, 2025
Share Accounts	.05 Div. Rate	.05 APY *	$5 Minimum
Club Accounts	.05 Div. Rate	.05 APY *	$5 Minimum
Money Market Accounts as of April 1, 2025
TIER 1	1.74 APR	1.75 APR	$2500 Minimum $24999 Maximum
TIER 2	1.98 APR	2.00 APR	$25000 Minimum $74999 Maximum
TIER 3	2.23 APR	2.25 APR	$75000 Minimum
Share Certificate Accounts as of September 23, 2025
6 month CD	3.88 APR	3.95 APY	$1000 Minimum
1 year CD	3.59 APR	3.65 APY	$1000 Minimum
18 month CD	3.49 APR	3.55 APY	$1000 Minimum
2 year CD	3.49 APR	3.55 APY	$1000 Minimum
3 year CD	3.49 APR	3.55 APY	$1000 Minimum
4 year CD	3.54 APR	3.60 APY	$1000 Minimum
5 year CD	3.54 APR	3.60 APY	$1000 Minimum
Share Draft Accounts
Checking (08)	0 APR	0 APY	$5.00 minimum to earn dividend
ANNUAL YIELD = (APY) = ANNUAL PERCENTAGE YIELD. RATE = (APR) = ANNUAL PERCENTAGE RATE. DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE METHOD. DIVIDENDS ARE CALCULATED AND POSTED ON THE LAST DAY OF THE QUARTER, EXCEPT CHECKING, WHICH IS POSTED ON THE LAST DAY OF THE MONTH. NO DIVIDEND IS APPLIED TO ANY ACCOUNT THAT IS CLOSED PRIOR TO THE POSTING DATE. DIVIDENDS ARE PAID FROM AVAILABLE EARNINGS. YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $5.00 IN YOUR ACCOUNT EACH DAY TO EARN A DIVIDEND.
Loan Accounts as of January 1, 2025
Unsecured Loans (Signature) – Personal Loans
First Year in the District	9.95% – 11.95% APR	Up to 60 Months	Maximum $1000 (With cosigner Maximum $3500)
2 or more years in the District	9.95% – 11.95% APR	Up to 60 Months	Maximum $20,000
Secured Loans
Share Secured	Last Div + 2.00% APR, rounded to nearest 1/2%	Maximum term is 10 Years	You may borrow up to 100% of your available Share balance
Auto Loans
New Car	6.25% APR*	up to 84 Months	$0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
Used Car:2024,2023,2022,2021	7.25% APR*	up to 72 Months	$0 Minimum $50,000 Maximum 100% of NADA Retail Value
Used Car 2020,2019,2018,2017	8.25% APR*	up to 48 Months	$0 Minimum $45,000 Maximum 100% of NADA Retail Value
If primary account holder has an Equifax score of 750+ your interest rate will be reduced by .5% Home Equity Loans (Up to 80% loan to value)*
Fixed Rate	6.25% APR	5 Years	$10,000 Minimum $100,000 Maximum
Fixed Rate	6.75% APR	10 Years	$10,000 Minimum $100,000 Maximum
Fixed Rate	7.25% APR	15 Years	$10,000 Minimum $100,000 Maximum
Variable Rate Line of Credit (5 Year Draw Period) Interest only payments required during draw period Only pay on balance you are using	6.75% APR **	20 Years	$10,000 Minimum $100,000 Maximum, **Prime minus .25%. Prime rate is 7.00% as of 10/25. Rate changes when Prime changes.

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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

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