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Current Rates

Current Rates for Savings, Loans, and More

We offer lending and savings products to fit your needs.  Contact a loan officer today to answer any questions you may have.

Rates Effective as of 11/08/21

Apply for a Loan

Apply from your couch using our website or call to schedule an appointment with a loan officer! We offer a variety of loans to fit your needs.

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Loan Calculators

Understanding how rates affect your payments is an important step in reaching your goals. Use these handy loan calculators to plan for your home, commercial or student loan!

Calculators

Credit Cards

Offering a wide array of credit cards to fit your lifestyle.  View the options and apply online today!

View the options

Auto, Motorcycles, Toy Loan Rates

(ATVs, Snowmobiles, Jet Skis, Campers & Trailers)

Terms APR
Up to 36 months as low as 1.99%
37 months – 48 months as low as 2.24%
49 months – 60 months as low as 2.74%
61 months – 72 months as low as 3.24%
73 months – 84 months as low as 3.74%
Boat, Motorhome, RV & Fifth Wheel Loans

New 

Terms APR
Up to 120 months as low as 4.74%
121 months – 144 months as low as 5.24%
145 months – 180 months as low as 5.74%

Used

Terms APR
Up to 120 months as low as 5.49%
121 months – 144 months as low as 6.24%
145 months – 180 months as low as 6.49%
Share Secured Loans
Terms APR
Up to 60 months 5.00%
61 months – 120 months 6.00%
Personal / Signature Loans
Terms APR
Up to 36 months as low as 5.99%
37 months – 60 months as low as 6.99%
Home Equity & Home Equity Line of Credit

Home Equity

Terms APR Restrictions
Member Paid
Closing Costs

2.75% – 60 months

3.25% – 120 months

3.75% – 180 months

Up to 80% of appraised value (les liens)
Maximum $300,00
Credit Union Paid
Closing Costs

3.25% – 60 months

3.75% – 120 months

4.25% – 180 months

Up to 80% of appraised value (less liens)
Maximum $300,00
*If member pays off loan in first three years, member must repay Credit Union closing costs.

Home Equity Line of Credit

APR Restriction

Veriable rate based on Prime Rate

Current rate is 3.25%

Up to 80% of appraised value (less liens)

*Rate may change after account is opened.

Minimum APR is 3.00%
Maximum APR is 18.00%

Member paid closing costs rate is prime, Credit Union paid closing costs rate is prime +0.50%, if member pays off loan in the first three years, member must repay credit union paid closing costs

Mortgages

A mortgage that fits your life.
Our dedicated team of mortgage professionals have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financin
g that fits your life.

Check our current rates here!

Apply now!

Student Loans

Overdraft Line of Credit
APR Restrictions
12.00% maximum $1,000
Business Loans

Syracuse Fire Department Employees Federal Credit Union is a member of CU First Responders Finance (CUFR), a nationwide network of credit unions that provide business and commercial loans.

Learn more and apply here.

 

Savings Rates

Share Savings
Shares APY
Shares 0.20%
Clubs 0.20%

(minimum $100.00)

Term Share Certificate & IRA Rats

(*Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal)

Certificate Name Dividend Rate APY
6-month TSC 0.50% 0.50%
1-year TSC 0.65% 0.65%
18-month TSC 0.70% 0.70%
2-year TSC 0.80% 0.80%
30-months TSC 0.90% 0.90%
3-year TSC 1.00% 1.00%

 

ROTH IRAs Dividend Rate APY
1-year Roth IRA TSC 0.65% 0.65%
18-month Roth IRA TSC 0.70% 0.70%
2-year Roth IRA TSC 0.80% 0.80%
30-months Roth IRA TSC 0.90% 0.90%
3-year Roth IRA TSC 1.00% 1.00%

 

ROTH CONVERSION IRAs Dividend Rate APY
1-year Roth Conversion IRA TSC 0.65% 0.65%

 

TRADITIONAL IRAs Dividend Rate APY
1-year IRA TSC 0.65% 0.65%
18-month IRA TSC 0.70% 0.70%
2-year IRA TSC 0.80% 0.80%
30-months IRA TSC 0.90% 0.90%
3-year IRA TSC 1.00% 1.00%
1-year Traditional Conduit IRA TSC 0.65% 0.65%

 

COVERDELL EDUCATION IRA Dividend Rate APY
$1,500 – $4,999 0.40% 0.40%
$5,000 – $9,999 0.45% 0.45%
$10,000 – $24,999 0.50% 0.50%
$25,000 – $49,000 0.55% 0.55%
$50,000 and over 0.60% 0.60%
Money Markets
Tier APY
Tier 1
($1,500 <= $4,999,99
0.30%

Tier 2
($5,000 <= $9,999.99)

0.30%

Tier 3
($10,000 <= $24,999.99)

0.35%

Tier 4
($25,000 <= $49,999.99)

0.40%

Tier 5
($50,000 & up)

0.45%

*APR = Annual Percentage Rate

Rates are current as of the date posted above and are subject to change without notice. Factors such as credit history, loan term and loan collateral will determine the Annual Percentage Rate you receive. ‘As low as” interest rates listed include a .25 basis point reduction for loans paid by direct deposit. Variable Rate accounts, the rate may change after the account is opened. Fees could reduce the earnings on your account.

Not responsible for typographical errors.