Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 12/01/2024.
Southeastern Cash*
| Balance | Minimum Opening Deposit | Rate | APY** |
|---|---|---|---|
| 0 - $20,000 | $100 | % | % |
| $20,000+ | $100 | % | % to % |
| All balances if qualifications not met | $100 | % | % |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Southeastern Cash account during each Monthly Qualification Cycle:
- At least 15 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
That's it. Even if you don't meet your qualifications during the cycle, your Southeastern Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!
Southeastern Saver*
| Minimum Opening Deposit | Rate | APY** |
|---|---|---|
| $100 | 1.49% | 1.50% |
Share Certificates
*Annual Percentage Yield. Rates are subject to change without notice. Dividends may be paid quarterly or at maturity; 3 Month and 6 Month certificates are based on simple dividend calculation, all other certificates are compounded quarterly. A $500 minimum deposit is required on all certificates. Early withdrawal penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms.
Share Savings / Checking / Money Market Rates
**Annual Percentage Yield. Rates are subject to change without notice. Please contact the Credit Union for information on applicable fees and terms.
For additional information regarding the above accounts, please refer to the Fee Schedule.
Auto or Light Truck
| Model Year | Term | APR* as low as |
|---|---|---|
| New (24 or 23 only) | up to 84 months | % |
| 2024, 2023, 2022 | up to 75 months | % |
| 2021, 2020 | up to 66 months | % |
| 2019, 2018 | up to 60 months | % |
| 2017, 2016 | up to 48 months | % |
| 2015, 2014 | up to 36 months | % |
*Rates quoted are for well-qualified buyers. The actual rate and term is determined by credit worthiness and ability to repay. Down payment requirements are subject to collateral age and value. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact Southeastern Credit Union for additional rates and terms.
Payment Example: A $35,000 loan with no money down at 3.85% for 72 months would require 71 monthly payments of $545.50 and a final payment of $522.85, finance charge of $4,253.35, for total payments of $39,253.35. The amount financed is $35,000.00, the APR is 3.85%.
Recreational Vehicles
| Vehicle Type | Term | APR* as low as |
|---|---|---|
| New Motorcycles | up to 60 months | % |
| Used Motorcycles | up to 48 months | % |
| New Boat, Mtr, Trl | up to 60 months | % |
| Used Boat, Mtr, Trl | up to 48 months | % |
| New Motor Home RV/Travel Trl (New/Used) | up to 120 months | % |
| Used Motor Home RV/Travel Trl (New/Used) | up to 108 months | % |
| New ATV/Jet Ski/other | up to 60 months | % |
| Used ATV/Jet Ski/other | up to 48 months | % |
*Rates quoted are for well-qualified buyers. The actual rate and term is determined by credit worthiness and ability to repay. Down payment requirements are subject to collateral age and value. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact Southeastern Credit Union for additional rates and terms.
Payment Example: A $15,000 loan with no money down at 5.50% for 48 months would require 47 monthly payments of $349.06 and a final payment of $338.20, finance charge of $1,744.02, for total payments of $16,744.02. The amount financed is $15,000.00, the APR is 5.50%.
Miscellaneous Loans
| Loan Type | Max. Term | APR* |
|---|---|---|
| Share Secured | 36 month (120 month amortization) | % |
| Certificate Secured | Certificate Maturity | Cert Rate + % |
Credit Cards
| Credit Cards | Visa Platinum |
|---|---|
| Annual Percentage Rate | %* |
| Cash Advance APRs | %* |
| Balance Transfer APRs | %* |
| Line of Credit | Up to $20,000 |
| Method of Computing the Balance for Purchases | Average Daily Balance Including New Purchases |
| Annual Fee | No |
| Minimum Finance Charge | No |
| Cash Advance and Balance Transfer Fee | % |
| Grace Period For Purchase | 25 Days |
| Returned Payment Fee | Up to $25.00 |
| Late Payment Fee | Up to $15.00 |
| Rate Increase for Balance Transfers or Cash Advances | No |
*Rates quoted are for well-qualified buyers. The actual rate and term is determined by credit worthiness and ability to repay. All loans subject to credit approval. Rates, terms and conditions subject to change without notice. Contact Southeastern Credit Union for additional rates and terms.
Live life on your terms. We'll work with you to find the financing you need - and deserve.