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For Mortgage Rates, visit our Mortgage Center or contact our Mortgage Department at mortgages@securityplusfcu.org or 410-281-6236.

New Auto Loan Rates
Effective Aug 1, 2017
Description Term APR* as low as
New Auto and Truck Purchase/Refinance 36 mo 1.74%
New Auto and Truck Purchase/Refinance 48-60 mo 1.99%
New Auto and Truck Purchase/Refinance 72 mo 1.99%
New Auto and Truck Purchase/Refinance 84 mo 2.99%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Used Auto Loan Rates
Effective Aug 1, 2017
Description Term APR*
Used Auto and Truck Purchase/Refinance 36 mo 2.24%
Used Auto and Truck Purchase/Refinance 48 - 60 mo 2.24%
Used Auto and Truck Purchase/Refinance 72 mo 2.24%
Used Auto and Truck Purchase/Refinance 84 mo 3.24%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Visa Credit Card Rates
Effective Aug 1, 2017
Description Intro APR* Intro Term Standard Variable APR*
Platinum Rewards Visa 4.99% 12 mo† 11.00% - 18%
Platinum Rebate Visa 10.00% - 18%
Student Visa 9.25% - 18%
Share-Secured Visa 9.25% - 18%
Visa Application Disclosure
Visa Agreement & Disclosure
*APR = Annual Percentage Rate. Subject to creditworthiness. The VISA rates adjust quarterly, on the first day of January, April, July and October. The rate applied on those dates is based upon the Prime rate in effect June 20, 2017, and remains in effect until the next change date.

†Platinum Rewards Visa Introductory Offer: 4.99% APR on Balance Transfers and Purchases for 12 months, plus 2,500 bonus points after your first purchase of $100 or more.

Home Equity Loan Rates
Effective Aug 1, 2017
Description Term APR* as low as No Closing Costs APR* as low as
Up to 85% LTV – $10,000 Min. 5 yr 4.50% 6.00%
Up to 85% LTV – $10,000 Min. 10 yr 6.00% 7.00%
Up to 85% LTV – $10,000 Min. 15 yr 6.50% 7.25%
LTV = Loan-to-Value ratio
Choose a lower rate and pay your own closing costs or choose a higher rate with no closing costs.
*APR=Annual Percentage Rate. Subject to creditworthiness. This is a fixed rate loan. Minimum loan amount is $10,000.

Home Equity Line of Credit Rates
Effective Aug 1, 2017
Description Term APR* as low as
Home Equity Line of Credit LTV up to 80% Up to 15 yr 4.25%
Home Equity Line of Credit LTV 81% to 90% Up to 15 yr 5.25%
Home Equity Line of Credit LTV 91% to 100% Up to 15 yr 7.25%
LTV = Loan-to-Value ratio
*APR=Annual Percentage Rate. Subject to creditworthiness. Variable rate tied to Wall Street Journal Prime Rate, which may adjust monthly.The prime rate as of June 20, 2017 is 4.25%. The rate floor for all home equity lines of credit is 3.25% APR. Minimum loan amount is $10,000.

Personal Loan Rates
Effective Aug 1, 2017
Decription Term APR* as low as
Personal Loan Up to 60 mo 8.74%**
Personal Line of Credit Revolving 11.25%***
Quick Cash - $500 or $1,000 6 mo 28.00%
Credit Builder Loan 6 - 36 mo 3.00% above index****
*APR=Annual Percentage Rate. Subject to creditworthiness.
**Rate shown reflects a 0.25% discount for automatic loan repayment.
***The floor rate on Personal Lines of Credit is 5%.
****The annual percentage rate for a Credit Builder Loan is 3.00% above the dividend rate paid on the Share Savings account; dividend rate as of the posted effective date is 0.20%. The rate floor is 3.00%. The APR on existing balances will change on the first day of each month to reflect any changes in the rate being paid on dividends. Any increase will result in additional payments of the same amount. The funds will be visible on your account statement, but you will not be able to access the funds until the loan is paid in full.


Secured Loan Rates
Effective Aug 1, 2017
Description Term APR* as low as
Share-Secured Loan 6-96 mo 3.00% above index**
*APR = Annual Percentage Rate. Subject to credit worthiness.
**The APR for a Share Secured advance will be 3.00% above the dividend rate paid on the shares. The APR on existing balances will change on the first day of each month to reflect any changes in the rate being paid on dividends. Any increase will result in additional payments of the same amount. The rate floor for share secured loans is 4.00% APR.

Recreational Vehicle Loan Rates
Effective Aug 1, 2017
Description Term APR* as low as
New/Used Boats, RVs & Campers Up to 60 mo 3.99%
New/Used Boats, RVs & Campers 61 - 120 mo 4.99%
New Motorcycles Up to 60 mo 1.99%
New Motorcycles 61 - 72 mo 1.99%
Used Motorcycles Up to 60 mo 2.24%
Used Motorcycles 61 - 72 mo 2.24%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Savings Account Rates
Effective Aug 1, 2017
Description Dividend Rate APY* Min Open Deposit
Share Savings Account** 0.20% 0.20% $5
Holiday Club Account*** 0.20% 0.20% $25
Name Your Club Account 0.20% 0.20% $25
*APY = Annual Percentage Yield
**The minimum required to open this account is the purchase of a $5.00 share. If the balance remains below $5.00 in excess of six months, a $1.00 monthly service charge will be assessed. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.
***Transactions are subject to limitations.

IRA & Education Savings Account Rates
Effective Aug 1, 2017
Description Dividend APY* Min Open Deposit
Traditional, Roth or Coverdell Share Account 0.20% 0.20% $25
*APY = Annual Percentage Yield

Certificate Rates
Effective Aug 1, 2017
Type Term Dividend APY*
Share or IRA 5 yr 1.60% 1.61%
Share or IRA 4 yr 1.50% 1.51%
Share or IRA 3 yr 1.20% 1.21%
Share or IRA 2 yr 0.90% 0.90%
Share or IRA 1 yr 0.75% 0.75%
Share 6 mo 0.50% 0.50%
Share 3 mo 0.25% 0.25%
*APY = Annual Percentage Rate. Minimum opening deposit of $1,000, and must be maintained throughout
the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.

Money Market Account Rates
Effective Aug 1, 2017
Description Dividend APY* Min Open Deposit
Money Market Account (MMA) 0.22% 0.22% $1,500
MMA Plus ($5,000 - $49,999.99) 0.25% 0.25% $1,500
MMA Premier ($50,000 - $249,999.99) 0.30% 0.30% $1,500
MMA Prestige ($250,000+) 0.35% 0.35% $1,500
*APY = Annual Percentage Yield.
**The minimum opening deposit required is $1,500 and must be maintained as an average daily balance to obtain the disclosed annual percentage yield. Average daily balances that fall under $1,500, but remain above $500, on any day will receive the checking account annual percentage yield for that day. Average daily balances under $500 will receive no dividends. Transactions are subject to limitations. Dividend rate is subject to change monthly. Please contact a Member Service Representative for details.



General Fees
Description Fee
Membership Fee $5.00
Photocopy of monthly or quarterly statement $5.00
Photocopy of CU cancelled withdrawal/loan check $5.00
Photocopy of other documents $2.00
Stop payment of CU withdrawal/loan check $20.00
Certify CU withdrawal/loan check $5.00
Personal returned check (from acct at another financial institution)* $30.00
3rd party returned checks* $20.00
Returned ACH debit/Bill pay $30.00
Wire transfer (domestic) $15.00
Wire transfer (international) charges to us $40.00
Items for special collections varies
Garnishments $75.00 + attorney fees, if applicable
Mortgage verification $10.00
Travel/Reloadable Card $5.95
Travel/Reloadable Card Reload Fee $4.95
Companion Travel/Reloadable Card Fee $2.95
Return Mail $5.00
Repeat Loan Application Fee $25.00
Automated transfer from Share Savings $1.00
Overdraft Courtesy Pay $30.00
Premium Overdraft Protection Usage Fee $30.00
Special Handling Fee $15.00
Account History Print-outs $5.00
Me-to-Me Transfer (Next Day) $2.00
Popmoney Transfer (Next Day) $2.00
Minimum balance fee for cumulative account balance under $50.00 $1.00 per month
Cashier''s Check — Payable to Multiple Payees, or Payee Other Than Member $3.00/check
Money Order $1.00/order
Pay Collection Account Loan by Credit Card or ACH Charge to Checking $10.00
Inactive Account Fee** $5.00 per month
Dormant Account Fee $20.00
Visa Debit Card Plastic Replacement $5.00
*All returned checks will be automatically redeposited.
**Share Savings Accounts with balances less than $250 and no activity in the last 12 months.

Checking Account Fees
Description Fee
Returned check $30.00
Overdraft Courtesy Pay $30.00
Premium Overdraft Protection Usage Fee $30.00
Microfilm check copy $3.00
Check Copy $3.00
Image fax check copy $5.00
Stop payment $25.00
Stop payment of series $30.00
Certified check $5.00
Reconciling checking account minimum charge (no charge if our error) $15.00
Additional starter checks $10.00
Check printing Varies
Power Checking minimum balance fee for cumulative account balance (loans and deposits) under $10,000 $9.00 per month
Revive Checking monthly fee without at least one ACH credit $5.00 per month

ATM & Point-of-Sale (POS) Fees
Description Fee
Withdrawal on non-Securityplus ATM Fee waived for up to 3 withdrawals from Securityplus checking account per month on non-Securityplus ATMs. $2.00
Inquiry on non-Securityplus  ATM $1.00
Declined transaction on non-Securityplus ATM* $1.00
Checking Free
Savings $1.00
Fees deducted from account from which transaction occurred.
*Fee posted to shares only.

ResponseLine Fee
Description Fee
Replace Personal Access Code (PAC) $5.00

Safe Deposit Box Fees
Description Fee
Small Box (Owings Mills & Woodlawn) $30.00 - annually
Medium Box (Owings Mills & Woodlawn) $60.00 - annually
Large Box (Owings Mills ) $140.00 - annually
Subject to availability.

Visa Credit Card Fees
Description Fee
Replacement Card Fee $5.00
Personal Check $25.00
3rd Party Check $25.00
Minimum Finance Charge (for purchases) None
Late Charges $25.00
Copy of Sales or Cash Advance Slip or Periodic Statement $3.00
Annual Fees None
Transaction Charge None
Cash Advance Fee (Student/Share Secured) $2.50

Life Happens

— No matter what stage of life you’re in, we can help make the ride a little smoother. —

  • There’s a first time for everything, but that doesn’t mean you have to go unprepared. Here are a few firsts that Securityplus can help you with.

  • So you’re ready to make one of the biggest commitments of your life? We’re experts at financing the big day expenses — and beyond.

  • No matter how much you plan, things can still go wrong. During times of unexpected hardship, Securityplus is still willing to help.

  • Whether a new baby or a new pet, a growing family means growing expenses. We can help you prepare for those changes in your budget.

  • Whether you're looking to vacation or you're relocating, Securityplus wants to make sure finances don't stand in your way.

  • You've spent most of your life preparing to retire. Securityplus can help ensure that you are financially equipped to do so comfortably.

InOurcommunity
Join us for our BIGGEST Shred Day Event ever!

Help Securityplus set a Guinness Book World record, and raise funds to benefit Strong City Baltimore, all while preventing ID theft!

Saturday, September 16, 2017
9 am - 3 pm (or until trucks fill)
Camden Yards; Parking Lot H
Join Securityplus Today
If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.
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