Rates & Fees

As a not-for-profit financial institution, we proudly offer our members better rates and fewer fees.

Lending Rates
Dividend Rates
Fees

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

New Auto Loan Rates

Effective Sep 30, 2023

Description	Term	APR^* as low as
New Auto and Truck Purchase/Refinance	up to 36 mo	5.99%
New Auto and Truck Purchase/Refinance	37-60 mo	6.99%
New Auto and Truck Purchase/Refinance	61-72 mo	8.24%
New Auto and Truck Purchase/Refinance	73-84 mo	9.24%

^*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.

Used Auto Loan Rates

Effective Sep 30, 2023

Description	Term	APR^* as low as
Used Auto and Truck Purchase/Refinance	up to 36 mo	6.24%
Used Auto and Truck Purchase/Refinance	37-60 mo	7.24%
Used Auto and Truck Purchase/Refinance	61-72 mo	8.49%
Used Auto and Truck Purchase/Refinance	73-84 mo	9.49%

Visa Credit Card Rates

Effective Sep 30, 2023

Description	Intro APR^*	Intro Term	Standard Variable APR^*
Platinum Rewards Visa	4.99%	Balance Transfers & Purchases for 12 months, and 2,500 bonus points after the first purchase of $100 or more.	15.00% - 18.00%
Signature Rewards Visa	0% on Purchases and Balance Transfers	12 Months	16.25% - 17.99%
Student Visa	—	—	13.25%
Share-Secured Visa	—	—	13.25%

^*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 May 04, 2023 and remains in effect until the next change date.

Platinum, Student and Share-Secured Visa Application DisclosureOpens in New Window

Visa Signature Rewards Application DisclosureOpens in New Window

Home Equity Loan Rates

Effective Sep 30, 2023

Description	Term	APR^* as low as	No Closing Costs APR^* as low as
Up to 85% LTV – $10,000 Min.	5 yr	6.00%	7.50%
Up to 85% LTV – $10,000 Min.	10 yr	7.50%	8.50%
Up to 85% LTV – $10,000 Min.	15 yr	8.00%	9.00%

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 Sep 30, 2023

LTV	Term	APR^* as low as	Introductory Offer
Up to 80%	Up to 15 yr	8.50%	Fixed 12-month 3.99% APR^*
81% to 90%	Up to 15 yr	9.50%	Fixed 12-month 3.99% APR^*
91% to 100%	Up to 15 yr	11.50%	Fixed 12-month 3.99% APR^*

LTV=Loan-to-Value ratio ^*APR = Annual Percentage Rate. Subject to creditworthiness. Introductory rate will be fixed for 12 months. The standard, post-introductory APR will be a variable rate tied to the Wall Street Journal Prime Rate, which may adjust monthly. The prime rate as of July 26, 2023 is 8.50%. The rate floor for all home equity lines of credit is 8.50% APR. Minimum loan amount is $10,000.

Personal Loan Rates

Effective Sep 30, 2023

Description	Term	APR^* as low as
Personal Loan	12 to 36 mo	9.99%^**
Personal Loan	37 to 60 mo	10.49%^**
Personal Line of Credit	Revolving	15.25%^***
Quick Cash - $500 or $1,000	6 mo	28.00%
Credit Builder Loan	6 - 36 mo	3.10% 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 5.00%.

^****The APR for a Credit Builder Loan is 3.10% above the dividend rate paid on a Share Savings Account

Secured Loan Rates

Effective Sep 30, 2023

Description	Term	APR^* as low as
Share-Secured Loan	6-96 mo	3.10% above index^**

^*APR = Annual Percentage Rate. Subject to credit worthiness.
^**The APR for a Share Secured advance will be 3.10% 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 Sep 30, 2023

Description	Term	APR^* as low as
New/Used RVs, Campers & Boats	up to 72 mo	7.49%
New/Used RVs, Campers & Boats	73 - 120 mo	7.99%
New/Used RVs, Campers & Boats ($75,000 min)	121 - 180 mo	8.24%
New Motorcycles	Up to 60 mo	6.99%
New Motorcycles	61 - 72 mo	8.24%
Used Motorcycles	Up to 60 mo	7.24%
Used Motorcycles	61 - 72 mo	8.49%

Savings Account Rates

Effective Sep 30, 2023

Description	Dividend Rate	APY^*	Min Open Deposit
Share Savings Account^**	0.10%	0.10%	$5
Youth Savings Account**	0.10%	0.10%	$5
Holiday Club Account^***	0.10%	0.10%	$25
Name Your Club Account	0.10%	0.10%	$25

^*APY = Annual Percentage Yield
^**The minimum required to open this account is the purchase of a $5.00 share. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.
***Transactions are subject to limitations.

Checking Rates

Effective Sep 30, 2023

Description	Dividend	APY^*	Min Open Deposit
Revive Checking	0.00%	0.00%	$25
Cash Back Checking	0.00%	0.00%	$0
Xceptional Checking	2.96%	3.00%^*	$0

*APY = Annual Percentage Yield. For Xceptional Checking, dividends are calculated using the daily balance method which applies a daily periodic rate to the principal each day. Members who meet the monthly requirements will receive an APY of 0.70% on balances over $10,000. Members who do not meet the monthly requirements to receive the 3% APY will receive an APY of 0.05% on their checking account balance. Rates subject to change. Debit card purchases for Xceptional Checking and Cash Back Checking must have been posted prior to the last day of the month to count towards the 15 purchase minimum for that particular month, purchases made but still pending are not counted.

Education Savings Account Rates

Effective Sep 30, 2023

Description	Dividend	APY^*	Min Open Deposit
Coverdell Share Account	0.10%	0.10%	$25

^*APY = Annual Percentage Yield

Certificate Rates

Effective Sep 30, 2023

Term†	Dividend	APY^*
5 yr	2.72%	2.75%
4 yr	2.72%	2.75%
3 yr	2.72%	2.75%
2 yr	2.96%	3.00%
1 yr	3.44%	3.50%
6 mo	0.60%	0.60%
3 mo	0.40%	0.40%

^*APY = Annual Percentage Yield. 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. †Personal account certificates 12 months and longer are available as share or IRA.

Money Market Account Rates

Effective Sep 30, 2023

Description	Dividend	APY^*	Min Open Deposit
Money Market Account (MMA)	0.10%	0.10%	$1,500
MMA Plus ($5,000 - $49,999.99)	0.15%	0.15%	$1,500
MMA Premier ($50,000 - $249,999.99)	0.20%	0.20%	$1,500
MMA Prestige ($250,000+)	0.25%	0.25%	$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

Effective Sep 30, 2023

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
Cashier's Check — Payable to Multiple Payees, or Payee Other Than Member	$3.00/check
Money Order	$1.00/order
Pay Loan or Visa by Credit Card or Debit Card	$0.00
Inactive Account Fee^**	$5.00 per month
Dormant Account Fee	$20.00
Visa Debit Card Plastic Replacement	$10.00
Duplicate Lien Request	$25.00
Subordination Agreement Processing	$75.00

^*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

Effective Sep 30, 2023

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
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

Effective Sep 30, 2023

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

Effective Sep 30, 2023

Description	Fee
Replace Personal Access Code (PAC)	$5.00

Safe Deposit Box Fees

Effective Sep 30, 2023

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

Effective Sep 30, 2023

Description	Fee
Replacement Card Fee	$10.00
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

Rates & Fees

As a not-for-profit financial institution, we proudly offer our members better rates and fewer fees.

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