Rates

Savings

Rates currently in effect as of November 23, 2024, subject to change at any time without prior notice.

The annual percentage yield is accurate as of the last dividend declaration date.

** For current rates on all our products call the Credit Union.**

 
Dividends accrued daily, paid quarterly. Dividends on Money Market account accrued daily, paid monthly.
Fees could reduce the earnings on share accounts.
 

*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit.

Transactional Accounts
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Type APY* Rate Minimum Balance Withdrawal Limit
Regular Shares

0.50%

0.50%

 $50.00 None
Share Drafts

**

**

 $500.00
in Reg Share Acct		 None
Business Draft

**

**

$1,050.00
 in Reg Share Acct

 None
Escrow

**

**

 None Credit Union Only
Money Market

1.51%

1.50%

 $2,500.00 6 per month



Share Certificates

Dividends accrued daily, paid quarterly for all maturities except on 3 and 6 month certificates.
Dividends on 3 and 6 month certificates are paid at maturity.
 

*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit until maturity of share certificate. A penalty will be imposed upon early withdrawal. 

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Term APY* Rate Minimum Balance Early Withdrawal Penalty
3 Months

2.27%

2.25%

 $500.00 30 Days Dividends
6 Months

4.60%

4.50%

 $500.00 30 Days Dividends
9 Months

2.27%

2.25%

 $500.00 90 Days Dividends
1 Year

4.08%

4.00%

 $500.00 90 Days Dividends
1 ½ Years

3.56%

3.50%

 $500.00 90 Days Dividends
2 Years

3.61%

3.55%

 $500.00 90 Days Dividends
2 ½ Years

3.66%

3.60%

 $500.00 90 Days Dividends
3 Years

3.71%

3.65%

 $500.00 90 Days Dividends
4 Years

3.76%

3.70%

 $500.00 180 Days Dividends
5 Years

3.82%

3.75%

 $500.00 180 Days Dividends



Individual Retirement Accounts
(IRAs)

Dividends accrued daily, paid quarterly.

*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit. 

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Type APY* Rate Minimum Balance Withdrawal Limit
Traditional

4.08%

4.00%

 None None
Roth

4.08%

4.00%

 None None
Coverdell
(CESA)

4.08%

4.00%

 None None


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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Mortgages

Rates currently in effect as of November 23, 2024, subject to change at any time and without prior notice. 

Payment examples do not include applicable taxes and insurance.  Actual payment obligation will be higher than shown.
Other restrictions may apply.

First Mortgage 1-4 Family Owner Occupied 
Fixed Rate - No Points
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Term Rate APR Cost per $1,000
10-Year Fixed 5.500% 5.614% $10.85
12-Year Fixed 5.625% 5.733%  $9.56
15-Year Fixed 5.875% 5.966% $8.37
20-Year Fixed 6.000% 6.074% $7.16
25-Year Fixed
 6.250% 6.314% $6.60
30-Year Fixed 6.375% 6.433% $6.24
10-Year Balloon
(2o-Year Payout)		 6.075% 6.206% $6.30
12-Year Balloon
(25-Year Payout)		 6.275% 6.388% $5.52


First Mortgage 1-4 Family Owner Occupied 
 Adjustable Rate - No Points
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Term Rate APR Cost per $1,000
1-Year ARM
(30-Year Payout)		 5.700% 6.177% $5.80
3-Year ARM
(30-Year Payout)		 5.700% 6.225% $5.80
5-Year ARM
(30-Year Payout)		 5.750% 6.290% $5.84
7-Year ARM
(28-Year Payout)		 5.950% 6.289%
$6.12
3-Year Fixed/1-Year ARM
(30-Year Payout)		 5.700% 6.203% $5.80
5-Year Fixed/1-Year ARM
(30-Year Payout)		 5.750% 6.139% $5.84
7-Year Fixed/1-Year ARM
(30-Year Payout)
5.875%
 6.259% $5.91


Cooperative/Condominium/Town Houses 
 Fixed Rates - No Points
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Term Rate APR Cost per $1,000
10-Year Fixed 5.550% 5.676% $10.88
12-Year Fixed 5.675% 5.783% $9.59
15-Year Fixed 5.925% 6.017% $8.40
20-Year Fixed 6.050% 6.124% $7.19
25-Year Fixed 6.300% 6.365% $6.63
30-Year Fixed 6.425% 6.483% $6.27
10-Year Balloon
(20-Year Payout)		 6.125% 6.261% $6.33
12-Year Balloon
(25-Year Payout)		 6.325% 6.444% $5.54


Cooperative/Condominium/Town Houses 
 Adjustable Rates - No Points
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Term Rate APR Cost per $1,000
1-Year ARM
(30-Year Payout)		 5.750% 6.182% $5.84
3-Year ARM
(30-Year Payout)		 5.750% 6.238% $5.84
5-Year ARM
(30-Year Payout)		 5.800% 6.310% $5.87
7-Year ARM
(28-Year Payout)		 6.000% 6.316% $6.15
3-Year Fixed/1-Year ARM
(30-Year Payout)		 5.750% 6.216% $5.84
5-Year Fixed/1-Year ARM
(30-Year Payout)		 5.800% 6.159% $5.87
7-Year Fixed/1-Year ARM
(30-Year Payout)		 5.925% 6.285% $5.95


Residential Second Mortgage* Rates
No Points
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Term Rate APR Cost per $1,000
10-Year Fixed 7.25% 7.328% $11.74 
15-Year Fixed 7.38%
 7.436%  $9.20

*Please call the Loan Department for further information.


Jumbo Mortgages

Jumbo mortgages are available at the same rates as listed above.

Please inquire with the Loan Department.

 

Commercial Mortgage Rates currently in effect as of November 23, 2024.

Rates are subject to change at any time and without prior notice.

Commercial Mortgages*
Investment Property - No Points
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Description Rate
Up to 10-Years Fixed
(Amortization up to 30-Years)		 From 6.375%
Adjustable Rates From 5.775%

*Please call the Loan Department for further information.


Commercial Mortgages* 
 5-8 Families - No Points
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Description Rate
Fixed Rates
(Amortization up to 30-Years)
 From 6.250%
Adjustable Rates From 6.000%

*Please call the Loan Department for further information.


Investment Property Mortgages*
Non-Owner Occupied 1-4 Families - No Points
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Description Rate
Fixed Rates
(Amortization up to 30-Years)
 From 6.250%
Adjustable Rates From 6.000%

*Please call the Loan Department for further information. 

 


Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Personal Loans


Rates currently in effect as of November 23, 2024, subject to change at any time without prior notice. 

*For Secured Loans, the loan rate is tied to the share rate at time of closing.

Secured by Regular Shares

Terms available up to 5 years
Savings Share rate + 2.25%


Secured by Money Market Share
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Terms available up to 5 years
Money Market Share rate + 2.25%


Secured by Share Certificates
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Flexible terms available up to 5 years
Share Certificate rate + 2.25%


Unsecured Personal Loans
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Term APR Cost per $1,000
Up to 36 Months 12.00% $33.21
37-60 Months 12.25% $22.37



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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Auto Loans


Rates currently in effect as of November 23, 2024, subject to change at any time without prior notice.

New Auto
Loans up to 80% of Purchase Price, $75,000 max per loan
Term APR Cost per $1,000
12 Months 3.99% $85.14
24 Months 3.99% $43.42
36 Months 3.99% $29.52
48 Months 3.99% $22.57
60 Months 3.99% $18.41


Used Auto
Loans up to 80% of Purchase Price, $40,000 max per loan; 
2020 or newer models
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Term APR Cost per $1,000
2020 - 36 Months max 5.00% $29.97
2021 - 36 Months max 5.00% $29.97
2022 - 48 Months max  4.50% $22.80
2023 - 48 Months max 4.50% $22.80


New Car Refinancing
Up to 18 months old - Original Owner/Dealer Certified

Same Rates as New Cars.



Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Self Reliance New York FCU Student Loans

Rates currently in effect as of November 23, 2024, subject to change at any time without prior notice.


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Term APR Cost per $1,000
Up to 60 Months 7.80% $20.18



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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

VISA Credit Cards - No Annual Fees

Rates currently in effect as of November 23, 2024, subject to change at any time without prior notice.


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Description APR
Visa Classic 9.95%
Visa Gold 9.50%
Visa Platinum 8.90%