Best of All Worlds!
Our basic purpose for existence is to provide our members with financial value. This is most clearly demonstrated with the dividend rates we pay, the loan rates we charge, and the nominal fees we assess. We regularly check competitor pricing and make every effort possible to meet or beat their best rates. We survey common fees in the marketplace and either don't charge a fee for the same or similar product, or charge a fee that is lower - most times, much lower. Product by product, service by service, we are certain you will save money by banking with us.
View our Great Rates on:
We disclose all of ours - do they disclose all of theirs? No surprises, Click here to view our Low Fees.1
Click here for a print-friendly version of our rates.
Auto Loans
| Loan Type | Max. Amt. | Available Financed Amt. | Max. Term | APR* |
New Auto/Truck 2008 models |
$50,000 |
100% of price of vehicle |
up to 60 months 72 months |
5.25% 5.50% |
Used Auto/Truck 2004-2007 models |
$50,000 |
100% of NADA retail value |
60 months |
5.79% |
Used Auto/Truck 2001-2003 models |
$50,000 |
100% of NADA retail value |
54 months |
5.99% |
Youth Auto Loan |
Contact STE Credit Union for details |
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Recreational Vehicle Loans |
Contact STE Credit Union for details |
Home Equity Loans
| Loan Type | Max. Amt. | Available Financed Amt. | Max. Term | APR* |
Home Equity line of credit |
$75,000 |
Up to 100% of appraised value less mortgage balance |
15 years |
†Variable rate set by prime Up to 80% LTV = prime 81% + LTV = Prime + 1 |
Home Equity fixed rate |
$75,000 |
Up to 100% of appraised value less mortgage balance |
10 years |
Rates as low as 6.49% |
First Mortgage |
Contact STE Credit Union for details |
30 years |
Changes daily |
Personal Loans
| Loan Type | Max. Amt. | Available Financed Amt. | Max. Term | APR* |
Unsecured (Signature) |
$10,000 aggregate of unsecured loan types |
Maximum based on member's credit & income |
36 months |
11.99% |
Quick cash loans |
Open |
11.99% |
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Overdraft protection loan |
Open |
11.99% |
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VISA |
Open |
11.90% |
Savings Accounts2
| Type | Initial Deposit | Terms | APR* | APY** |
SHARES |
$50-999 $1,000-9,999 $10,000-19,999 $20,000 & over |
.040% 0.60% 0.90% 1.04% |
0.40% 0.60% 0.90% 1.05% |
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CERTIFICATES Jumbo 12 mo. Fixed 6 mo. Fixed Second Chance Second Chance 12 mo. Fixed Traditional Traditional |
$100,000 min. $10,000 min. $10,000 min. $5,000 min. $5,000 min. $5,000 min. $1,000 min. $1,000 min. |
12 months 12 months 6 months 24 months 12 months 12 months 12 months 6 months |
2.96% 2.62% 2.52% 2.47% 2.23% 2.28% 2.08% 1.98% |
3.00% 2.65% 2.55% 2.50% 2.25% 2.30% 2.10% 2.00% |
IRA IRA Certificate |
No minimum $5,000 minimum |
No minimum 12 months |
1.24% 2.23% |
1.25% 2.25% |
CHRISTMAS CLUB3 |
No minimum |
No minimum |
0.500% |
0.50% |
Click here for Loan Calculators.
*APR=Annual Percentage Rate
** APY= Annual Percentage Yield
Rates subject to change without notice
1 Fees may reduce earnings.
2 Certificate rates are rounded to nearest .001. Certificate yields are based on dividends posted to certificate. Penalty for early withdrawal.
3 Dividend paid at disbursement. No withdrawals until disbursement date. No dividend paid on early withdrawal.
† Prime as reported in the Wall Street Journal. Applicable rate adjustments occur quarterly on the 1st of March, June, September, and December. Closing costs are between $350.00 and $600.00. Maximum APR is 18%. Initial draw on Home Equity Line of Credit $5,000.00, each minimum draw thereafter $500.00. Annual service fee of $35.00 applies.
