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Loan Application Rates & Fees   Click here for the latest Money Sense newsletter  
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Rates & Fees
The Credit Union offers competitive rates on our loans, as well as our deposit accounts.
Consumer Loan Rates
| New or Used Autos (36 months or less) - New Money Only | 2.49% - 12.49% APR |
| New or Used Autos (60 months or less) - New Money Only | 2.99% - 12.99% APR |
| New or Used Autos (72 months or less) - New Money Only | 3.25% - 13.25% APR |
| New Autos (84 months or less) | 3.75% - 13.75% APR |
| Older Used Autos (48 months or less) | 5.50% - 13.50% APR |
| Classic Used Autos (72 months or less) | 8.25% - 16.25% APR |
| Line of Credit *No minimum finance charge. *Rate is not variable *No annual fee. |
10.50% - 18.00% APR |
| PSL (up to 60 months) | 11.50% - 18.00% APR |
| Share (up to 120 months) | share rate plus 2.50% |
| Furniture & Appliance (60 months or less) | 10.75% - 18.00% APR |
| Boats (60 months or less) | 4.00% - 14.00% APR |
| Boats (72 months or less) | 4.50% - 14.50% APR |
| Boats (84 months or less) | 5.00% - 15.00% APR |
| Boats (120 months or less) | 6.25% - 16.25% APR |
| Motorcycles/Four Wheelers (60 months or less) | 4.00% - 14.00% APR |
| Motorcycles (72 months or less) | 4.50% - 14.50% APR |
| Vacation (up to 12 months) | 11.50% - 18.00% APR |
| Education (up to 48 months) | 7.00% - 15.00% APR |
| Stock (up to 60 months) | 6.75% - 14.75% APR |
| Term Share Certificate | certificate rate plus 2.50% |
| Tractors (84 months or less) | 7.25% - 15.25% APR |
| Stock Trailers (84 months or less) | 7.25% - 15.25% APR |
| RVs (60 months or less) | 5.00% - 15.00% APR |
| RVs (72 months or less) | 5.50% - 15.50% APR |
| RVs (84 months or less) | 5.75% - 15.75% APR |
| RVs (120 months or less) | 6.25% - 16.25% APR |
| RVs (144 months or less) | 6.50% - 16.50% APR |
| Standard/Gold/Platinum MasterCard *No minimum finance charge. *Rate is not variable. *No annual fee. |
8.90% - 14.90% APR |
APR indicates annual percentage rate. Monthly payment amount approximately $18.83 on $1,000 for 60 months at 4.90% APR. Loans available to qualified members only.
Rates accurate as of 1/25/2012 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email (sabinefcu@sabinefcu.org) Real Estate Loan Rates
| Note Rate | APR | |
| Home Mortgages | Click here for rates | |
| Home Equity | Click here for rates | |
| Land (7 years and below) | 6.00% | 6.553% |
| Land (10 years and below) | 6.50% | 6.915% |
| Land (15 years; $30,000 and over) | 6.50% | 6.795% |
| Home Improvement (up to 5 years) as low as | 4.75% | 4.9773%* |
| Home Improvement (up to 7 years) as low as | 5.50% | 5.6675% * |
| Home Improvement (up to 10 years) as low as | 6.00% | 6.1224%* |
| Home Improvement (up to 12 years offered for first lien only) | 7.75% | 7.859%* |
| Rental / Investment Property (up to 10 years) Maximum loan amount $50,000 |
6.50% | 6.907% |
| Rental / Investment Property (up to 15 years) Maximum loan amount $50,000 |
7.25% | 7.548% |
* Add 1.00% if not first lien
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $30,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.
Rates accurate as of 1/25/2012 and are subject to change at any time
without notice. Rates may vary based on credit history. For the most
current rates, please contact the Credit Union at 409-988-1300 or
1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange,
Texas 77631-3000) or by email (sabinefcu@sabinefcu.org)
Deposit Account Rates
| Share (with minimum balance of $5) (minimum opening deposit $5) (Rates may change after account is opened.) |
.25% APY |
| Share Draft (with minimum balance of $2,500) (minimum opening deposit $50) (Rate may change after account is opened.) |
.15% APY |
| IRA (with minimum balance of $5) (minimum opening deposit $5) (Rate may change after account is opened.) |
.80% APY |
| Christmas Club (with minimum balance of $5) (minimum opening deposit $5) |
.25% APY |
| Term Share Certificates - 6 mos (with minimum balance of $1,000) (minimum opening deposit $1,000) 30 day penalty will be imposed for early withdrawal. |
.65% APY |
| Term Share Certificates - 12 mos (with minimum balance of $1,000) (minimum opening deposit $1,000) 90 penalty will be imposed for early withdrawal. |
.80% APY |
| Term Share Certificates - 18 mos (with minimum balance of $1,000) (minimum opening deposit $1,000) 120 day penalty will be imposed for early withdrawal. |
1.00% APY |
Rates accurate as of 1/25/2012 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email (sabinefcu@sabinefcu.org)
Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA - National Credit Union Administration, a U.S. Government Agency.
Schedule of Fees
Fees are accurate as of 5/10/11 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or toll-free 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email (sabinefcu@sabinefcu.org).
| Share Draft Account Fees: | |
| Overdraft Protection | $3 per transaction (transfer from savings to checking) |
| Paid or Returned NSF | $25 |
| Paid or Returned Overdraft Privilege | $25 |
| Stop Payments | $25 |
| Temporary Checks | $1 / set |
| Check Orders | Prices vary depending upon style |
| Commercial Share Draft | $12 per month |
| Draft Copy | 2 free copies per statement; $2 per copy thereafter |
| Account Printout | $1 |
| Statement Copy | $1 |
| Other Fees: | |
| Returned Mail | $5 per statement per quarter |
| Collection Item | $10 |
| Inactive Account | $10 per quarter if inactive 2 years |
| Account Reconciliation | $10 per hour |
| Account Research | $10 per hour |
| Domestic Wire Transfer | $15 |
| Foreign Wire Transfer | $35 |
| Cashier's Check | $3 |
| Money Order | $1 |
| Travelers Check | $1% of purchase amount; $20 maximum |
| Returned Deposit Item | $3 per charged back item |
| Teller Check | $1 |
| Late Loan | 5% of payment |
| Visa Gift Card | $3 |
| Electronic Funds Transfer Fees | |
| Nonproprietary Visa Check Card/ATM Withdrawal | $1.50 |
| Nonproprietary Visa Check Card/ATM Balance Inquiry | $1 |
| Nonproprietary Visa Check Card/ATM Transfter | $1 |
| Visa Check Card/ATM Card Reissue | $5 |
| Visa Check Card/ATM PIN Charge | $2 (excluding new cards) |
| Safe Deposit Box Fees: | |
| 3 x 5 Safe Deposit Box | $20 |
| 3 x 10 Safe Deposit Box | $30 |
| 5 x 10 Safe Deposit Box | $40 |
| 10 x 10 Safe Deposit Box | $65 |
| Safe Deposit Box Re-Key | $5 |
| Safe Deposit Box Drilling | $150 |
Safe deposit box contents NOT federally insured by NCUA |
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Loan Payment Calculators
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Federally Insured by NCUA
SABINE FEDERAL CREDIT UNION
1939 Strickland Drive
P.O. Box 3000
Orange, Texas 77630
409-988-1300 or 1-888-319-SFCU