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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) | 4.50% - 12.50% APR |
| New or Used Autos (48 months or less) | 4.75% - 12.75% APR |
| New or Used Autos (60 months or less) | 4.90% - 12.90% APR |
| New or Used Autos (72 months or less) | 5.50% - 13.50% APR |
| New Autos (84 months or less) | 5.75% - 13.75% APR |
| Older Used Autos (48 months or less) | 7.25% - 15.25% 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) | 6.00% - 14.00% APR |
| Boats (72 months or less) | 6.50% - 14.50% APR |
| Boats (84 months or less) | 6.75% - 14.75% APR |
| Boats (120 months or less) | 7.25% - 15.25% APR |
| Motorcycles (60 months or less) | 6.00% - 14.00% APR |
| Motorcycles (72 months or less) | 6.50% - 14.50% APR |
| Four Wheelers (up to 60 months) | 6.00% - 14.00% 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) | 6.00% - 14.00% APR |
| RVs (72 months or less) | 6.50% - 14.50% APR |
| RVs (84 months or less) | 6.75% - 14.75% APR |
| RVs (120 months or less) | 7.25% - 15.25% APR |
| RVs (144 months or less) | 7.50% - 15.50% APR |
| Mobile Homes (up to 120 months) | 12.00% - 18.00% 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 02/4/2010 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
| Home Mortgages (up to 10 years) | 5.00% APR |
| Home Mortgages (up to 15 years) | 5.25% APR |
| Home Mortgages (up to 20 years) | 5.50% APR |
| Home Mortgages (up to 30 years) | contact a Real Estate Loan officer |
| Rental / Investment Property (up to 10 years) | 6.50% - 12.50% APR |
| Rental / Investment Property (up to 15 years) | 7.25% - 13.25% APR |
| Home Improvement (up to 5 years) | 7.00% - 13.00% APR* |
| Home Improvement (up to 7 years) | 7.25% - 13.25% APR* |
| Home Improvement (up to 10 years) | 7.50% - 13.50% APR* |
| Home Improvement (up to 12 years offered for first lien only) | 7.75% - 13.75% APR* |
| Home Equity (up to 5 years) | 4.90% - 10.90% APR** |
| Home Equity (up to 7 years) | 5.00% - 11.00% APR** |
| Home Equity ( up to 10 years) | 5.25% - 11.25% APR** |
| Home Equity (up to 15 years) | 5.50% - 11.50% APR** |
| Home Equity (up to 20 years) | 5.75% - 11.75% APR** |
| Land (7 years and below) | 6.00% - 12.00% APR |
| Land (10 years and below) | 6.50% - 12.50% APR |
| Land (15 years; $30,000 and over) | 6.50% - 12.50% APR |
Add 1.00% if not first lien; **Add 1.50% 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 home mortgage loans is based on a $100,000 loan with a 20% down payment for the stated term and includes customary closing costs.
Rates accurate as of 02/4/2010 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)
Deposit Account Rates
| Share (with minimum balance of $5) (minimum opening deposit $5) (Rates may change after account is opened.) |
.50% APY |
| Share Draft (with minimum balance of $2,500) (minimum opening deposit $50) (Rate may change after account is opened.) |
.25% APY |
| IRA (with minimum balance of $5) (minimum opening deposit $5) (Rate may change after account is opened.) |
1.25% APY |
| Christmas Club (with minimum balance of $5) (minimum opening deposit $5) |
.50% APY |
| Term Share Certificates - 6 mos (with minimum balance of $5,000) (minimum opening deposit $5,000) 30 day penalty will be imposed for early withdrawal. |
1.26% APY |
| Term Share Certificates - 12 mos (with minimum balance of $5,000) (minimum opening deposit $5,000) 90 penalty will be imposed for early withdrawal. |
1.76% APY |
| Term Share Certificates - 18 mos (with minimum balance of $5,000) (minimum opening deposit $5,000) 120 day penalty will be imposed for early withdrawal. |
1.76% APY |
Rates accurate as of 02/4/2010 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 1/29/10 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 | 5 free per month from target source, then $3 for next transaction |
| Overdraft Privilege | $25 |
| NSF | $25 |
| Stop Payments (all items) | $20 |
| Commercial Share Draft Fee | $12 per month |
| Printout | $1 |
| Statement Copy | $1 |
| Research | $10 per hour |
| Account Reconciliation Fee | $10 per hour |
| Draft Copy | 2 free copies per statement; $2 per copy thereafter |
| Other Service Fees: | |
| Cashier's Check | $3 |
| Traveler's Check | 1% of purchase amount; $20 maximum |
| Money Order | $1 |
| Teller Check | $1 |
| Domestic Wire (Outgoing) | $15 |
| Foreign Wire (Outgoing) | $35 |
| Return Mail Fee | $5 per returned statement per quarter |
| Charge Back Fee | $3 per charged back item |
| Collection Item | $5 |
| Late Loan Fee | 5% of payment |
| Visa Check Card (VCC) / ATM Fees: | |
| VCC/ATM Card Reissue | $5 |
| VCC/ATM PIN Reissue | $2 (excluding new cards) |
| Nonproprietary ATM Withdrawal | $1.50 |
| Nonproprietary ATM Balance Inquiry | $1.00 |
| Nonproprietary ATM Transfer | $1.00 |
| 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 Fee | $5 |
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