Savings Rates

Savings & Checking Accounts

 
Type Minimum Balance APY
Membership Share $5.00
Regular Share $0.01
Student Checking None
Rewards Checking None
Interest Checking None
Christmas Club Account None
Health Checking Account None
 

Certificates

 
Type Minimum Deposit APY
DreamBuilder 6 Month Certificate $100.00
90 Day $500.00
6 Month $500.00
1 Year $500.00
18 Month $500.00
2 Year $500.00
30 Month $500.00
3 Year $500.00
4 Year $500.00
5 Year $500.00
 
 

IRAs

 
Type Minimum Balance APY
Accumulation Account $1.00
 

Money Market Accounts

 
Type Balance APY
Money Market Account $0.00 - $2,499
  $2,500 - $10,000
  $10,001 - $25,000
  $25,001 - $50,000
  $50,001 - $75,000
  $75,001 - $100,000
  $100,001+
 

Loan Rates

Car & Truck Loans

 
Year New Used
1 Year APR APR
2 Years APR APR
3 Years APR APR
4 Years APR APR
5 Years APR APR
6 Years APR APR
7 Years APR APR
 
Rates valid as of 03/01/2024
Subject to credit approval. Rates are subject to change without notice and may vary based on applicant creditworthiness and loan term. Minimum loan amount $12,000 for 72 and 84-month terms. Excludes refinance of existing Southeast Financial loans. Other restrictions may apply. Payment Example: At 6.50% APR, 60 monthly payments of $19.57 for each $1,000 borrowed.

Other Vehicle Loans

 
Year New Used
1 Year APR APR
2 Years APR APR
3 Years APR APR
4 Years APR APR
5 Years APR APR
6 Years APR APR
7 Years APR APR
 

Personal & Share Secured Loans

 
Type Max Term APR as low as
Personal Loans 60 months
Personal Lines of Credit Revolving
Share Secured 84 months over earnings
 
Rates valid as of 03/01/2024
Subject to credit approval. Rates subject to change without notice. Some restrictions may apply.
Personal Loan and Line of Credit rates may vary based on applicant creditworthiness. Personal Loan Payment Example: At 12.50% APR, 60 payments of $22.50 for each $1,000 borrowed.
Share Secured Loan rates are variable and are adjusted quarterly. Payment Example: At 4.00% APR, 84 payments of $13.67 for each $1,000 borrowed.

Mortgage Loans — Today’s Best Rates

 
 
APR=Annual Percentage Rate. Rates shown are the best rates currently available for the stated loan programs. Not every borrower will qualify for these rates. Click the "Find My Loan" button above for programs, rates, and payment options that may be available to you. Loan product availability subject to loan amount. Rates and APRs may vary depending on loan details, such as points, loan amount, loan to value, your credit history, property type, and occupancy. Amount of required down payment varies by program and loan details and will range between 3% and 5% of the amount borrowed. Payment Examples ($250,000 Loan Amount): At 3.50% APR, 180 monthly payments of $1787.21. At 4.00% APR, 360 monthly payments of $1193.54. Payment examples do not include amounts for taxes and insurance premiums, so actual payment could be higher. Until you lock your rate, APR and terms are subject to change. Subject to credit approval. Other restrictions may apply.

Home Equity Loan & Line of Credit Rates

 
Type APR as low as
Home Equity Line of Credit Variable*
Home Equity Loan Fixed**
 
Rates valid as of 03/01/2024
APR= Annual Percentage Rate. Actual rate and terms may vary according to applicant creditworthiness, loan term, and property equity. Fixed rate home equity loans available for 5, 10, and 15 year terms.

*Minimum Payment Requirements:
You can obtain advances of credit for 5 years(s) (the "Draw Period"). At our option, we may renew or extend subsequent Draw Periods. During the draw period, your monthly payment will equal the amount of accrued interest. Your payment will include any amounts past due and any amount by which you have exceeded your credit limit, and all other charges.

After the draw period ends, you will no longer be able to obtain credit advances and must pay the outstanding balance on your account (the "repayment period"). The length of the repayment period is 15 year(s). During the repayment period, payments will be due monthly. Your minimum monthly payment will equal an amortized payment of the loan account balance. This balance will be amortized over 180 months. The minimum payment will change whenever the annual percentage rate changes. Your loan payments will recalculate each month in order for your loan to be paid in full during the repayment period. Balances of less than $50.00 must be paid in full.

Minimum Payment Example
If you made only the minimum monthly payment and took no other credit advances, it would take 20 year(s) to pay off a credit advance of $10,000 at an Annual Percentage Rate of 8.50%. During that period, you would make 60 payments of $70.83 followed by 179 payments of $98.52, with a final payment of $98.31.

Variable Rate Feature
The APR is based on the value of an index. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal. We will use the most recent index value available to us as of the date of any annual percentage rate adjustment. To determine the APR that will apply to your account, we add a margin to the value of the index. Your margin will be based on your creditworthiness and Loan-to-Value (LTV) Ratio.

Rate Changes
The APR can change on the first day of each month. There is no limit on the amount by which the APR can change during any one year period. The maximum APR that can apply is 18% or the maximum permitted by applicable law, whichever is less. The APR will not fall below 3% during the Plan.

Maximum Rate and Payment Example
If you had an outstanding balance of $10,000 at the beginning of the draw period, the minimum monthly payment at the maximum APR of 18% would be $150.00. The maximum APR during the draw period could be reached in the first month. If you had an outstanding balance of $10,000 at the beginning of the repayment period, the minimum monthly payment at the maximum APR of 18% would be $161.04. The maximum annual percentage rate during the repayment period could be reached in the second month.

**Payment Example
A $25,000 loan at 7.75% for a 10-year term would consist of 119 payments of $300.10 with a final payment of $298.94.

Credit Cards

 
Type APR as low as
Visa Secured Card
Visa Platinum Card
Visa Signature Card
 
Rates valid as of 03/01/2024
Subject to credit approval. Rates subject to change without notice and may vary based on applicant creditworthiness. Some restrictions may apply.