Rates & Fees

As a Siskiyou Central Credit Union member, you get low, competitive rates for loans, deposit accounts, and credit cards. And you’ll save more with low or no fees.

Below are all the different loans we have to offer.

Loan Type - Fixed Autos Up to 91% LTV
  Up To 48 Months 60 Months 72 Months 84 Months
New Autos
**(1)*
2.49%-12.49% 2.99%-12.99% 3.24%-13.24% 3.74%-13.74%
Used Autos
**  (1) *
2.49%-12.49% 2.99%-12.99% 3.24%-13.24% 3.74%-13.74%
Older Used Vehicles 70%
LTV 11 - 13 years * (1)
7.25%-17.25% 7.25%-17.25% N/A N/A

 

Loan Type - Fixed Autos Up to 91 and up % LTV
  Up To 48 Months 60 Months 72 Months 84 Months
New Auto
**(1)*
2.74%-12.99% 3.24%-13.49% 3.49%-13.74% 3.99%-14.24%
Used Auto
**  (1) *
2.74%-12.99% 3.24%-13.49% 3.49%-13.74% 3.99%-14.24%

 

Loan Type - Fixed RV's
  Up To 60 Months 72 Months 84 Months 120 Months
NEW Recreation Vehicles
** (2) *
4.49%-14.49% 4.99%-14.99% 5.49%-15.49% 5.99%-15.99%
Used Recreation Vehicles
** (2) *
4.99%-14.99% 5.49%-15.49% 5.99%-15.99% 6.49%-16.49%

 

Loan Type - Fixed Boats
  Up To 48 Months 60 Months 72 Months 84 Months
New Boats
** (2) *
4.49%-14.49% 4.74%-14.74% 5.24%-15.24% 5.99%-15.99%
Used Boats
** (2) *
4.99%-14.99% 5.24%-15.24% 5.74%-15.74% 6.49%-16.49%

 

Loan Type - Fixed Motorcycles
  24 Months 36 Months 48 Months 60 Months
New Street Class Motorcycles (1) * 2.99%-12.99% 3.24%-13.24% 3.49%-13.49% 3.99%-13.99%

 

Loan Type - Fixed 
  24-36 Months 48 Months 60 Months
New Dirt Class Motorcycles,  ATV’s, and Snowmobiles (3) * 5.99%-15.99% 6.24%-16.24% 6.49%-16.49%

 

Loan Type - Signature Loans
  12-36 Months 48 Months 60 Months
Signature (Fixed) (3) * 6.99%-16.99% 7.49%-17.49% 7.99%-17.99%
LOC/Overdraft  (Variable)
*** (3) *
8.99%-18.99% 8.99%-18.99% 8.99%-18.99%

*Your ANNUAL PERCENTAGE RATE (APR) will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice.

**Refinance from another institution. Ten years & newer only.

*** Please refer to our LOANLINER ADDENDUM for information regarding  APR Variable Rates

(1) Minimum Monthly Payment    $150.00
(2) Minimum Monthly Payment    $175.00          
(3) Minimum Monthly Payment    $75.00

LATE CHARGE

If you are more than 10 days late in making a payment, a late fee will be assessed.  You will pay a late charge on Secured Loans of 10% or $25.00 whichever is greater. You will pay a late charge on Signature Loans of 12% or $25.00 whichever is greater.

COLLECTION COSTS

You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

PAYROLL DEDUCTION DISCOUNT

You may receive a 1/4% discount off your qualifying Annual Percentage Rate (APR) by setting your payment up as a payroll deduction.  If you stop this payment method, you will no longer receive the discount and your rate will increase to the original rate you would have received without the discount.

PRE-APPROVAL OR VEHICLE ORDERS

Pre-approvals have 30 days from date of loan approval to receive stated rates.  Vehicle orders have 60 days from date of loan approval to receive stated rates, otherwise our current rates as declared by the Board of Directors shall be used to fund loan.

Your savings federally insured to at least $250,000 and backed by the NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Truth-In-Savings Disclosure

H.E.L.O.C Early Disclosure & Important Terms - Fixed Rates

H.E.L.O.C Early Disclosure & Important Terms - Variable Rates

 

Visa Cards
Loan Type APR as low as Condition
Classic Visa® 9.90% Up to $5,000 Visa®

 

Share Deposits
Rates are subject to change without notice
Account Type Rate Minimum Opening Deposit Annual Percentage Yield
Regular Savings
$25 minimum
.01% $5.00 .01%
Money Market .05% $2,500 .05%
Club Accounts .01% None .01%

Dividends earned monthly, paid quarterly on the Average Daily Balance for savings accounts $100 min

Dividends earned daily, paid monthly on the Average Daily Balance for Money Market accounts. $2500 min

Rates subject to change monthly.

DECLARED RATES as set by the Board of Directors for Effective May 20th 2014.

Your savings federally insured to at least $250,000 and backed by the NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Truth-In-Savings Disclosure

We are currently not offering new Share Certificates

Schedule of Fees
General Services
Money Order ($1,000 Max.) $5.00
Cashier's Checks $5.00
Verification of Deposit $15.00
Wire Transfers
Incoming $20.00
Outgoing $30.00
FAX Per Page
Incoming $1.00
Outgoing ($.50 ea. extra pg.) $3.00
Attachment/Levy against
member's account $50.00
Foreign Check Collection fee $15.00 - $25.00
Inactive/Dormant Account
Notification to member of account status $5.00
Assessed after no activity for 1  year.  
Escheating to State $2.00
Assessed when total account balances under one member account number are over $50.00 with no activity for 3 years.
Bad Address $5.00
Account Research
By MSR in person or phone $5.00
Automated N/C
Telephone account transfers by MSR $1.00
Copy of Statements $5.00
Electronic Statements Free
Returned Deposit Item (RDI) $10.00
RDI From self to self (different bank) $20.00
Stop Payment Check $30.00
Copy of Paid Check $3.00
Base Share balance below $25.00 (Monthly Fee) $5.00
Coin Counter over $50.00 5% of total
Sponsor check cashing for non-member $10.00
Share Savings Accounts
New Member Account Fee $5.00 *1
Early Closure (within 120 days) $20.00
Reopen Account (with in 6 mos.) $20.00
Account Closed by CU Due to MISUSE or ABUSE $30.00
NSF Return item (per Item) $30.00
Manual Overdraft Transfer(Reg D Exceeded) $30.00
Manual Transfer by phone (Reg D Exceeded) $5.00
Manual Transfer in person N/C
Account Reconciliation
(Research & Balancing) per hr (Min-1 hr) $25.00
Share Draft Checking Accounts
Platinum Checking $5.00
Share Draft Checking $5.00***
Early Closure (within 120 days) $20.00
Reopen Account (with in 6 mos.) $20.00
Account Closed by CU Due to MISUSE or ABUSE $30.00
Courtesy Pay Fee (per item) $30.00
NSF Return item (per Item) $30.00
Manual Overdraft Transfer(Reg D Exceeded) $30.00
Manual Transfer by phone (Reg D Exceeded) $5.00
Manual Transfer in person N/C
Temporary checks (first 3 pgs for new acct Free) N/C
additional page (4 checks) $1.00
Personal Checks Fee based on style*2
Account Reconciliation
(Research & Balancing) per hr (Min-1 hr) $25.00
Visa ATM/ Check Card
Courtesy Pay Fee (Negative balance) (per Item) $30.00
NSF Return item (per Item) $30.00
Replacement Card $10.00
New PIN $3.00
Point of Sale Usage for purchases (POS) N/C
ATM-Cash Withdrawals at SCCU or CO-OP ATM'S N/C
Other ATM Locations
First 5 N/C
Additional Withdrawals $1.50
Visa
Annual Fee N/C
Late Fee (The greater of)  
5 days late 3% or $7.00
10 days late 3% or $10.00
15 days late 3% or $15.00
Over limit Fee $25.00
Returned Payment Items $25.00
Loans
Credit Report Fee $25.00
Late Charge (after 10 days)
Secured (the greater of) 10% or $25.00
Signature Loans (the greater of) 12% or $25.00
HELOC (the greater of) 15% or $50.00
PC Car book/Kelley Blue Book N/C
Collateral Insurance Add on $35.00
Electric Title Fee $20.00
Returned Payment items $30.00

*1 Fees waived for members under 18 and for members who are 62 and over

**2 Fee waived for members 62 and older

***Share Draft Checking fee waived if $200.00 average monthly balance or Direct Deposit with E-Statements and Debit Card.