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The Share Savings rates in this schedule are accurate as of October 1, 2009.  The Share Certificate rates and fees contained in this schedule are accurate as of July 17, 2014. For current information call the Sioux Valley Community Credit Union at 712-277-1440. 

This Rate and Fee Schedule for all accounts sets forth certain conditions, rates, fees, and charges applicable to your accounts at Sioux Valley Community Credit Union, and is incorporated as part of your Account Agreement with us. 
Rates
Truth-In-Savings Rate Schedule  
Share Accounts 
Dividend Rates 
Annual Percentage Yield 
Minimum Balance Requirements
S1 Primary Share
0.10%
0.10%

$25.00 to open
*$200 COMBINED average daily Balance in all S-I-L accounts to avoid a monthly fee

S2 Tax & Insurance
0.10%
0.10%
None
S3 Other Share
0.10%
0.10%
None
S4 Junior Share
0.10%
0.10%

$10 to open *Must be under the age of 19 years

S5 Christmas Club
0.10%
0.10%
None
S6 Vacation Club
0.10%
0.10%
None
S8 IRA Share 
None
0.00%
None
S9 Share Draft Checking

 0.00%

 0.00%

None 

Certificates

     
I1  12 Month Certificate
0.50%
0.50%
$1000 to open
I3  12 Month Renewal Certificate
0.60%
0.60%
Maturing Value or less
I2  24 Month Certificate
0.65%
0.65%
$1000 to open
I4 24 Month Renewal Cert.

0.75%

0.75%

Maturing value or less
I5  36 Month
1.00%
1.00%
Maturing Value or less

 

Loans - Effective 08/10/2017 Rate  Term
VEHICLE LOANS**
 2014, 2015, 2016, 2017  3.49% APR*  Up to 60 months**
 2014, 2015, 2016, 2017 3.99% APR*  Up to 72 months
2011, 2012, 2013 4.49% APR*  Up to 60 months
 2010 and Older 5.99% APR*  Up to 36months**

 

MOTORCYCLES**
 2015, 2016, 2017  4.99% APR*  Up to 60 months
 2012, 2013, 2014  5.49% APR*  Up to 48 months
 2011 and older  6.99% APR*  Up to 36 months
 Vehicles & motorcycles, the term of loan may be increased by adding 1% to the APR* for every 6 mos. Max inc of 12 mos. Max 72 mos.
   
PLEASURE BOATS, MOTOR HOMES & SELF-CONTAINED TRAILERS**
 2015, 2016, 2017  5.99% APR*  Up to 72 months
2012, 2013, 2014  6.49% APR*  Up to 48 months
 2011 and Older  7.49% APR*  Up to 36 months
   
 CAMPERS (Overnight & Pop-up)**
New 4.99% APR* Up to 60 months
Used 5.49% APR* Up to 48 months
     
ATV's - JET SKI's - SMALL BOATS <16 FT - SNOW MOBILES**
New 6.40% APR* Up to 60 months
Used 7.40% APR* Up to 48 months
     
HOME EQUITY*
 Primary Residence  4.49% APR*  Up to 66 months***
 - 80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate
**Up to 180 months with 66 month balloon for loans over $15,000
 
SHARED SECURED
 Regular Shares  5.00% APR*  Purpose of Loan
 Share Certificates  CD Rate +3% APR*  CD Maturity Date
UNSECURED
 Up to $999  11.90% APR*  Up to 12 months
Over $1,000 to $2,999  11.90% APR*  Up to 24 months
Over $3,000  11.90% APR*  Up to 36 months
 Vacation Loans/Holiday Loans         Seasonal - Call 712-277-1440                              
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.

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