Rates

APR refers to the Annual Percentage Rate or the Dividend Rate.
APY refers to the Annual Percentage Yield.

Loan Rates

Fill out a Loan Application   |   Loan Calculator

Description Term APR* APY APR Type
New Autos 36 Months 2.25%* 2.25% Fixed
48 Months 2.50%* 2.50% Fixed
60 Months 2.75%* 2.75% Fixed
72 Months 3.25%* 3.25% Fixed
84 Months
(Over $25,000)
3.75%* 3.75% Fixed
Used Auto 2013-2015
(up to 72 months)
3.50%* 3.50% Fixed
2009-2012
(up to 60 months)
4.50%* 4.50% Fixed
Motorcycles
100% bottom line deal sheet
Up to 60 months 6.90%* 6.90% Fixed
Personal Loan 60 Months 8.50%* 8.50% Fixed
New Boats
100% bottom line
48 Months 4.00%* 4.00% Fixed
60 Months 4.25%* 4.25% Fixed
72 Months
(Over $25,000)
4.75%* 4.75% Fixed
Used Boats
100% high retail
Up to 72 months 5.00%* 5.00% Fixed
Miscellaneous
(4-wheelers, Sixe X Side,
Golf Carts, Low Boy & Cargo Trailers)
Titled (Up to 60 months)
New or Used
6.00%* 6.00% Fixed
Untitled (Up to 60 months)
New or Used
7.40%* 7.40% Fixed
New RVs
100% bottom line deal sheet
Up to 84 months 5.00%* 5.00% Fixed
Used RVs
100% high retail (BB)
Up to 72 months 6.00%* 6.00% Fixed
New Farm Equipment
100% bottom line
Up to 84 months 5.50%* 5.50% Fixed
Used Farm Equipment
100% resale cash (BB)
Up to 72 months 6.50%* 6.50% Fixed
Share Secured
90% total share value
Up to 120 months 4% above
dividend rate
4% above
dividend rate
Fixed
Up to 60 months 3% above
dividend rate
3% above
dividend rate
Fixed
Certificate of Deposit Loans Up to length of certificate 3% above
dividend rate
3% above
dividend rate
**
Mad Money Loans
Up to $500
Must be a member for
at least 3 months
Up to 3 months only 28.00% 28.00% Fixed
2nd Time Around Loans
Within Same Year
Same Rates & Terms as New Autos

*Loan rates are quoted based on "A+" credit rating. Actual rates vary and are based on individual credit worthiness. Rates are subject to change without notice. Southeast Texas Employees Federal Credit Union is not responsible for typographical errors. Please call the credit union to verify rates.

** When CD matures, loan will be refinanced at new interest rate plus 3%.


Certificates

Description Minimum Deposit Term Dividend Rate APY
Certificate of Deposit $1,000 6 Months 0.50% 0.501%
Certificate of Deposit $1,000 12 Months 0.69% 0.692%
Certificate of Deposit $1,000 18 Months 0.75% 0.753%
Certificate of Deposit $1,000 24 Months 0.90% 0.904%
Certificate of Deposit $1,000 36 Months 1.10% 1.106%
Certificate of Deposit $1,000 48 Months 1.60% 1.612%

Members should call the credit union to verify rates.
NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Savings Calculator

Description Term Dividend Rate APY
Savings Account Paid Quarterly .15% .150%
Money Market Account
$2,500.00 to $49,999.99
Paid Quarterly .30% .300%
Money Market Account
$50,000.00 and up
Paid Quarterly .51% .511%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Description Term Dividend Rate APY
IRA   .10% .100%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft Rates

Description Term Dividend Rate APY
Checking Account Paid Monthly 0.15% 0.150%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Christmas Club Rates

Description Term Dividend Rate APY
Christmas Club Paid Monthly 0.00% 0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.