Security One Federal Credit Union

817-273-5900

Rates & Calculators

The actual Annual Percentage Rate (APR) is determined by the credit worthiness of each applicant. All terms are subject to credit approval and may be restricted based upon individual credit qualifications and the type of collateral for the loan. Contact Security One FCU for details and other loan rates and terms

Rates listed effective as of February 7, 2008

Member Rewards

You may be eligible to receive a ¼% discount if you meet two of the following criteria; or ½% discount if you meet four of the following criteria:

Loan payment is paid by automatic transfer (set up from payroll or any deposit account)
Currently have an active checking account
Open a checking account with a minimum deposit of $250
Have maintained an aggregate average loan balance (including MasterCard) of $10,000 or more for the last three months with no payments over 30 days late for the last year
Currently have (or sign up for) direct deposit of net pay
Have maintained multiple suffixes with SOFCU for 5+ years
Have maintained an aggregate average deposit balance of $25,000 or more for the last three months
Have completed the Drive Away Happy module from Balance Financial Fitness Program

CLASSIC MASTERCARD

TIER APR

Tier 1 12.90%

Tier 2 15.90%

GOLD MASTERCARD

APR 9.90%

2006 - 2008 VEHICLES
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3 Tier 4

<24 Months 4.50% 5.25% 8.00% 11.25%

36 Months 4.75% 5.50% 8.25% 11.50%

48 Months 5.00% 5.75% 8.50% 11.75%

60 Months 5.25% 6.00% 8.75% 12.00%

72 Months 5.50% 6.25% 9.00% 12.25%

USED 2005 AND OLDER VEHICLES
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3 Tier 4

<24 Months 5.50% 6.25% 9.00% 12.25%

36 Months 5.75% 6.50% 9.25% 12.50%

48 Months 6.00% 6.75% 9.50% 12.75%

60 Months 6.25% 7.00% 9.75% 13.00%

72 Months 6.50% 7.25% 10.00% 13.25%

NEW BOATS, MOTORCYCLES and RVs
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3 Tier 4

<24 Months 5.50% 6.25% 9.00% 12.25%

36 Months 5.75% 6.50% 9.25% 12.50%

48 Months 6.00% 6.75% 9.50% 12.75%

60 Months 6.25% 7.00% 9.75% 13.00%

72 Months 6.50% 7.25% 10.00% 13.25%

84 Months 6.75% 7.50% 10.25% 13.50%

120 Months 7.00% 7.75% 10.50% 13.75%

>120 Months 7.25% 8.00% 10.75% 14.00%

USED BOATS, MOTORCYCLES and RVs
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3 Tier 4

<24 Months 6.50% 7.25% 10.00% 13.25%

36 Months 6.75% 7.50% 10.25% 13.50%

48 Months 7.00% 7.75% 10.50% 13.75%

60 Months 7.25% 8.00% 10.75% 14.00%

72 Months 7.50% 8.25% 11.00% 14.25%

84 Months 7.75% 8.50% 11.25% 14.50%

120 Months 8.00% 8.75% 11.50% 14.75%

>120 Months 8.25% 9.00% 11.75% 15.00%

SIGNATURE
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3 Tier 4

36 Months 12.00% 13.50% 18.00% 18.00%

48 Months 13.50% 14.50% 18.00% 18.00%

HOME IMPROVEMENT & HOME EQUITY
All Rates are Annual Percentage Rates APR

TERM Tier 1 Tier 2 Tier 3

Under 5 Years 5.50% 6.25% 9.00%

5 - 10 Years 6.00% 6.75% 9.50%

10 - 15 Years 6.50% 7.25% 10.00%

15 - 20 Years 7.00% 7.75% 10.50%

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