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Rates
Rates Effective 12/31/09
- Loans
- Savings & Checking Accounts
- Certificates and IRA's
- IRA
- Money Market Accounts
- Credit Cards
- Home Loans
| Type | Term | APR* as low as** |
|---|---|---|
| Autos, Trucks, Vans, Motorcycles, Boats, Watercraft, Motor Homes and Travel Trailers | 12 months | 4.00% |
| 24 months | 4.25% | |
| 36 months | 4.50% | |
| 48 months | 4.75% | |
| 60 months | 5.00% | |
| 72 months | 6.00% | |
| 84 months | 7.00% | |
| Personal Loans | N/A | 10.50% |
| Personal Lines-of-Credit | N/A | 12.00% |
| Share Secured | 84 months | (2% over earnings, adjusted quarterly) |
*APR = Annual Percentage Rate. Payment Example: At 4.75% APR, 48 monthly payments of $22.92 for each $1,000 borrowed.
**Rates are valid on new loans or refinances of loans financed at another financial institution. Loans currently financed through Southeast Financial are not eligible. Rates are based on the creditworthiness of the applicant and terms of the loan. Rates valid at time of posting and subject to change without notice. Some restrictions may apply.
| Type | Minimum Balance | APY* |
|---|---|---|
| Regular Share | $5.00 | 0.20% |
| Share Draft | None | 0.00% |
| LifeTools Checking | None | 0.00% |
| Club Checking | None | 0.10% |
| Silver Plus Checking | $0.00 - $499.99 | 0.00% |
| $500.00 - $999.99 | 0.10% | |
| $1,000.00 - $2,499.99 | 0.20% | |
| $2,500.00+ | 0.20% | |
| Christmas Club | None | 0.20% |
| Health Checking Account | None | 0.10% |
*APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce the earnings on an account. See the Schedule of Products and Fees for details.
| Type | Minimum Deposit | APY* |
|---|---|---|
| DreamBuilder 6 Month Certificate | $100.00 | 1.00% |
| 90 Day** | $500.00 | 1.10% |
| 6 Month | $500.00 | 1.60% |
| 1 Year | $500.00 | 2.00% |
| 18 Month | $500.00 | 2.11% |
| 2 Year | $500.00 | 2.25% |
| 30 Month | $500.00 | 2.30% |
| 3 Year | $500.00 | 2.40% |
| 4 Year | $500.00 | 2.55% |
| 5 Year | $500.00 | 2.75% |
*APY = Annual Percentage Yield
**Not Eligible for IRAs
Early Withdrawal Penalties - The penalty we may impose for withdrawals before maturity will be the lesser of the following if your account has an original maturity of:
- Six months or less- all dividends on the amount withdrawn or 30 days dividends on the amount withdrawn.
- More than six months- all dividends earned on the amount withdrawn or 60 days dividends on the amount withdrawn.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.
See the Schedule of Products and Fees for details.
| Type | Minimum Balance | APY* |
|---|---|---|
| Accumulation Account | $1.00 | 0.30% |
|
*APY = Annual Percentage Yield. Rates may change after the account is opened.
| Type | Minimum Balance | APY* |
|---|---|---|
| Money Market (Must meet minimum balance requirement to obtain stated rate) | $2,499.00 | 0.00% |
| $2,500.00-$10,000.00 | 0.35% | |
| $10,001.00-$25,000.00 | 0.50% | |
| $25,001.00-$50,000.00 | 0.75% | |
| $50,001.00-$75,000.00 | 0.90% | |
| $75,001.00-$100,000.00 | 1.00% | |
| $100,001.00 and greater | 1.10% | |
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*APY = Annual Percentage Yield. Rates may change after the account is opened. See the Schedule of Product and Fees for details.
| Type | APR* as low as** |
|---|---|
| MasterCard (No Annual Fee) | As low as 8.90%*** |
| Visa Platinum Card (No Annual Fee) | As low as 8.90%*** |
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*APR = Annual Percentage Rate. Payment Example: 48 monthly payments of $22.58 for each $1,000 borrowed.
**Rates are valid on new loans or refinances of loans financed at another financial institution. Loans currently financed through Southeast Financial are not eligible. Rates are based on the creditworthiness of the applicant and terms of the loan. Rates valid at time of posting and subject to change without notice. Some restrictions may apply.
***For MasterCard and Visa, the Annual Percentage Rate for your card is based on certain creditworthiness criteria. Please refer to your approval rate letter or your monthly statement for your monthly periodic rate and Annual Percentage Rate.
| Type | Rates |
|---|---|
| Mortgages | Click Here |
| Home Equity | Call for rates and terms 615-743-3700 or 866-825-6615 |
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