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Rates

SUMA FCU Rates

  • Rates Effective as of 08/05/2022
  • Rates are subject to change without prior notice.
  • Call us or text to check rates 914-220-4900

Savings Rates

Account Min. Opening Balance Dividend Rate APY Min. bal. to earn APY Penalty for early withdrawal
Regular Shares $50 0.25 0.25 $50 -
Share Drafts (Checking) $250 0.05 0.05 $200 -
3-Month Share Certificate * $1,000 0.65 0.65 $1,000 Yes
6-Month Share Certificate * $1,000 1.10 1.11 $1,000 Yes
1-Year Share Certificate * $1,000 2.10 2.12 $1,000 Yes
2-Year Share Certificate * $1,000 2.25 2.28 $1,000 Yes
3-Year Share Certificate * $1,000 2.35 2.38 $1,000 Yes
4-Year Share Certificate * $1,000 2.50 2.53 $1,000 Yes
5-Year Share Certificate * $1,000 2.75 2.77 $1,000 Yes
Money Market Up to $49,999 $2,500 0.70 0.71 $50 -
Money Market - $50,000 & Up $2,500 1.25 1.26 $50 -
IRA shares * None 1.50 1.51 $50 Yes
Escrow share - 0.01 0.01 -  -
* Share and IRA Certificates, which have a balance of $50,000.00 to 249,999, and are placed or rolled over for a term of two (2) years or longer will receive a 0.10 % BONUS over the stated rate. 
* Share and IRA Certificates, which have a balance of $250,000.00 or more, and are placed or rolled over for a term of two (2) years or longer will receive a 0.25 % BONUS over the stated rate. 
 

Mortgage Rates

A loan amount of $220,000 will result in these monthly payments
Estimated Payments*
1-4 Family Owner OCCUPIED/CONDOMINIUMS /CO-OPS
Title Points Rate APR** Months Rates Amount
10 Year Fixed Mortgage Zero Points 4.000% 4.023%
119
1
4.000%
4.000%
$2,227.40
$2,226.37
15 Year Fixed Mortgage Zero Points 4.250% 4.266%
179
1
4.250%
4.250%
$1,655.02
$1,653.10
20 Year Fixed Mortgage Zero Points 4.500% 4.513%
239
1
4.500%
4.500%
$1,391.83
$1,391.27
25 Year Fixed Mortgage Zero Points 4.750% 4.761%
299
1
4.750%
4.750%
$1,254.26
$1,253.12
30 Year Fixed Mortgage Zero Points 5.000% 5.010%
359
1
5.000%
5.000%
$1,181.01
$1,179.04
5/5 Year Adjustable Zero Points 3.875% 4.900%
60
60
60
180
3.875%
5.875%
7.875%
9.875%
$1,034.52
$1,264.00
$1,477.00
$1,650.00
7/1 Year Adjustable Zero Points 4.125% 4.839%
84
12
12
252
4.125%
6.125%
8.125%
10.125%
$1,066.22
$1,284.00
$1,514.00
$1,753.00
* Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be larger. Other restrictions apply. For adjustable rate loans, after the initial period, rates and payments are based on the following margin: rate is variable and can increase by no more than 2 percentage points after the initial period and at each subsequent rate adjustment, with a lifetime maximum adjustment of 6%.
Assumptions
Owner occupied.
Down payment of 20%.
Member profile with qualifying credit.
Example based on $220,000 loan.
These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
** The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.
 

Member Business Loans

1-4 Family (Non Owner Occupied)
Title Points Rate APR*
12 Year Fixed Zero Points 4.875%-5.625% 4.895%
15 Year Fixed Zero Points 5.000%-5.750% 5.016%
10 Year Balloon/30 Year Payout Fixed Mortgage 4.750%-5.550% 4.759%
* based on lowest rate
Commercial Real Estate (Over 4 Family Residential, Mixed Use, Commercial Properties)
Title Points Rate APR*
10 Year Balloon/30 Year Payout Half Point 5.125%-5.875% 5.135%
10 Year Balloon / 7/1 ARM / 30 Amortization Half Point 4.625%-5.375% 5.078%
12 Year Fixed Half Point 5.000%-5.750% 5.020%
* based on lowest rate

Home Equity Line of Credit

  • 10 Year Draw
  • 15 Year (Max) Payback Period
  • Primary Residence: Prime for life of loan (4.00% minimum)
  • Business HELOC: Prime plus 1/2 (4.50% minimum)


Loans Rates

Pledge of shares
Months APR
Up to 12 Months 2.750% APR
13 to 24 Months 3.000% APR
25 to 36 Months 3.250% APR
37 to 48 Months 3.500% APR
49 to 60 Months 3.750% APR
Interest Only Loan-Single Payment  (Max 1 Year) 4.750% APR
5 Year Balloon/ 10 Year Payout Schedule 5.000% APR
Pledge of Certificate
  • 2.0% Higher Than CD Rate Up to 24 months / Xtra .25% for 25 to 60 Months
Pledge of Money Market Accounts
  • 2.0% Higher Than Money Market Rate Up to 24 months / Xtra .25% for 25 to 60 Months



Personal Loans
Months APR
Up to 36 Months 11.250% APR
37 to 60 Months 11.750% APR
Apply for a Personal Loan

Credit Cards

Card Type APR
Visa Classic 9.00% APR
Visa Business Platinum 10.95% APR
Apply for a Credit Card


Auto Loan Rates

New Auto Loans 100% Financing*
Years APR
Up to 4 Years 2.750% APR
5 Year 3.000% APR
6 Year
3.250% APR
 
 
Used Auto Loans 90% Financing
Years APR
2 Year 3.250% APR
3 Year 3.500% APR
4 Year 3.750% APR
5 Year 4.000% APR
*With 660 Credit Score, otherwise 90% Financing (not including sales tax, tags, destination charges, etc.)
 
 

Specialty Secured Loans

Motorcycles, Semi-Trucks (up to $50,000), Tractors, RVs, ATVs, Boats: 8.750% APR