4926 La Cuenta Drive, San Diego, CA 92124
800.973.3328
sdffcu@sdffcu.org
M-F 8:00am - 3:30pm
Rates
Dividend Rates
Share Rates - EFFECTIVE March 31, 2023
| Shares | Interest Rate |
|---|---|
| Regular Share | 0.35% |
| Christmas Club | 0.35% |
| Health Savings Account (HSA) | 0.35% |
Term Share Certificates - EFFECTIVE December 1, 2023
| Term Share Certificates | Interest Rate | Annual Percentage Yield** |
|---|---|---|
| 3 Month Term | 0.90% | 0.90% |
| 6 Month Term | 1.98% | 2.00% |
| 9 Month Term | 4.41% | 4.50% |
| 12 Month Term | 2.96% | 3.00% |
| 18 Month Term | 2.96% | 3.00% |
| 24 Month Term | 2.96% | 3.00% |
| 30 Month Term | 2.96% | 3.00% |
| 36 Month Term | 2.96% | 3.00% |
Individual Retirement Accounts - EFFECTIVE December 1, 2023
| IRA Certificates | Interest Rate | Annual Percentage Yield** |
|---|---|---|
| 12 Month Term | 2.97% | 3.00% |
| 24 Month Term | 2.97% | 3.00% |
| 36 Month Term | 2.97% | 3.00% |
Come see one of our Members Services Representative for more information and an application.
Loan Rates
Loan Rates as of September 1, 2023
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 5.49% |
| New & Used Auto | Up to 66 Months | 5.99% |
| New & Used Auto | Up to 75 Months | 6.49% |
| New & Used Auto | Up to 84 Months | 7.24% |
| OLDER Used Auto | Up to 48 Months | 7.49% |
| Rebuilder Auto | 15.00% | |
| Starter Auto | 15.00% | |
| Signature | Up to 60 Months | 10.40% |
| Rebuilder Signature | 18.00% | |
| Personal Property | Up to 48 Months | 10.90% |
| Line of Credit | Up to 60 Months | 9.90% |
| Vacation | Up to 12 Months | 9.90% |
| Christmas | Up to 12 Months | 9.90% |
| New & Used Boat | Up to 60 Months | 6.49% |
| New & Used Boat | Up to 72 Months | 6.74% |
| New & Used Boat | Up to 84 Months | 7.74% |
| New & Used Boat | Up to 120 Months | 7.99% |
| New & Used RV/Motorhome | Up to 60 Months | 6.49% |
| New & Used RV/Motorhome | Up to 72 Months | 6.74% |
| New & Used RV/Motorhome | Up to 84 Months | 7.74% |
| New & Used RV/Motorhome | Up to 120 Months | 7.99% |
| New & Used RV/Motorhome | Up to 144 Months | 7.99% |
| New & Used RV/Motorhome | Up to 180 Months | 8.24% |
| Disaster | 7.25% | |
| New & Used Motorcycle | Up to 60 Months | 6.49% |
| New & Used Motorcycle | Up to 72 Months | 6.74% |
| New Tractor | Up to 60 Months | 8.90% |
| Unimproved Property | Up to 60 Months | 6.99% |
| Unimproved Property | Up to 120 Months | 7.74% |
| Unimproved Property | Up to 144 Months | 7.74% |
| Unimproved Property | Up to 180 Months | 7.74% |
| Unimproved Property | Up to 240 Months | 7.99% |
| Home Equity | Up to 60 Months | 6.74% |
| Home Equity | Up to 120 Months | 6.99% |
| Home Equity | Up to 180 Months | 7.24% |
| Home Equity | Up to 240 Months | 7.49% |
| First Mortgage Refinance | Up to 60 Months | 6.49% |
| First Mortgage Refinance | Up to 120 Months | 6.74% |
| First Mortgage Refinance | Up to 180 Months | 6.99% |
Come see one of our loan officers for more information and an application.
Credit Card Rates
| MASTERCARD PLATINUM | |
|---|---|
| Annual Fee | None |
| APR* for Purchases | 9.90% |
| Method of computing the balance for purchases and cash advances | Average Daily Balance (Including new purchases) |
| Minimum Finance Charge | $0.50 |
| Transaction Fee for Purchases | None |
| Over Credit Limit Fee | $10.00 |
| MASTERCARD CLASSIC | |
|---|---|
| Annual Fee | None |
| APR* for Purchases | 12.90% |
| Method of computing the balance for purchases and cash advances | Average Daily Balance (Including new purchases) |
| Minimum Finance Charge | $0.50 |
| Transaction Fee for Purchases | None |
| Over Credit Limit Fee | $10.00 |
| MASTERCARD STARTER | |
|---|---|
| Annual Fee | None |
| APR* for Purchases | 14.90% |
| Method of computing the balance for purchases and cash advances | Average Daily Balance (Including new purchases) |
| Minimum Finance Charge | $0.50 |
| Transaction Fee for Purchases | None |
| Over Credit Limit Fee | $10.00 |