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Rates

Loan Rates
Savings Rates
Tiered Money Market Rates
Checking Rates
Certificate Rates
IRA Rates
VISA Rates
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Rates

Loan Rates

Listed below are our lowest rates. Our rates are based on credit, term, automatic payment, loan to value and Simply Rewarding Member Rewards participation. Your rate may vary. Rate example: If you borrow $10,000 with no down payment at 3.49% interest rate (4.25% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $181.89 per $10,000 borrowed. Although rates are updated often on this site, for the most current rates, contact Seven Seventeen.   All rates are subject to change without notice.   Not all loan types are listed. Please call the Credit Union for details on different rate plans and rate specials.

Mortgage Rates
Visit our Mortgage Center for Mortgage Rate Information: When inquiring on the Home Equity Line of Credit rates, please view the Home Equity Early Disclosure under "Apply for a Loan."

Auto

Rates effective April 1, 2013
  Auto Loans  Term  APR *
Auto Loan (2010 and Newer)60 monthsas low as 3.23%CalculatorApply Now 
Auto Loan (2010 and Newer)66 monthsas low as 3.42%   
 72 monthsas low as 3.87%   
 78 monthsas low as 4.58%   
Auto Loan (2009)60 monthsas low as 3.99%   
 66 monthsas low as 4.17%   
 72 monthsas low as 4.62%   
Auto Loan (2008)60 monthsas low as 4.99%   
 66 monthsas low as 5.18%   
Auto Loan (2007 and older)48 monthsas low as 5.93%   
 60 monthsas low as 6.00%   
*This includes .50% discount for automatic payment, .25%  discount for 90% LTV or less, and .25% Simply Rewarding participation Premium Level.  Processing fee $185.00 without coupon book and $195.00 with coupon book for all purchases.
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Boats, RV

Rates effective April 1, 2013
  Boat, RV (2009 and Newer)  Term  APR *
$0.00 - $10,00072 monthsas low as 8.90% Apply Now 
$10,001 - $25,000120 monthsas low as 5.40%   
$25,001 - $50,000180 monthsas low as 5.35%   
Includes Boats, RVs, Campers, Motor Homes, Travel Trailers, Horse Trailers, Residential Trucks over 1 ton.  *This includes a .50% discount for automatic payment, and .25% Simply Rewarding participation Premium Level.  Processing Fee $185.00 without coupon book and $195.00 with coupon book for all purchases.
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Motorcycle, ATV

Rates effective April 1, 2013
  Motorcycle, ATV (2009 and Newer)  Term  APR *
Motorcycle, ATV (2009 and Newer)66 monthsas low as 6.94% Apply Now 
Motorcycle, ATV (2008 and Older)54 months as low as 7.59%   
Includes Motorcycles, ATVs, Personal Watercraft.  *This includes .50% discount for automatic payment and .25% Simply Rewarding participation Premium Level.  Processing Fee $185.00 without coupon book and $195.00 with coupon book for all purchases.
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Signature

Rates effective April 1, 2013
  Signature Loans  APR *
Line of Creditas low as 10.24% Apply Now 
Note Loansas low as 10.17%   
Note Loan discounts include .50% automatic payment, and .25% Simply Rewarding participation Premium Level.  Processing Fee $100.00 without coupon book and $110.00 with coupon book for Note Loans.  Line of Credit discount include .25% Simply Rewarding participation Premium Level only.
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Home Equity Line of Credit - Non-Variable/Variable Rate

Rates effective December 27, 2012
  Home Equity Line of Credit - Non-Variable/Variable Rate  APR *
Up to 85% CLTV - Non-variable rate which changes to variable during repayment.3.24% Apply Now 
*This includes a .50% discount for automatic payment and .25% Simply Rewarding participation Premium Level.  Rates are subject to change without notice throughout the life of the loan.  Annual Fee $50.00 is waived for the first year.  Incurred fees are waived up to $300.00 with an advance of $10,000.00 new money (non SSCU loan payoffs).
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Home Equity

Rates effective December 27, 2012
  Home Equity Loans  Term  APR *
Home Equity Loan up to 60 MonthsUp to 60 Months4.99% Apply Now 
Home Equity Loan up to 120 Months61 to 120 Months5.39% Apply Now 
Home Equity Loan up to 180 Months121 to 180 Months*5.60% Apply Now 
Home Equity Loan - up to 240 months181 to 240 Months*6.08% Apply Now 
*$25,000 mimimum.  Based on 70% LTV. **Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV, .50% discount for automatic payment, .25% discount for 70% LTV or less and .25% Simply Rewarding participation Premium Level, your rate may vary.  Rate example: If you borrow $10,000 at rate of 4.24% and APR of 4.99%  for 60 months, your monthly payment will be $188.68 per $10,000 borrowed.  Processing Fee $185.00 without coupon book and $195.00 with coupon book.  Incurred fees are waived up to $300.00 with an advance of $10,000.00 new money (non SSCU loan payoffs).
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Tiered Money Market Rates

 

Rates effective May 15, 2013
  High Yield Money Market  Dividend Rate  APY *
$.01 - $9,999.99.10%.10%   
$10,000.00 - $24,999.99.15%.15%   
$25,000.00 - $49,999.99.20%.20%   
$50,000.00 - $74,999.99.30%.30%   
$75,000.00 - $99,999.99.30%.30%   
$100,000.00 and above.40%.40%   
Minimum Balance to open a High-Yield Money Market Account is $2,000.  A service charge will be imposed each month if the balance in the account falls below $2,000 on any day of that monthly dividend cycle.  Service charge is $10.00.

1. Rates.  Rates are accurate as of May 15, 2013, and are subject to change at any time.  The ANNUAL PERCENTAGE YIELD (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.

2. Compounding and Crediting.  Dividends will be compounded and credited quarterly.

3. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day.  Dividends will begin to accrue on both cash and noncash deposits (e.g., checks) on the business day you deposit such items to your account.

4. Contact Seven Seventeen for more information about current rates, terms and fees.

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Checking Rates

 

Rates effective May 15, 2013
  Account*  Min. Balance  Dividend Rate  APY *
FREE CheckingNoneNoneNone   
Benefits Plus Checking*None.05%.05%   
WOW Checking!* on account balances up to $25,000 if monthly requirements are met**None1.49%1.50%   
WOW Checking* on balances above $25,000 or if monthly requirements are NOT met**None.05%.05%   

*The dividend rates and annual percentage yields are variable and may change at any time without prior notice.

**On account balances of $25,000.01 and greater, the account pays the same rate that is earned if monthly requirements are not met. Monthly requirements for the WOW Checking account are: Member must make 15 VISA Debit Card Point-of-Sale transactions from the WOW Checking account, receive eStatements, perform at least one online financial transaction from the WOW Checking! account with NetWorth24 Online Banking and Bill Pay, have a valid email address on file at Seven Seventeen, and have a direct deposit of $200 or more into the WOW Checking account each month.

1. Rates. Rates are accurate as of May 15, 2013and are subject to change at any time.  The ANNUAL PERCENTAGE YIELD (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.

2. Compounding and Crediting.  Dividends for Classic Checking and Benefits Plus Checking will be compounded and credited quarterly.  Dividends for WOW Checking will be compounded and credited monthly.

3. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day.  Dividends will begin to accrue on both cash and noncash deposits (e.g., checks) on the business day you deposit such items to your account.

4. Contact Seven Seventeen for more information about current rates, term, and fees.

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Business Checking Rates

Rates effective May 15, 2013
  Business Checking Accounts  Dividend Rate  APY *
FREE Business Checking AccountNoneNone   
Small Business Checking Account0.05%0.05%   

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High Yield Business Checking Account

Rates effective May 15, 2013
  High-Yield Business Checking Account  Dividend Rate  APY *
$ 0.01 - $ 4,999.99.00%.00%   
$ 5,000.00 - $ 14,999.990.10%0.10%   
$ 15,000.00 - $ 24,999.990.15%0.15%   
$ 25,000.00 - $ 49,999.990.20%0.20%   
$ 50,000.00 - $ 99,999.990.30%0.30%   
$ 100,000.00 and greater0.40%0.40%   

Business Checking Rate Information

1. Rate Information. Rates are accurate as of  May15, 2013and are subject to change at any time.  The Dividend Rate and ANNUAL PERCENTAGE YIELD (APY) on your account(s) are set forth above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Rates and APYs are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Except as otherwise noted, the Dividend Rate and APY for the above accounts are variable and may change at any time at the discretion of the Credit Union. The APY is based on an assumption that dividends will remain in the account. A withdrawal will reduce earnings. Tiering levels and their applicable dividend rates: if you choose this type of account, the dividend rate on your account will depend on the daily balance in your account. See above for specific tiers.

2. Rounding and Accuracy. Rounding: the APY, the APY Earned (APYE), and the dividend rate shall be rounded to the nearest one-hundreth of one percentage point (.01%) and expressed to two decimal places. For account disclosures, the dividend rate may be expressed to more than two decimal places. Accuracy: The APY (and the APYE) will be considered accurate if not more than one-twentieth of one percentage point (.05%) above or below the APR (and APYE).

3. Compounding and Crediting.  Dividends for the Small Business Checking Account and the High Yield Business Checking Account will be compounded and credited monthly. The dividend period begins on the first calendar day of each calendar quarter.

4. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day. 

5. Accrual of Dividends. Dividends will begin to accrue on both cash and noncash deposits (e.g., checks) on the business day you deposit such items to your account.

6. Contact Seven Seventeen for more information about current rates, term, and fees.

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Certificate Rates

The rate you earn on your certificate may vary based on your Rewards Level within the Simply Rewarding Member Rewards Program (not all members will qualify – ask for details). New deposits into a certificate may qualify you for a higher Rewards level and a higher rate. You must be a member of Seven Seventeen for 30 days to qualify for a Simply Rewarding certificate rate incease. All certificate terms less than 12 months are not eligible for Simply Rewarding rate increases. Click here for more information or ask a Seven Seventeen Representative.

Rates for New Members and Existing Members not in Simply Rewarding program*

Rates effective May 15, 2013

  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Day.05%.05%$1,000   
3 Month.10%.10%$1,000   
6 Month.15%.15%$1,000   
9 Month.15%.15%$1,000   
12 Month.03%.03%$1,000   
14 Month.06%.06%$1,000   
15 Month.06%.06%$1,000   
18 Month.05%.05%$1,000   
18 Month Bump.03%.03%$1,000   
24 Month.15%.15%$1,000   
24 Month Bump.11%.11%$1,000   
36 Month.30%.30%$1,000   
36 Month Bump.25%.25%$1,000   
60 Month.80%.80%$1,000   
60 Month Bump0.70%0.70%$1,000   
 
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Existing Member Rates at the Primary Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Days.05%.05%$1,000   
3 Month.10%.10%$1,000   
6 Month.15%.15%$1,000   
9 Month.15%.15%$1,000   
12 Month.08%.08%$1,000   
14 Month.11%.11%$1,000   
15 Month.11%.11%$1,000   
18 Month.10%.10%$1,000   
18 Month Bump.08%.08%$1,000   
24 Month.20%.20%$1,000   
24 Month Bump.16%.16%$1,000   
36 Month.35%.35%$1,000   
36 Month Bump.30%.30%$1,000   
60 Month.85%.85%$1,000   
60 Month Bump.75%.75%$1,000   

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Existing Member Rates at the Preferred Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Days.05%.05%$1,000   
3 Month.10%.10%$1,000   
6 Month.15%.15%$1,000   
9 Month.15%.15%$1,000   
12 Month.13%.13%$1,000   
14 Month.16%.16%$1,000   
15 Month.16%.16%$1,000   
18 Month .15%.15%$1,000   
18 Month Bump.13%.13%$1,000   
24 Month.25%.25%$1,000   
24 Month Bump.21%.21%$1,000   
36 Month.40%.40%$1,000   
36 Month Bump.35%.35%$1,000   
60 Month.90%.90%$1,000   
60 Month Bump.80%.80%$1,000   

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Existing Member Rates at the Premium Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Days.05%.05%$1,000   
3 Month.10%.10%$1,000   
6 Month.15%.15%$1,000   
9 Month.15%.15%$1,000   
12 Month.23%.23%$1,000   
14 Month.26%.26%$1,000   
15 Month.26%.26%$1,000   
18 Month.25%.25%$1,000   
18 Month Bump.23%.23%$1,000   
24 Month.35%.35%$1,000   
24 Month Bump.31%.31%$1,000   
36 Month.50%.50%$1,000   
36 Month Bump.45%.45%$1,000   
60 Month1.00%1.00%$1,000   
60 Month Bump.90%.90%$1,000   

*1. Rate Information.  Rates are accurate as of  May 15, 2013, and are subject to change at any time.  The ANNUAL PERCENTAGE YIELD (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.  The Dividend Rate and ANNUAL PERCENTAGE YIELD for Term Share Certificates is fixed and will be in effect for the term of the account.  The ANNUAL PERCENTAGE YIELD is based on an assumption that dividends will remain in the account unitl maturity.  A withdrawal will reduce earnings. 

2. Compounding and Crediting.  Dividends for the 30 day certificate will be compounded and credited monthly.  Dividends for all other certificates will be compounded and credited quarterly.  The dividend period for each Certificate is set above.  The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.  If you close your Certificate account before accrued dividends are credited, accured dividends will not be paid.

3. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day.

4. Accrual and Dividends.  Dividends will begin to accrue on both cash and noncash (e.g., checks) on the business day you deposited such items to your account.

5. Fees and Charges.  Fees could reduce earnings on certificates. Click here to download our Service Charge Schedule.

6. Transaction Limitations.  After the Certificate account is opened, you may not make deposits into the account until the maturity date.  After dividends have been credited to your account at the indicated frequency, you may withdraw dividends in any amount.

7. Maturity Date.  Your account will mature at the end of the term.

8. Early Withdrawal Penalty.  A penalty will be imposed if you withdraw any of the principal before the maturity date.  The amount of the penalty is as follows:
Certificate Term  Withdrawal Penalty
Less than 6 months 30 days of dividends or all earnings whichever is greater
6 to 12 months 90 days of dividends
Greater than 12 months but less than or equal to 60 months 180 days of dividends
Greater than 60 months   270 days of dividends

9. Renewal Policies.  Your Certificate account will automatically renew at maturity.  You will have a grace period of 10 calendar days after the maturity date to withdraw funds in the account without being charged an early withdrawal penalty.  Dividends credited to your account and not withdrawn prior to renewal are added to the principal and may not be withdrawn without incurring an early withdrawal penalty.

10. Nature of Dividends.  Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.  The Dividend Rates and Annual Percentage Yields are rates and yields that the Credit Union has offered within the most recent seven (7) calendar days.  They are accurate as of the date specified above.  You may call any Seven Seventeen office to obtain current rates and yields.

11. Share Insurance.  Member accounts in Seven Seventeen Credit Union are FEDERALLY insured up to $250,000.

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IRA Certificate Rates

The rate you earn on your IRA certificate may vary based on your Rewards Level within the Simply Rewarding Member Rewards Program (not all members will qualify – ask for details). New deposits into an IRA certificate may qualify you for a higher Rewards level and a higher rate. You must be a member of Seven Seventeen for 30 days to qualify for a Simply Rewarding IRA certificate rate increase. All IRA certificate terms less than 12 months are not eligible for Simply Rewarding rate increases.  Click here for more information or ask a Seven Seventeen Representative.

Rates for New Members and Existing Members not in Simply Rewarding program*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Days.02%.02%$500   
6 Month*.13%.13%$500   
9 Month*.13%.13%$500   
12 Month*.02%.02%$500   
14 Month.04%.04%$500   
15 Month*.04%.04%$500   
18 Month*.05%.05%$500   
18 Month Bump.02%.02%$500   
24 Month*.10%.10%$500   
24 Month Bump.08%.08%$500   
36 Month*.30%.30%$500   
36 Month Bump*.25%.25%$500   
60 Month*.80%.80%$500   
60 Month Bump*.72%.72%$500   
 
* Terms available for Roth IRA.

1. Rate Information.
  Rates are accurate as of May15, 2013, and are subject to change at any time.  The ANNUAL PERCENTAGE YIELD (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.  The Dividend Rate and ANNUAL PERCENTAGE YIELD for Term Share Certificates is fixed and will be in effect for the term of the account.  The ANNUAL PERCENTAGE YIELD is based on an assumption that dividends will remain in the account unitl maturity.  A withdrawal will reduce earnings. 

2. Compounding and Crediting.  Dividends for the 30 day certificate will be compounded and credited monthly.  Dividends for all other certificates will be compounded and credited quarterly.  The dividend period for each Certificate is set above.  The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.  If you close your Certificate account before accrued dividends are credited, accured dividends will not be paid.

3. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day. 

4. Accrual and Dividends.  Dividends will begin to accrue on both cash and noncash (e.g., checks) on the business day you deposited such items to your account.

5. Fees and Charges.  Fees could reduce earnings on certificates. Click here to download our Service Charge Schedule.

6. Early Withdrawal Penalty.  A penalty will be imposed if you withdraw any of the principal before the maturity date.  Early withdrawal could reduce earnings on certificates.

7. Other certificate terms and yields are available.

8. Contact Seven Seventeen.  For more information about current rates, terms, and fees.  Seven Seventeen may offer different rates in the future.

9. Share Insurance.  Member accounts in Seven Seventeen Credit Union are FEDERALLY insured up to $250,000.


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Existing Member Rates at the Primary Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Day.02%.02%$500   
6 Month*.13%.13%$500   
9 Month*.13%.13%$500   
12 Month*.07%.07%$500   
14 Month.09%.09%$500   
15 Month*.09%.09%$500   
18 Month*.10%.10%$500   
18 Month Bump.07%.07%$500   
24 Month*.15%.15%$500   
24 Month Bump.13%.13%$500   
36 Month*.35%.35%$500   
36 Month Bump*.30%.30%$500   
60 Month*.85%.85%$500   
60 Month Bump*.77%.77%$500   

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Existing Member Rates at the Preferred Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Day.02%.02%$500   
6 Month*.13%.13%$500   
9 Month*.13%.13%$500   
12 Month*.12%.12%$500   
14 Month.14%.14%$500   
15 Month*.14%.14%$500   
18 Month*.15%.15%$500   
18 Month Bump.12%.12%$500   
24 Month*.20%.20%$500   
24 Month Bump.18%.18%$500   
36 Month*.40%.40%$500   
36 Month Bump*.35%.35%$500   
60 Month*.90%.90%$500   
60 Month Bump*.82%.82%$500   

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Existing Member Rates at the Premium Rewards Level*

Rates effective May 15, 2013
  Term  Dividend Rate  APY *  Minimum Opening Deposit
30 Day.02%.02%$500   
6 Month*.13%.13%$500   
9 Month*.13%.13%$500   
12 Month*.22%.22%$500   
14 Month.24%.24%$500   
15 Month*.24%.24%$500   
18 Month*.25%.25%$500   
18 Month Bump.22%.22%$500   
24 Month*.30%.30%$500   
24 Month Bump.28%.28%$500   
36 Month*.50%.50%$500   
36 Month Bump*.45%.45%$500   
60 Month*1.00%1.00%$500   
60 Month Bump*.92%.92%$500   

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Savings



Savings Accounts

Rates effective May 15, 2013
  Membership Savings  Min. Balance  Dividend Rate  APY *
Membership Savings$50 to earn dividends.10%.10%   
Easy Savings$50 to earn dividends.10%.10%   
Christmas Club$50 to earn dividends.10%.10%   
Vacation Club$50 to earn dividends.10%.10%   
IRA Savings Accounts$50 to earn dividends.10%.10%   
Business Savings*$50 to earn dividends.10%.10%   
1. Rates are accurate as of May 15, 2013 and are subject to change at any time.  The ANNUAL PERCENTAGE YIELD (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.

2. Compounding and Crediting.  Dividends will be compounded and credited quarterly.

3. Balance Computation Method.  Dividends are calculated by the Daily Balance Method, which applies a daily periodic rate to the balance in your account each day.  Dividends will begin to accrue on both cash and noncash deposits (e.g., checks) on the business day you deposit such items to your account.

4. Contact Seven Seventeen for more information about current rates, terms and fees.

*See Business Service Charge schedule for a list of fees and charges that may be assessed against your account. Fees not available in this account may be deducted from other accounts you have in this Business name.

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Check out our VISA Rates here.



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