We Have Your Best Interests At Heart

Whether you're building up your savings account or getting a loan with maximum value, our rates are structured to work for you so can achieve your financial goals.

Share & IRA Certificates1

Rates in effect as of September 24, 2017
APY = Annual Percentage Yield
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
3 Months $500.00 $500.00 0.20% 0.20%
6 Months $500.00 $500.00 0.25% 0.25%
12 Months $500.00 $500.00 0.50% 0.50%
12 Months Jumbo $100,000.00 $100,000.00 0.60% 0.60%
13 Months $500.00 $500.00 0.60% 0.60%
18 Months $500.00 $500.00 0.70% 0.70%
24 Months $500.00 $500.00 0.75% 0.75%
25 Months $500.00 $500.00 0.75% 0.75%
30 Months $500.00 $500.00 0.90% 0.90%
33 Months $500.00 $500.00 1.00% 1.00%
36 Months $500.00 $500.00 1.09% 1.10%
50 Months $500.00 $500.00 1.29% 1.30%
60 Months $500.00 $500.00 1.49% 1.50%

1Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. The Annual Percentage Yield assumes dividends and principal will remain on deposit until maturity. A withdrawal will reduce earnings. Any withdrawal of principal from certificates before maturity will be subject to penalty. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Share Accounts2

Rates in effect as of September 24, 2017
APY = Annual Percentage Yield
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Member Savings Account3 $5.00 $0.01 0.15% 0.15%
Special Savings Account $5.00 $0.01 0.15% 0.15%
Club Accounts - Holiday & Vacation $5.00 $0.01 0.15% 0.15%
Coverdell Education Savings Account $5.00 $0.01 0.15% 0.15%
IRA Savings Account2 $5.00 $0.01 0.15% 0.15%
Early Advantage Account4 $5.00
Balances $.01 to $500.00
$0.01 2.96% 3.00%
Balances $500.01 and over
$500.01 0.15% 0.15%

2Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

3Minimum $5.00 balance must be maintained at all times.

4To open an Early Advantage Account the primary must be under 18 years of age. For minors under the age of 13, we require a parent or legal guardian as a joint owner on the account. Limit one Early Advantage Account per minor.

Money Market Savings Account5

Rates in effect as of September 24, 2017
APY = Annual Percentage Yield
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Money Market Savings Account $5.00
$.01 to $999.99 $0.01 0.15% 0.15%
$1,000 to $9,999.99 $1,000.00 0.20% 0.20%
$10,000 to $24,999.99 $10,000.00 0.30% 0.30%
$25,000 to $49,999.99 $25,000.00 0.35% 0.35%
$50,000 to $74,999.99 $50,000.00 0.40% 0.40%
$75,000 to $99,999.99 $75,000.00 0.45% 0.45%
$100,000 and over $100,000.00 0.50% 0.50%

5 Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Checking Accounts6

Rates in effect as of September 24, 2017
APY = Annual Percentage Yield
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Free Checking Account $25.00 None N/A N/A
Daily Money Market Account7 $1,000.00 $1,000.00 0.20% 0.20%

6Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open.

7The minimum withdrawal or transfer permitted from this account is $500. There is no limit on the number of withdrawals or transfers you may make from this account, provided each withdrawal or transfer is for at least $500.

Mortgage & Home Equity Rates

Rates in effect as of September 21, 2017

Auto & Other Loan Rates

Effective as of September 24, 2017 and are subject to change without notice.
APR = Annual Percentage Rate
$ Per $1,000 means Monthly Payment per $1,000 borrowed.
Type Interest Rate as low as1 APR as low as $ Per $1,0003 Terms and Rates Available
New Auto 1.99% 1.99% $28.64

Up to 36 Months. Other terms and rates available up to 78 months.
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New Auto 2.29% 2.29% $17.66 37-60 Months.
Other Terms and rates available up to 78 months.
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Used Auto 1.99% 1.99% $28.64

Up to 36 months on model years 2014 or newer.
Other terms and rates available up to 72 months.
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Used Auto 2.65% 2.65% $28.93

Up to 36  months on model years 2012-2013.
Other terms and rates available up to 66 months.
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Used Auto 2.29% 2.29% $17.66 37-60 months on model years 2014 or newer.
Other terms and rates available up to 72 months.
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Auto Refinance1 1.99% 1.99% $28.64

Up to 36 months on model years 2013 or newer. Other terms and rates available up to 60 months.
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Auto Refinance1 2.65% 2.65% $16.17

61 to 66 months on model years 2013 or newer. Other terms and rates up to 72 months. 
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Auto Refinance1 2.29% 2.29% 17.66 37-60 months on model years 2013 or newer.
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New Boat 5.49% 5.49% $19.10

Up to 60 months.
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Used Boat 5.99% 5.99% $19.33

Up to 60 months.
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New Motorcycle 2.99% 2.99% $29.08

Up to 36 months.
Other terms and rates available up to 60 months.
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Used Motorcycle 3.49% 3.49% $29.30

Up to 60 months.
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Personal Loan 9.74% 9.74% $21.12

Up to 60 months.
Unsecured Loan.
Maximum Loan: $25,000
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Advantage Loan2 8.99% 8.99% $31.80

Up to 36 months.
Unsecured Loan.
Maximum Loan: $5,000.
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Line One 13.00% 13.00% ---

Unsecured open-end personal line of credit.
Maximum Line:  $15,000.
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Actual rates may vary. These are the minimum rates that Sikorsky Credit Union may charge.  Your rate will be determined by your credit history and term selected and may range from 1.99% to 14.84% for new/used auto loan; 5:49% to 14:99% for new boat loans; 2.99% to 14.99% for new motorcycle loans; 9.74% to 17.74% for personal loans; 13.00% to 17.50% for Line-One. Other rates and terms available.  Subject to credit evaluation. Terms and conditions may apply. Rates include a .25% discount for automatic payment from a Sikorsky Credit Union account. Contact the Lending Department at (203) 377-2252 for specific details.

1Standard vehicle financing guidelines apply. Existing Sikorsky Credit Union auto loans not eligible. For qualified borrowers only. Offer may end at any time. Other terms and rates available for model years 2006-2010.

2The .25% discount for automatic payment from a Sikorsky Credit Union account does not apply.

3Dollars per $1,000 is based on the maximum term allowed per loan product type.

Credit Card Rates1

Rates Effective as of September 24, 2017  and are subject to change without notice.
APR = Annual Percentage Rate
Type Current Variable APR Terms
VISA Classic 13.90%

Credit lines available from $500 to $25,000.

Rate is determined by adding 9.65% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

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VISA Platinum 10.75%

Credit lines available from $500 to $25,000.

Rate is determined by adding 6.50% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

Scorecard Program 2 – Learn more.

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Student VISA Platinum 13.90%

Credit lines available from $500 to $1,500.

Rate is determined by adding 9.65% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

Scorecard Program 2 – Learn more.

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1No annual fee. Your APR may vary. The Prime Rate used to determine your APR is published in the “Money Rates” table of the Wall Street Journal on the last business day of the preceding month.

2Scorecard Program link – Every retail dollar charged earns redeemable points. Points expire in 48 months; each year thereafter points will expire yearly.