Sb1 Federal Credit Union

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All Sb1 Rates

Why pay more? - Consolidate your higher interest debt onto a new Sb1 Visa Credit Card. You'll only have to worry about a single monthly payment.Transfer those high charging credit card payments to a new Sb1 Visa Credit Card. With Sb1, we don't have any hidden rates. What you see is what you get. Start saving yourself money each month.

Consolidate and transfer your balances today...

Share Savings & Share Draft Checking
Type	Minimum Balance	Annual Percentage Yield	Dividend Rate
Share Account (Savings)	$0.00*	0.40%	0.40%
Christmas & Vacation Club	$0.00*	0.40%	0.40%
Share Draft (Checking)	$0.00*	0.25%	0.25%
Health Savings Account	$0.00*	1.00%	1.00%
Rates are accurate as of 9/1/2010 and are subject to change without notice. *Although each of Sb1's individual accounts do not require any minimum balances, Sb1 membership does require a minimum balance of at least $5.00 to remain open. To be a member and maintain accounts at our Credit Union, you must purchase this $5.00 share in the Credit Union. Your $5.00 balance can be held in any one of your accounts. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are compounded monthly and are credited monthly. Dividends are paid on balances over $5.00. dividends are paid on the last day of the month and at account closing. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account. All dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. The rates may change after the account is opened. any fee imposed may reduce the earnings on your account. During any statement period, you may make not more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six withdrawals may be made by check, draft, or debit card, if applicable, or by similar order to a third party.

Elite Money Market/ IRA*
Tier Balance	Annual Percentage Yield	Dividend Rate
$0.00 to $2,499.99 (Variable IRA only)	0.40%	0.40%
$2,500 - $9,999.99	0.40%	0.40%
$10,000 - $24,999.99	0.55%	0.55%
$25,000 - $99,999.99	0.70%	0.70%
$100,000 and up	0.95%	0.95%
Rates are accurate as of 9/1/2010 and subject to change without notice. Some restrictions do apply to the Sb1 Elite Money Market Account. Although you can make transfers to your Money Market Account via NetBanker, account access is not available through ATMs or through Sb1's BillPay service. Up to six (6) preauthorized, automatic, telephone transfers or withdrawals may be made from each Money Market Account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. Any checks drawn on your Money Market Account must be for an amount of $250 or more. If you exceed these limitations, your account may be subject to a fee or be closed. There is no minimum balance required to open an Sb1 Money Mmarket Account, however to start earning interest the minimum balance is $2,500. If you make in excess of 6 transactions per month (writing checks, transfers) or you draw checks in an amount less than $250, your account will be subject to fees. Fees could reduce the earnings on the account. Elite Money Market dividends are calculated monthly on your entire balance in the tier your balance falls in for that month. For example, if your balance is $15,500.00 for the first 15 days in the month, you will earn the dividend rate for tier 2 on the entire balance in the account, for 15 days. If your balance is $7,500.00 for the last 15 days of the month, you will earn the dividend rate for tier 1 on the entire balance in the account for 15 days. *IRA rates apply to Traditional, Roth and Education Savings Accounts (formerly education IRAs). There may be a penalty for early withdrawal. Non-IRA deposits at Sb1 are Federally insured to at least $250,000 by the NCUA (National Credit Union Administration), a U.S. government agency. Members who own a Jumbo Certificate ($99,000 minimum) are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, a private property and casualty insurer, as well as the $250,000 from the NCUA. IRA deposits at Sb1 are federally insured up to at least $250,000 by NCUA. Members who own a jumbo IRA ($99,000 minimum) are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, a private property and casualty insurer, as well as the $250,000 from the NCUA. This combination of private/Federal insurance is a unique benefit provided to our Credit Union members, and solidifies our position as one of the nation's safest institutions. If you are interested in more information about your coverage, please contact us at 800.806.9465.

Share Certificates / Individual Retirement Account (IRA)*
Share Certificates Minimum Balance $500	Dividend Rate	APY

3-month Share Certificate/IRA	0.50%	0.50%
6-month Share Certificate/IRA	0.60%	0.60%
12-month Share Certificate/IRA	0.85%	0.85%
24-month Share Certificate/IRA	1.59%	1.60%
36-month Share Certificate/IRA	1.83%	1.85%
48-month Share Certificate/IRA	2.08%	2.10%
48-month JUMP** Share Certificate/IRA	2.08%	2.10%
60-month Share Certificate/IRA	2.57%	2.60%

Rates are accurate as of 9/1/2010 and are subject to change at any time without notice. IRA rates apply to traditional, roth and education savings accounts (formerly education IRA). there may be a penalty for early withdrawal. Non-IRA deposits at Sb1 are Federally insured to at least $250,000 by the NCUA (National Credit Union Administration), a U.S. government agency. Members who own Share Certificates/IRAs $99,000 and above are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, a private property and casualty insurer, as well as the $250,000 from the NCUA. IRA deposits at Sb1 are federally insured up to at least $250,000 by NCUA. Members who own a Jumbo IRA ($99,000 minimum) are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, a private property and casualty insurer, as well as the $250,000 from the NCUA. This combination of private/Federal insurance is a unique benefit provided to our Credit Union members, and solidifies our position as one of the nation's safest institutions. If you are interested in more information about your coverage, please contact us at 800.806.9465. *48-month JUMP Regular Share Certificate/IRA requires a $10,000 minimum deposit, Jumbo requires a $99,000 minimum deposit. There may be a penalty for early withdrawal. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are be compounded monthly and are credited monthly. All Certificate dividend rates are fixed for the term of the Certificate. The Annual Percentage Yield is based on the assumption that dividends will remain on deposit until maturity. Premature withdrawal will reduce earnings. There may be a penalty for early withdrawal. Member may choose maturity day for certificates with term ranges. Any fee imposed may reduce the earnings on your account. The dividend rates and Annual Percentage Yields may change at any time at the discretion of the Sb1 Federal Credit Union Board of Directors. The Credit Union reserves the right to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them except for those amounts paid into Share Draft/Checking Accounts.

Consumer Loans
Vehicle Loans	APR* (As low as)	Maximum Term
New Auto	5.99%	60 months
New Auto	5.99%	72 months ($20,000 minimum)
Used Auto	6.49%	60 months
Classic Auto	7.49%	60 months
New Motorcycle	6.99%	60 months
Used Motorcycle	7.49%	60 months
New Boat/Watercraft	6.99%	60 months
Used Boat/Watercraft	7.49%	60 months
New Motor Home/RV	6.99%	60 months
New Motor Home/RV	7.99%	84 months
Used Motor Home/RV	7.49%	60 months
Used Motor Home/RV	8.49%	84 months
Unsecured Loans	APR*	Maximum Term
Student Loans Guaranteed by PA Higher Education Assistance Agency (PHEAA)	Rates set by the government
Signature	As low as 13.00%	60 months
Computer	As low as 8.15%	36 months
Share Secured	Share Rate +3%	120 months
Certificate Secured	Certificate Rate +3%	120 months
QuickCA$H Line-of-Credit	12.25%
VISA Platinum Card	11.88% fixed
VISA Gold Card	12.96% fixed
VISA Classic Card	14.88% fixed
VISA Secured Card	17.90% fixed ($25 Annual Fee)
Rates are effective as of 9/1/2010 and subject to change without notice. *APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time.

Mortgage Rates
30 year terms	Rate	Points	APR
30 Year fixed (as low as)	4.500%	0.000%	4.528%
30 Year fixed (as low as)	4.375%	1.000%	4.488%
30 Year fixed (as low as)	4.125%	2.000%	4.322%
30 Year fixed (as low as)	4.000%	3.000%	4.282%
20 year terms	Rate	Points	APR
20 Year fixed (as low as)	4.375%	0.000%	4.413%
20 Year fixed (as low as)	4.250%	1.000%	4.405%
20 Year fixed (as low as)	4.125%	2.000%	4.398%
20 Year fixed (as low as)	4.000%	3.000%	4.392%
15 year terms	Rate	Points	APR
15 Year fixed (as low as)	4.000%	0.000%	4.048%
15 Year fixed (as low as)	3.875%	1.000%	4.072%
15 Year fixed (as low as)	3.750%	2.000%	4.097%
15 Year fixed (as low as)	3.625%	3.000%	4.123%
Rates are effective as of 9/2/2010 and subject to change without notice. *APR = Annual Percentage Rate. Mortgage Loans are not available in CA, TX, WV, and PR; Home Equity Loans are not available in TX, PR. Payment Example: For example, if you borrow $200,000 for 360 monthly payments at 4.500%, you would make monthly payments of $1,013.37 at an APR of 4.528%. this is only an example, your rate may vary based on a number of factors such as down payment, credit score, property value, and so forth.

Home Loans
Loan Type	Loan to Value	APR*	Maximum Term
Home Equity Fixed Rate	80%	as low as 4.24%	5 years
Home Equity Fixed Rate	80%	as low as 4.74%	10 years
Home Equity Fixed Rate	80%	as low as 5.74%	15 years
Home Equity Fixed Rate	100%	as low as 7.24%	15 years
Home Equity Adjustable 5/1 Rate	80%	4.25%	15 years
Home Equity Line-of-Credit (Variable at Prime + 1.50%)	100%	4.75%	15 years
Home Equity Line-of-Credit (Variable at Prime + 0.00% with a floor rate of 4.00%)	80%	4.00%	15 years
Rates are effective as of 9/1/2010 and subject to change without notice. Members wishing to take advantage of our new lower rates will have to borrow 5.00% or more of their current Sb1 Home Equity loan balance to cover the cost of refinancing their current loan. *APR = Annual Percentage Rate. Mortgage loans are not available in CA, TX, WV, and PR; Home Equity loans are not available in TX, PR. Monthly payment example for a 5-year Sb1 Home Equity loan at 5.24% APR consists of 60 monthly payments of $18.98 per $1,000 borrowed. The payment would be the greater of (1) .20% plus 1/12 of the then current Annual Percentage Rate or (2) .75% of the outstanding balance or (3) $108.00. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. All loans are subject to a maximum APR of 18%. There is a $25 fee for any Home Equity Line-of-Credit checks written for less than $500. Closing costs for any Sb1 Home Equity/HELOC are $95 and up depending on geographic area. Call for details.

Tools & Resources

	All Sb1 Rates

	Anytime Adviser

	Automobile Purchase Program

	Calculators

	Sb1 Financial Strategies

	Fee Schedule

	Financial Management Center

	Forms

	Free Credit Reports

	HSA Service Center

	Free Insurance Quotes

	IDTheft / Fraud Prevention

	IRA/Retirement Central

	Legal Services

	Long-Term Care Planning

	Lost or Stolen Visa Card

	MVCP (Car Buying Service)

	MoneyTalk Newsletter

	Put your Debt in Focus

	Security

	Self-Directed Online Trading

	Understanding your FICO score

	Useful Links

	2009 Annual Report

Why pay more?

Transfer those high charging credit card payments to a new Sb1 Visa Credit Card. With Sb1, we don't have any hidden rates. What you see is what you get. Start saving yourself money each month.

Consolidate and transfer your balances today...