Rates are effective: 2-1-2012 through 2-29-2012.
*Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly. Annual Percentage Yield (APY).

**Advantage Checking. $2,000 Minimum checking account balance. Personal Accounts Only. Interest calculated daily. Minimum $200 Direct Deposit monthly. Ten posted Debit Card transactions by close of business on last day of the month. Must be signed up for online banking and eStatements. 

***Privilege Checking. $25,000 Minimum checking account balance. Personal Accounts Only. Interest calculated daily. Minimum $200 Direct Deposit monthly. Must be signed up for online banking and eStatements.
****Bump-Up CD's. 1-time bump-up during term. Can add new money at time of bump-up. Except for Jumbo Bump-Ups, minimum opening bal. of $500.

1. In the case of early withdrawals of the principal amount or any portion thereof, a penalty will be imposed. SDFCU reserves the right to require 24 hours written notice of your intent to withdraw. Penalties are assessed at the time of withdrawal and are calculated as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month and longer Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. No penalty will be imposed if the withdrawal is a result of voluntary or involuntary liquidation of the Credit Union or upon death of the member.
2. In the case of early withdrawals of the principal amount or any portion thereof, a penalty will be imposed. You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. SDFCU penalties are imposed only on actual dividends earned and not on the principal certificate amount. No SDFCU penalties will be imposed if the withdrawal is subsequent to your death, nor if the withdrawal is the result of voluntary or involuntary liquidation of the credit union

3. Loan Payments = based on term and APR. (Ex. 60 monthly payments of $18.80 per $1,000 borrowed at a rate of 3.99%).
4. Owner Occupied up to a 90% LTV with a maximum term of 15 years. $5,000 minimum loan amount
5. Owner Occupied up to 125% LTV with a maximum term of 10 years. $5,000 minimum loan amount, $100,000 maximum loan amount
6. Investment Properties up to 70% LTV with a maximum term of 10 years, $5,000 minimum loan amount, $50,000 maximum loan amount
7. Owner Occupied up to a 95% LTV with a minimum loan amount of $10,000 and a maximum loan amount of $300,000. The minimum monthly payment will equal   1.0% of the principal balance outstanding or $100.00 whichever is greater.