Rates & Fees

SAVINGS RATES  
Savings Rate (No minimum) 0.10% APR
  0.10% APY
Share Draft Rate (No Minimum) 0.05% APR
  0.05% APY
CERTIFICATES OF DEPOSIT RATES  
Savings  
6 Month ($1,000 Minimum) 0.25% APR
  0.25% APR
1 Year ($1,000 Minimum) 0.35% APR
  0.35% APY
18 Month ($1,000 Minimum) 0.45% APR
  0.45% APY
2 1/2 Year ($1,000 Minimum) 0.60% APR
  0.60% APY
CERTIFICATES OF DEPOSIT RATES  
IRA (Individual Retirement Acct)  
6 Month ($1,000 Minimum) 0.25% APR
  0.25% APY
1 Year ($1,000 Minimum) 0.35% APR
  0.35% APY
18 Month ($1,000 Minimum) 0.45% APR
  0.45% APY
2 1/2 Year ($1,000 Minimum) 0.60% APR
  0.60% APY
LOAN RATES  
Share Secured 2.00% + Dividend Rate

CD Secured

2.00% + Dividend Rate
Unsecured - Terms up to 36 months 9.00% to 11.00% (Base Rate) (*)
New Cars (Base Rates)

3.00% Up to 48 months(*)





3.25% Up to 60 months(*)
  6.00% Up to 72 months(*)
Used Car Rates 4.00% - Terms & Model Years vary(*) 
(*) Rate varies based on credit score.  
VISA Card  
12.9%



No Annual Fee
 

Note: Interest rates change on a weekly basis. Please contact us for current rates.

 

FEES  
Service Fee Schedule  
Effective January 1, 2015  
Account Statement Reprint $5.00
Account Balancing Assistance N/C
Account Closing (within 90 days) $25.00
Account Research $20.00 hr.
ATM Card (Lost/Stolen) $6.00
ATM PIN Reminder $6.00
ATM Withdrawals $1.50
ATM Denials $1.00
ATM NSF Fees $28.00
Checking Account Request Denial Fee $5.00
Copy of Cancelled Check (Mail) $2.00
Copy of Cancelled Check (Fax) $3.00
Credit Application Denial Fee  $25.00 
Credit Card Limit Increase Request $25.00
Dormant Accounts (per qtr.) $10.00
Early W/D from Xmas Club $20.00
 Late Payment Fee $25.00 
Loan Denial Fee $25.00
Loan Add-On Fee $25.00
Minimum Balance Fee Mo. (<$50) $5.00
Monthly Paper Statement Fee  $2.00 
NSF Checks $28.00
Replacement “Synergy” ID $2.00
Return Mail Fee $3.00
Reopen account fee $20.00
Special Statements/Cutoffs $5.00
Stop Payments (Checking/ACH) $25.00
Stop Payments (CU Checks)

$25.00

Void Issued Check Fee  $3.00 

 

Synergy Partners Credit Union | 11615 S. Avenue "O", Chicago, Illinois 60617.
Phone: 773-646-3000 | Fax: 773-646-5682 | 24hr access 773-646-6197 | Online access  shareteccu.com/synergypartners

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