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 Secured2.00% + Dividend Rate
CD Secured2.00% + Dividend Rate
Unsecured - Terms up to 36 months9.50% (Base Rate) (*)
New Cars (Base Rates)3.50% (Base Rate)(*)
Used Car Rates3.60% - (Base Rate)(*)
VISA Card12.9%
No Annual Fee

(*) Rate varies based on credit score.

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

FEES
Service Fee Schedule. Effective January 1, 2017
Account Statement Reprint$5.00
Account Balancing AssistanceN/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
Online access: shareteccu.com/synergypartners

National Credit Union Administration