|
 |
Risk-Based| Loans| Savings| Certificates
|
Rates are effective 07/13/2010 and are subject to change without notice. Loan rates are competitive and based on each member's credit score and loan term. We do have an "E" credit group, call for rates. You can get 1/4 % off your stated loan rate for maintaining an active checking account. An active checking account is at least six transactions per month. Ask your loan officer for details. Or, have you been a member for 70 months? If the answer is yes, then take 0.70% off the stated rate below for fixed auto and home equity loans and thanks for helping us celebrate our 70th anniversary.
|
Auto
| Credit Rating |
+A
> APR* |
A
> APR* |
B
> APR* |
C
> APR* |
D
> APR* |
| 24 Months |
4.99 |
4.99 |
5.25 |
6.50 |
7.99 |
| 36 Months |
5.25 |
5.25 |
5.50 |
6.75 |
8.25 |
| 48 Months |
5.50 |
5.50 |
5.75 |
6.99 |
8.50 |
| 60 Months |
5.75 |
5.75 |
5.99 |
7.25 |
8.75 |
| 72 Months |
5.99 |
5.99 |
6.25 |
7.50 |
8.99 |
| 84 Months |
6.25 |
6.25 |
6.50 |
7.75 |
9.25 |
Home Equity Loans
| Credit Rating |
+A
> APR* |
A
> APR* |
B
> APR* |
C
> APR* |
D
> APR* |
| 36 Months |
4.99 |
4.99 |
5.25 |
6.50 |
7.75 |
| 60 Months |
5.25 |
5.25 |
5.50 |
6.99
|
7.99 |
| 84 Months |
5.50 |
5.50 |
5.75 |
7.25 |
8.25 |
| 120 Months |
5.75 |
5.75 |
5.99 |
7.50 |
8.50 |
| 180 Months |
5.99 |
5.99 |
6.25 |
7.99 |
8.99 |
| 240 Months |
6.25 |
6.25 |
6.50 |
8.25 |
9.25 |
Signature
| Credit Rating |
+A
> APR* |
A
> APR* |
B
> APR* |
C
> APR* |
D
> APR* |
| 24 Months |
8.75 |
8.75 |
8.99 |
9.50 |
12.25 |
| 36 Months |
8.99 |
8.99 |
9.25 |
9.99 |
12.50 |
| 48 Months |
9.25 |
9.25 |
9.50 |
10.25 |
12.99 |
| 60 Months |
9.50 |
9.50 |
9.75 |
10.50 |
13.25 |
| 72 Months |
9.75 |
9.75 |
10.25 |
10.75 |
13.75 |
| Rates are effective 07/13/2010 and are subject to change without notice. |
| Loans |
Rate |
APR* |
Term |
|
| Home Equity Line of Credit Loans (variable 0% over Wall St Prime) |
3.25 |
3.25 |
n/a |
Calculator |
| Share Secured Loans |
5.000 |
5.000 |
144 |
Calculator |
| Certificate of Deposit Loans 3% over CD APR |
3.000 |
3.000 |
n/a |
Calculator |
| Stock Secured Loans (80% of current market value) |
7.000 |
7.000 |
n/a |
Calculator |
| Motorcycle Loans |
7.000 |
7.000 |
60 |
Calculator |
| Personal Line of Credit Loans (variable 4% over Wall St Prime) |
7.25 |
7.25 |
n/a |
Calculator |
| Overdraft Protection Loans |
10.50 |
10.50 |
n/a |
Calculator |
| Educational Unsecured Loans (variable rate Wall St Prime plus 2.50% Interest only Payments) |
5.75 |
5.75 |
n/a |
Calculator |
| Educational Secured Loans (variable rate Wall St Prime plus 1.00% Interest only Payments) |
4.25 |
4.25 |
n/a |
Calculator |
| VISA Classic (Credit Limits $300-$4999) |
12.99 |
12.99 |
n/a |
|
| VISA Platinum (Credit Limits $5000 and Up) |
10.99 |
10.99 |
n/a |
|
Loan cancellation fee of $35 will be taken if after pre-approval for loan, member cancels the loan application. All loan approvals are valid for 30 days after which time the RFCU Loan Department will consider the application stale-dated.
Go To Loan Application | Go To Calculators | Back to Top
|
| $100 balance required to earn dividends, which are compounded daily. Rates are effective 07/13/2010 and are subject to change without notice. |
| Savings |
Rate |
APY* |
Term |
| Savings and Club Accounts |
0.50 |
0.50 |
n/a |
| Money Market-Silver (Balances $1000-$4999) |
.55 |
.55 |
n/a |
| Money Market-Gold (Balances $5000-$14999) |
.60 |
.60 |
n/a |
| Money Market-Platinum (Balances $15000 or more) |
.65 |
.65 |
n/a |
All CDs and IRAs require a minimum $500 deposit. 12 months to 60 months CDs are available for all IRA investments. For a Jumbo CD we add 1/4% onto the stated APR for the term you choose. Rates are effective 07/13/2010 and are subject to change without notice. A penalty may be imposed for early withdrawal. Call us at 800-458-7004 for CD specials. Or, have you been a member for 70 months? If the answer is yes, then take 0.07% and add it to the stated yield below for CDs and thanks for helping us celebrate our 70th anniversary.
|
| Certificates |
Rate |
APY* |
Term |
|
Certificate of Deposit
|
.70 |
.70 |
3 |
| Certificate of Deposit |
.75 |
.75 |
6 |
| Certificate of Deposit |
.80 |
.80 |
12 |
| Certificate of Deposit |
.85 |
.85 |
24 |
| Certificate of Deposit |
.90 |
.90 |
36 |
| Certificate of Deposit |
.95 |
.95 |
48 |
| Certificate of Deposit |
1.00 |
1.00 |
60 |
| Maximzer Certificate of Deposit |
1.15 |
1.16 |
30 |
|
