Rates






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Rates are effective 05/27/14 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.


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Credit Rating +A
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APR*
A
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APR*
B
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APR*
C
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APR*
D
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APR*
24 Months 1.75 1.75 2.25 4.50 7.99
36 Months 2.50 2.50 2.75 4.75 8.25
48 Months 2.75 2.75 3.50 4.99 8.50
60 Months 2.99 2.99 3.99 5.50 8.75
72 Months 3.25 3.25 4.50 5.99 8.99
84 Months 3.50 3.50 4.99 6.25 9.25

 

 Home Equity Loans

Credit Rating +A
>
APR*
A
>
APR*
B
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APR*
C
>
APR*
D
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APR*
36 Months 3.25 3.25 3.50 5.75 7.75
60 Months 3.75 3.75 4.25

6.99

8.99
84 Months 4.25 4.25 4.75 7.99 9.99
120 Months 4.75

4.75

5.25 8.50 10.25
180 Months 4.99 4.99 5.50 9.50 10.99
240 Months 5.50 5.50 5.75 9.75 11.25

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
*APR = Annual Percentage Rate
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Rates are effective 04/01/14 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.
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$100 balance required to earn dividends, which are compounded daily. Rates are effective 04/01/14 and are subject to change without notice.
Savings Rate APY* Term
Savings and Club Accounts 0.15 0.15 n/a
Money Market-Silver (Balances $1000-$4999) 0.17 0.17 n/a
Money Market-Gold (Balances $5000-$14999) 0.19 0.19 n/a
Money Market-Platinum (Balances $15000 or more) 0.22 0.22 n/a
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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 04/01/14 and are subject to change without notice. A penalty may be imposed for early withdrawal. Call us at 800-458-7004 for CD specials.
Certificates Rate APY* Term

 Certificate of Deposit

0.25 0.25 3
Certificate of Deposit 0.27 0.27 6
Certificate of Deposit 0.29 0.29 12
Certificate of Deposit 0.31 0.31 24
Certificate of Deposit 0.34 0.34 36
Certificate of Deposit 0.37 0.37 48
Certificate of Deposit 0.40 0.40 60
Maximzer Certificate of Deposit 0.45 .45 30
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