| |
Rates & Fees
Account
Rates | Account
Service Fees | Disclosures | Loan
Rates | Other Service Fees
| |
| |
|
Type of Account
|
Dividend
Rate |
Annual
Percentage Yield |
|
Regular Savings & Special Savings |
0.20% |
0.20% |
| STANDARD &
Y.E.S. Checking |
0.01% |
0.01% |
River
City REWARD Checking
$0.00 to $20,000 ***
*** $20,000.01
plus
---------------------------
*These are the APY when
qualifications are met monthly.
**This is the base APY when the qualifications are not
met monthly.
***Effective Dec. 1, 2011.
|
2.47%
0.50%
0.05% |
|
| Health Savings Account -
Savings & Checking |
.45% |
.45% |
| Insured Money Market
($2000-$49,999.99)¹ |
.20% |
.20% |
| Insured Money Market
($50,000 -$99,999.99)¹ |
.25% |
.25% |
| Insured Money Market
($100,000 plus)¹ |
.35% |
.35% |
| Holiday
Savers Club² |
.45% |
.45% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates and
APY are in effect as of Jan. 10, 2012, and are subject to
change monthly without prior notice.
¹ Limited to a total of six (6)
transfers a month.
² There is a $10 penalty for each
early withdrawal.
|
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| Share Certificate
Accounts |
|
|
|
Term
|
Balances
$500-$49,999.99 |
Balances
$50,000 - $89,999.99 |
Balances
$90,000 and above |
| Dividend
Rate |
APY* |
Dividend
Rate |
APY** |
Dividend
Rate |
APY* |
|
3 mos. |
.20% |
.20% |
.25% |
.25% |
.30% |
.30% |
|
6 mos. |
.40% |
.40% |
.45% |
.45% |
.50% |
.50% |
| 9 mos. |
.75% |
.75% |
.80% |
.80% |
.85% |
.85% |
| 1 yr. |
.60% |
.60% |
.65% |
.65% |
.70% |
.70% |
| 18 mos. |
1.19% |
1.20% |
1.24% |
1.25% |
1.29% |
1.30% |
| 2 yrs. |
1.00% |
1.00% |
1.05% |
1.05% |
1.09% |
1.10% |
| 3 yrs. |
1.49% |
1.50% |
1.54% |
1.55% |
1.59% |
1.60% |
| 4 yrs. |
1.74% |
1.75% |
1.78% |
1.80% |
1.83% |
1.85% |
| 5 yrs. |
2.23% |
2.25% |
2.27% |
2.30% |
2.32% |
2.35% |
|
|
|
|
*APY stands for Annual Percentage Yield. Rates and APY
are in effect as of Feb. 8, 2012, and are subject to change
weekly without prior notice. Any Share Certificate may be
used to establish an Individual Retirement Account. |
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| Accumulative Individual Retirement Accounts |
| |
|
Early Withdrawal Penalty |
Dividend
Rate |
APY* |
|
IRA withdrawals before age 59 1/2 are
subject to certain IRS penalties. |
.45% |
.45% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates and
APY are in effect as of Jan. 10, 2012, and are subject to change
monthly without prior notice. |
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Loan Rates
|
SECURED CONSUMER LOANS
|
MAX
AMOUNT FINANCED
|
36
MOS.
As
low as
|
48
MOS.
As low as
|
60
MOS. **
As low as
|
72 MOS.***
As low
as
|
84
MOS. ***
As
low
as
|
|
Automobiles
|
125%
|
2.30%
APR*
|
2.40%
APR*
|
2.50%
APR*
|
2.65%
APR*
|
2.80%
APR*
|
|
Other Secured Collateral
|
(including
Motorcycles, Jet Ski, ATV, Other Collateral, etc.)
|
|
100%
|
4.50%
APR*
|
4.75%
APR*
|
5.00%
APR*
|
N/A
|
N/A
|
|
Boats
|
100%
|
4.50%
APR*
|
4.75%
APR*
|
5.00%
APR*
|
7.00%
APR*
|
N/A
|
|
Motor Homes, RVs , Travel Trailers
|
100%
|
4.50%
APR*
|
4.75%
APR*
|
5.00%
APR*
|
7.00%
APR*
|
180 MOS.****
As low a
8.00%
APR*
|
*APR =
Annual Percentage Rate.
"Premium Special Rates" reflect a
0.25% reduction when the loan is repaid by payroll deduction
or automatic transfer from your RCFCU savings or checking
account. Rates apply to new/used vehicle purchases or
new/used vehicle refinances from other institutions.
Additional discounts may apply with purchase of Credit Life
& Disability, Guaranteed Asset Protection (GAP),
Mechanical Repair Coverage (MRC).
** Auto loan minimum 60+ months
$20,000
Boats
& Recreational Vehicles minimum $25,000
*** Available for Boats and RVs. Minimum $40,000
**** Available for RVs only. Minimum
$45,000.
|
| |
|
|
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| Real Estate
Loans
For information on the following types of loans, please call Lending Central at 210-348-9022. |
| |
| |
Amount Financed |
1 - 60
months |
61 -
120 months |
121 -
180 months |
| Home Improvement (to $200,000)
(640 credit score required to qualify
for 1st liens) |
95% appraisal less existing
liens |
6.4%
Int. Rate
6.59% APR** |
6.9%
Int. Rate
7.01% APR** |
7.4%
Int. Rate
7.48% APR** |
Unimproved Land
(to $200,000) |
90% appraisal |
6.9%
Int. Rat
7.09% APR** |
7.4%
Int. Rate
7.51% APR** |
7.9%
Int. Rate
7.98% APR** |
|
|
| HOME EQUITY LINE OF
CREDIT
Variable Rate (80% appraisal less
existing liens) Lifetime maximum
APR is 9.75% % to 13.00%. |
|
Annual
Adjustment Cap |
Lifetime Adjustment
Cap |
Draw Period |
Payment as low as
w/$75 min. |
Minimum
Rate |
New York Prime Rate less 0.26%
|
|
1.25% APR |
6.75% APR |
10 years |
1.20% |
as low as 3.00% APR |
| CLOSED-END HOME
EQUITY
Fixed Rate Loans (80% appraisal less existing lien
|
5
years |
7 years |
10 years |
15 years* |
20 years* |
| $5,000 to $400,000
(640 credit score required to qualify
for 1st liens)
*Term not currently offered. |
As low as
4.75%
Int. Rate
4.94% APR** |
As low as 5.25% Int. Rate 5.39%
APR** |
As low as 5.75% Int. Rate
5.85% APR** |
N/A |
N/A |
|
**Annual Percentage Rate based on $50,000.00
loan amount.
We also offer home loan programs including:
conventional, fixed or adjustable rates,
and more. For information, including rates, on these types of real estate loans, please call
Suzie Harz at 210-581-1506 or 1-800-460-6990.
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|
| Unsecured Loans |
| |
|
Type of Loan |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Signature Loan |
60 mos. |
as low as
9.9% |
| Signature Loan
with Auto Pay |
60
mos. |
as low as
9.65% |
| Line of Credit |
$2.75 per
$100
(minimum $18) |
as low as
9.9% |
| Line of Credit with Auto Pay |
$2.75
per
$100
(minimum $18) |
as low as
9.65% |
| VISA CLASSIC credit card |
3% of outstanding
balance |
12.9%* |
| VISA GOLD |
3% of outstanding
balance |
10.9%* |
| VISA Platinum |
3% of outstanding
balance |
7.9%* |
| *Introductory
rate of 2.99% APR applicable until the first day of the
billing cycle that includes the six-month anniversary
date of the opening of the account. After the
introductory period, APR will range from 7-90% - 12.90%,
depending on credit criteria. |
|
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| Secured Loans |
| |
|
Type of Loan |
AMOUNT
FINANCED |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Shares Pledged |
|
60 monthly
payments |
2.5%
above dividend rate |
| Share Certificate Pledged |
|
To maturity
date of pledged certificate |
2.5%
above dividend rate |
| Stock Pledged |
70%
of market |
Single payment
up to six months, or 60 monthly payments |
11.9% |
| Stock Pledged over $2,000 |
70%
of market |
Single
payment up to six months, or 60 monthly payments |
9.9% |
|
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Account Service Fees
|
| |
| Membership Fee |
None |
| |
|
Checking Account Fees |
|
| Non-Sufficient Funds (NSF) |
$25.00 |
| Overdraft Privilege Fee (fee
imposed for in-person, ATM/Visa Check Card, check, Audio
Amigo, Internet Banking and ACH transactions) |
$25.00 |
| Stop Payment Fee |
$20.00 |
| Stop Payment Fee (range
of checks) |
$30.00 |
| Stop Payment Fee of RCFCU
Check |
$10.00 |
| Check Copy Fee |
$2.00 |
Monthly Service
Charge*
(if
balance drops below $1000 during the month on a STANDARD
checking account) |
$5.00 |
| Temporary Checks
Fee (increments of five) |
$1.00 |
| Check Printing Fee |
depends
on style selected |
|
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| Other Service Fees |
| |
|
OTHER SERVICE FEES |
|
| ACH NSF |
$25.00 |
| Deposited Check NSF |
$10.00 |
| Interim Statement Fee |
$1.00 |
| Account Research and Reconciliation Fee
(per hour) |
$25.00 |
| Tax Levy Processing Fee |
$25.00 |
| Garnishment Processing Fee |
$25.00 |
| Check-by-Phone Fee |
$2.50 |
| Transfer Fee |
$1.00 |
| Reopening Savings Account
(within six months of closing) |
$5.00 |
| Account closed (within 90
days of opening) |
$5.00 |
| Replacement of ATM card |
$5.00 |
| Nonproprietary ATM transactions |
$1.00 |
| Account overdrawn by
ATM transaction(s) |
$25.00 |
| Cashier's Checks |
$3.00 |
| Domestic Wire Transfer Fee |
$15.00 |
| International Wire Transfer
Fee |
$25.00 |
| Photo Copies |
$.25 |
| FAX Service (long distance + per page
fee) |
$5.00 |
| Money Orders |
$1.00 |
| Travelers Checks |
1% of
purchase |
| Check cashing for non-members (up to
$500) |
$5.00 |
| Check cashing for non-members ($500.01 -
$1000) |
$10.00 |
| Check cashing for non-members ($1000.01 -
$1500) |
$15.00 |
| RCFCU check (with one free a month) |
$1.00 |
| Holiday Savers Club (early
withdrawal fee) |
$10.00 |
|
FEES FOR CASHING NON-MEMBER CHECKS |
| Up to $500.00 |
$5.00 |
| $ 500.01 - $1000.00 |
$10.00 |
| $1000.01 - $1500.00 |
$15.00 |
|
ANNUAL SAFE DEPOSIT BOX FEES |
| 3" x 5" x 22" |
$20 |
| 3" x 10" x 22"
(Downtown only) |
$30 |
| 5" x 5" x
22" (Bitters only) |
$30 |
| 5" x 10" x 22" |
$50 |
| 10" x 10" x 22" |
$100 |
| Key Deposit (refunded when both keys
are returned upon closure) |
$10 |
| Drill Fee |
$120 |
| Lost key |
$10.00 |
|
CREDIT CARD FEES |
|
| Late fee |
5%
of minimum payment due, minimum of $15 |
| NSF |
$25 |
TNB's eZ Pay ACH payment
draft system:
Using the operator-assisted payment by phone method
Using the automated telephone payment option
|
$5
$4
|
|
Foreign Transaction Fee |
1% fee for transactions conducted outside the United
States |
|
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|
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