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Rates

Loan Rates

Auto Loans

Term - New/Used Autos (Models 2023 & newer) APR* as low as
0 to 66 months
67 to 75 months
76 to 84 months
Term - Used Autos (Models 2022-2020) APR* as low as
Up to 66 months
67 to 75 months
Term - Used Autos (Models 2019-2018) APR* as low as
Up to 54 months 5.25%
55 to 60 months 5.25%
Maximum amount financed is 100%
*APR means Annual Percentage Rate as of January 7, 2025, and is subject to change without prior notice. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model and other factors. Not all applicants will qualify for the lowest rate.
 

RVs / Boats / Campers

Term APR* as low as
0 to 60 months
61 to 72 months1
73 to 84 months2
85 to 180 months3
*APR means Annual Percentage Rate effective as of December 7, 2023, and subject to change without prior notice. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model, and other factors. Not all applicants will qualify for the lowest rate. Rates apply to Boat, RV, Motor Home, Travel Trailer purchases. Offer valid on new loans financed at RCFCU.
Maximum amount financed is 90%
1Minimum balance $25,000.00 with term over 72 months
2Minimum balance $40,000.00 with term over 120 months
3Minimum balance $45,000.00 with term of 180 months
 

Motorcycle / ATV Loans

Term APR* As Low As
0 to 60 months
61 to 72 months
*APR means Annual Percentage Rate effective as of December 7, 2023, and subject to change without prior notice. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model, and other factors. Not all applicants will qualify for the lowest rate. Rates apply to Boat, RV, Motor Home, Travel Trailer purchases. Offer valid on new loans financed at RCFCU.
 

Title Loans

Term APR*
12 - 48 Months 18%
 

Credit Cards

Credit Card Type APR* as low as
Visa Platinum
Visa Gold
Visa Classic to
*APR stands for Annual Percentage Rate. Rates shown are based on credit performance. Loan rates are in effect as of May 27, 2025, and subject to change without prior notice.
 

Signature Loans

Signature Loan APR* as low as
0 to 24 Months
25 to 36 Months
37 to 48 Months
49 to 60 Months

*APR stands for Annual Percentage Rate as of May 27, 2025 and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Signature Loans or loans refinanced from other institutions.

 

Share Secured Loan

Share Secured Loan APR* as low as
0 to 60 Months
*APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice.
 

Share Certificate Secured Loan

Share Certificate Secured Loan APR* as low as
Term (Maturity) Date of Certificate Share Rate +
*APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice. Rate is determined by adding 3.00% to your Share Certificate Rate. The term of the loan is set to the Maturity Date of the pledged certificate.
 

Immigration Loan

Term APR* as low as
0 to 36 months
*APR stands for Annual Percentage Rate. Loan rates are in effect as of February 14, 2020, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval.
 

Prestamo Paso a Paso

Term APR* as low as
0 to 12 months
*APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice. Rates shown are the lowest available for each term listed.
 

Medical Equipment Loan

Term APR* as low as
0 to 12 months
*APR stands for Annual Percentage Rate. Loan rates are in effect as of February 14, 2020, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval, your rate may be higher based on credit performance.
 

Personal Line of Credit

Type APR* as low as
Line of Credit
 

Home Improvement

Term Maximum rate APR*
5 years 6.99%
7 years 7.49%
10 years 7.49%
12 to 20 years 7.99%

*APR stands for Annual Percentage Rate as of September 1,2024. Offered rates, terms, programs, and underwriting policies are subject to change without notice.

Deposit Rates

Savings Accounts

Share Savings Accounts Dividend Rate APY*
Savings Account
Special Savings
Youth Savings up to $500.00 deposited
Balances of $500.01 or greater		 up to $500.00 deposited
Balances of $500.01 or greater
Holiday Cache Accounts1
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of December 01, 2023, and subject to change without prior notice.
1Penalty of $10.00 applies for each early withdrawal from Cache Accounts.
 

Share Certificates

Share and IRA Certificate Terms for account balance from $500 to $99,999.991 Dividend Rate APY*
Six months
1 year
2 years
3 years
4 years
5 years
Share and IRA Certificate Terms for account balance $100,000.00 plus1 Dividend Rate APY*
Six months
1 year
2 years
3 years
4 years
5 years
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of May 27, 2025, and subject to change without prior notice.
Minimum balance is $500.00 for Share and IRA Certificates.
1Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate. IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.
 

Freedom Builder Share Certificate

Terms Dividend Rate APY*
1 year
*APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 27, 2025, and subject to change without prior notice. Minimum balance is $100 for Freedom Builder Share Certificates.
Additional deposits are allowed on a Freedom Builder Share Certificate; deposits are unlimited in number, can be made at any time and for any amount.
 

IRA

IRA Share Account Dividend Rate APY*
IRA Share (including Traditional, Roth, and SEP)
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of December 01, 2023, and subject to change without prior notice.
Minimum balance is $1,000 for Share Certificate and IRA.
Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate.
IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.
 

Money Markets

Money Market Accounts1 Dividend Rate APY*
$2,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $999,999.99
$1,000,000 Plus
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of January 1, 2025, and subject to change without prior notice.
1Limited to a total of six transfers a month.

Checking Rates

Superior Checking

Average Monthly Balance Dividend Rate APY*
$2,500.00 or more 1
$0.00 to $2,499.992
*APY stands for Annual Percentage Yield. Dividend rates are in effect as of June 1, 2020, and subject to change without prior notice.
1This APY is paid when the following qualifications are met monthly: 1) have at least 15 debit card or point of sale transactions of at least $5.00 post to your account per month and 2) receive eStatements.
2This APY is paid when monthly qualifications above are not met.
 

Standard Checking

Average Monthly Balance Dividend Rate APY*
$1,000.00 or more1
$0.00 to $999.992
*APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 1, 2020, and subject to change without prior notice.
1 This APY is paid when you maintain a monthly average balance of $1,000.00 or more.
2This APY is paid when your monthly average balance falls below $1,000.00.
 

HSA Checking

Account Dividend Rate APY*
HSA Checking
*APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 1, 2020, and subject to change without prior notice.

Business Rates

Business Savings

Dividend Rate APY*
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of November 16, 2022, and subject to change without prior notice.
 

Business Checking

Average Monthly Balance Dividend Rate APY*
$5,000 to $9,999.99 0.050% 0.050%
$10,000 to $24,999.99 0.100% 0.100%
$25,000 to $74,999.99 0.150% 0.150%
$75,000 to $149,999.99 0.250% 0.250%
$150,000 and higher 0.349% 0.350%
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of January 01, 2025, and subject to change without prior notice.
 

Business Money Market

Business Money Market Accounts1 Dividend Rate APY*
$2,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $999,999.99
$1,000,000.00 Plus
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of January 1, 2025 and subject to change without prior notice.
1Limited to a total of six transfers a month.
 

Business Share Certificates

Share and IRA Certificate Terms for account balance up to $99,999.991 Dividend Rate APY*
Six months
1 year
2 years
3 years
4 years
5 years
Share and IRA Certificate Terms for account balance $100,000 plus1 Dividend Rate APY*
Six months
1 year
2 years
3 years
4 years
5 years
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of May 27, 2025, and subject to change without prior notice.
Minimum balance is $500.00 for Share and IRA Certificates.
1Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate. IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.
 

Business Auto Loans

Term - Business New/Used Autos (Models 2018 & newer) APR* as low as
0 to 66 months
67 to 75 months
76 to 84 months
Term - Business Used Autos (Models 2017 and older) APR* as low as
Up to 66 months
67 to 75 months
Maximum amount financed is 110% LTV.
 

Business Visa Credit Card

Type APR* as low as
Visa Business Credit Card