Auto Loans
| Term - New/Used Autos (Models 2017 & newer) | APR* as low as |
|---|---|
| 0 to 66 months | 2.99% |
| 67 to 75 months | 3.25% |
| 76 to 84 months | 4.50% |
| Term - Used Autos (Models 2016 and older) | APR* as low as |
|---|---|
| Up to 66 months | 2.99% |
| 67 to 75 months | 3.25% |
| Term - Classic Cars | APR* as low as |
|---|---|
| Any age/model year, in excellent Collectors condition, term up to 60 months | 6.40% |
- *APR means Annual Percentage Rate as of July 3, 2018, 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. Offer valid on new auto loans financed at RCFCU.
- Maximum amount financed is 120%.
RVs/Boats/Campers
| Term | APR* as low as |
|---|---|
| 0 to 60 months | 6.00% |
| 61 to 72 months 1 | 6.50% |
| 73 to 84 months 2 | 7.50% |
| 85 to 180 months 3 | 8.50% |
- *APR means Annual Percentage Rate effective as of March 26, 2018, 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%.
- 1 Minimum balance $25,000 with term over 72 months.
- 2 Minimum balance $40,000 with term over 120 months.
- 3 Minimum balance $45,000 with term of 180 months.
Motorcycle/ATV Loans
| Term | APR* as low as |
|---|---|
| 0 to 60 months | 6.00% |
| 61 to 72 months | 6.50% |
- *APR means Annual Percentage Rate effective as of March 26, 2018, 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.
Credit Card Type
| Credit Card Type | APR* |
|---|---|
| Visa Platinum | 7.99% |
| Visa Gold | 11.99% |
| Visa Classic | 15.99% to 16.99% |
- *APR stands for Annual Percentage Rate. Rates shown are based on credit performance. Loan rates are in effect as of May 15, 2018, and subject to change without prior notice
Signature Loan
| Signature Loan | APR* as low as |
|---|---|
| 0 to 60 months | 8.00% |
- *APR stands for Annual Percentage Rate. Loan rates are in effect as of October 1, 2018, 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 Promotion Signature Loans or loans refinanced from other institutions. Limited time offer.
Line of Credit
| Line of Credit | APR* |
|---|---|
| Revolving term, payment is $2.75 per $100 balance | 9.90% |
- *APR stands for Annual Percentage Rate.
- 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 and Lines of Credit, or loans refinanced from other institutions.
- Loan rates are in effect as of January 1, 2017, and subject to change without prior notice.
Personal Loans
| Signature Loan | APR* |
|---|---|
| 0 to 24 Months | 8.00% |
| 25 to 36 Months | 8.50% |
| 37 to 48 Months | 9.00% |
| 49 to 60 Months | 9.50% |
- *APR stands for Annual Percentage Rate. 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. Loan rates are in effect as of July 10, 2017, and subject to change without prior notice.
Home Equity Loans
| Term for 1st Lien Home Equity Loan | APR* |
|---|---|
| 60 months | 4.269% |
| 120 months | 4.31% |
| 180 months | 4.39% |
| Term for 2nd Lien Home Equity Loan | APR* |
|---|---|
| 60 months | 5.279% |
| 120 months | 5.321% |
| 180 months | 5.401% |
- *APR stands for Annual Percentage Rate. APR based on $50,000 loan amount with $1,050 estimated closing costs. Loan amount is based on 80% of appraisal value less existing lien. Minimum loan amount is $10,000. Maximum loan amount is $400,000. Rates apply to new Home Equity Loans or Home Equity Loans refinanced from other institutions. Home Equity Loan contract rate is 3.50% for 1st Lien and 4.50% for 2nd Lien. Loan rates are in effect as of August 17, 2018, and subject to change without prior notice.
Regular Savings
| Share Savings Accounts | Dividend Rate | APY* |
|---|---|---|
| Savings Account | 0.15% | 0.15% |
| Special Savings | 0.15% | 0.15% |
| Holiday Cache Accounts1 | 0.25% | 0.25% |
| Vacation Cache Accounts1 | 0.25% | 0.25% |
| Back-To-School Cache Accounts 1 | 0.25% | 0.25% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of September 24, 2018, and subject to change without prior notice.
Share Certificates
| Terms for account balance up to $99,999.99 | Dividend Rate | APY* |
|---|---|---|
| Six months | 1.242% | 1.25% |
| 1 year | 1.735% | 1.75% |
| 2 years | 2.225% | 2.25% |
| 3 years | 2.713% | 2.75% |
| 4 years | 2.956% | 3.00% |
| 5 years | 3.198% | 3.25% |
| Terms for account balance $100,000 plus | Dividend Rate | APY* |
|---|---|---|
| Six months | 1.292% | 1.30% |
| 1 year | 1.784% | 1.80% |
| 2 years | 2.274% | 2.30% |
| 3 years | 2.762% | 2.80% |
| 4 years | 3.005% | 3.05% |
| 5 years | 3.247% | 3.30% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of November 8, 2018, and subject to change without prior notice.
- Minimum balance is $500 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.
Freedom Builder Share Certificate
| Terms | Dividend Rate | APY* |
|---|---|---|
| 1 year | 1.637% | 1.65% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of November 8, 2018, 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.
IRAs
| IRA Share Account | Dividend Rate | APY* |
|---|---|---|
| IRA Share | 0.60% | 0.60% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of January 1, 2018, 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 Accounts | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $49,999.99 1 | 0.35% | 0.35% |
| $50,000 Plus 1 | 0.40% | 0.40% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of January 1, 2018, and subject to change without prior notice.
- 1Minimum withdrawal is $500. Limited to a total of six transfers a month.
REWARD Checking
| REWARD Checking | Dividend Rate | APY* |
|---|---|---|
| Balance $0.00 to $20,000 1 | 1.49% | 1.50% |
| Balance $20,000.01 plus 1 | 0.25% | 0.25% |
| Base REWARD Checking APY* 2 | 0.05% | 0.05% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of January 11, 2017, and subject to change without prior notice.
- 1 This APY is paid when monthly qualifications above are met.
- 2 This APY is paid when monthly qualifications above are not met.
HSA Checking
| Health Savings | Dividend Rate | APY* |
|---|---|---|
| HSA Checking | 0.01% | 0.01% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of January 11, 2017, and subject to change without prior notice.
