Auto Loan Rates | Mortgage Loan Rates | VISA Card Rates | Calculators | Fee Schedule | Applications
| Auto Loans |
| RBCU has affordable new and used vehicle financing. APR means Annual Percentage Rate. Rates are effective as of July 22, 2010. |
|
Vehicle Year
|
Approximate Maturity
|
|
APR
|
|
NEW Vehicles & Motorcycle 2010 - 2009
|
36 Months
|
as low as
|
4.50%
|
|
|
48 Months
|
as low as
|
4.60%
|
|
|
60 Months
|
as low as
|
4.75%
|
|
$20,000+
|
72 Months
|
as low as
|
4.95%
|
|
USED Vehicles & Motorcycle 2009 - 2008
|
36 Months
|
as low as
|
5.00%
|
|
|
48 Months
|
as low as
|
5.10%
|
|
|
60 Months
|
as low as
|
5.25%
|
|
$20,000+
|
72 Months
|
as low as
|
5.45%
|
|
USED Vehicles & Motorcycle 2007 - 2005
|
36 Months
|
as low as
|
5.50%
|
|
|
48 Months
|
as low as
|
5.60%
|
|
|
60 Months
|
as low as
|
5.75%
|
|
USED Vehicles & Motorcycle 2004 - 2003
|
36 Months
|
as low as
|
6.00%
|
|
|
48 Months
|
as low as
|
6.25%
|
|
|
|
NEW ATV, Jet Ski & Snowmobile 2010-2009
|
36 Months
|
as low as
|
6.75%
|
|
|
48 Months
|
as low as
|
6.85%
|
|
|
60 Months
|
as low as
|
7.00%
|
|
|
|
USED ATV, Jet Ski & Snowmobile 2009 - 2008
|
36 Months
|
as low as
|
7.00%
|
|
|
48 Months
|
as low as
|
7.10%
|
|
|
60 Months
|
as low as
|
7.25%
|
|
USED ATV, Jet Ski & Snowmobile 2007- 2005
|
36 Months
|
as low as
|
7.50%
|
|
|
48 Months
|
as low as
|
7.60%
|
|
USED ATV, Jet Ski & Snowmobile 2004 - 2003
|
36 Months
|
as low as
|
8.00%
|
|
|
|
NEW Boats, Motor Homes
|
36 Months
|
as low as
|
5.75%
|
|
Travel Trailers 2010-2009
|
48 Months
|
as low as
|
5.85%
|
|
|
60 Months
|
as low as
|
6.00%
|
|
$20,000+
|
72 Months
|
as low as
|
6.20%
|
|
USED 2009 - 2008
|
36 Months
|
as low as
|
6.25%
|
|
|
48 Months
|
as low as
|
6.35%
|
|
|
60 Months
|
as low as
|
6.60%
|
|
$20,000+
|
72 Months
|
as low as
|
6.70%
|
|
USED 2007 - 2005
|
36 Months
|
as low as
|
6.75%
|
|
|
48 Months
|
as low as
|
6.85%
|
|
|
60 Months
|
as low as
|
7.00%
|
|
USED 2004 - 2003
|
36 Months
|
as low as
|
7.25%
|
|
|
48 Months
|
as low as
|
7.35%
|
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|
Mortgage Loans
Our Mortgage rates are current as of July 22, 2010.
Rates can change weekly.
|
| Loan Type |
Term |
Rate |
| Mortgage |
15 year fixed |
*Call us for rate.
|
| Mortgage |
30 year fixed |
*Call us for rate. |
| 2nd Mortgage |
10 year fixed |
6.25% APR |
| 2nd Mortgage |
7 year fixed |
6.00% APR |
| 2nd Mortgage |
5 year fixed |
5.75% APR |
| Home Equity |
Variable |
As low as 3.25% APR |
|
*APR means ANNUAL PERCENTAGE RATE. Not all members qualify for the lowest rate
Variable rate loans are subject to increase after consummation of the loan.
Annual Percentage Rate may vary.
|
|
Calculators
|
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VISA Cards
|
| Annual Percentage Rate for Purchases |
VISA Platinum
|
VISA Classic
|
VISA Secured
|
| Other APRs Cash Advance & Balance Transfers |
8.9% |
9.9% |
17.9% |
| Grace Period for Repayment |
25 Days |
25 Days |
25 Days |
| Method of Computing the Balance for Purchase |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
| Annual Fee |
NONE |
NONE |
$20.00 |
| Minimum Finance Charge |
NONE |
NONE |
NONE |
| Transaction Fee for Purchases |
NONE |
NONE |
NONE |
| Card Recovery Fee |
$65.00 |
$65.00 |
$65.00 |
| |
Transaction Fee for Cash Advances 3% of The Cash Advance
$2 Minimum Charge and $10 Maximum Charge |
| Balance Transfer Fee: |
None |
| Late Payment Fee: |
$20.00 |
| Over The Limit Fee: |
$20.00 |
| Returned Check Fee: |
$20.00 |
| Replacement Card Fee: |
$10.00 |
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|
