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 February 7, 2012. |
|
Vehicle Year
|
Approximate Maturity
|
|
APR
|
|
NEW Vehicles & Motorcycle 2012 - 2011
|
36 Months
|
as low as
|
2.49%
|
|
|
48 Months
|
as low as
|
3.35%
|
|
|
60 Months
|
as low as
|
3.50%
|
|
$20,000+
|
72 Months
|
as low as
|
3.70%
|
|
USED Vehicles & Motorcycle 2011 - 2010
|
36 Months
|
as low as
|
3.50%
|
|
|
48 Months
|
as low as
|
3.60%
|
|
|
60 Months
|
as low as
|
3.75%
|
|
$20,000+
|
72 Months
|
as low as
|
3.95%
|
|
USED Vehicles & Motorcycle 2009 - 2007
|
36 Months
|
as low as
|
4.00%
|
|
|
48 Months
|
as low as
|
4.10%
|
|
|
60 Months
|
as low as
|
4.25%
|
|
USED Vehicles & Motorcycle 2006 - 2005
|
36 Months
|
as low as
|
4.50%
|
|
|
48 Months
|
as low as
|
4.75%
|
|
|
|
NEW ATV, Jet Ski & Snowmobile 2012-2011
|
36 Months
|
as low as
|
6.50%
|
|
|
48 Months
|
as low as
|
6.60%
|
|
|
60 Months
|
as low as
|
6.75%
|
|
|
|
USED ATV, Jet Ski & Snowmobile 2011 - 2010
|
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- 2007
|
36 Months
|
as low as
|
7.25%
|
|
|
48 Months
|
as low as
|
7.35%
|
|
USED ATV, Jet Ski & Snowmobile 2006 - 2005
|
36 Months
|
as low as
|
7.75%
|
|
|
|
NEW Boats, Motor Homes
|
36 Months
|
as low as
|
5.50%
|
|
Travel Trailers 2012-2011
|
48 Months
|
as low as
|
5.60%
|
|
|
60 Months
|
as low as
|
5.75%
|
|
$20,000+
|
72 Months
|
as low as
|
5.95%
|
|
USED 2011 - 2010
|
36 Months
|
as low as
|
6.00%
|
|
|
48 Months
|
as low as
|
6.10%
|
|
|
60 Months
|
as low as
|
6.25%
|
|
$20,000+
|
72 Months
|
as low as
|
6.45%
|
|
USED 2009 - 2007
|
36 Months
|
as low as
|
6.50%
|
|
|
48 Months
|
as low as
|
6.60%
|
|
|
60 Months
|
as low as
|
6.75%
|
|
USED 2006 - 2005
|
36 Months
|
as low as
|
7.00%
|
|
|
48 Months
|
as low as
|
7.10%
|
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|
Mortgage Loans
Our Mortgage rates are current as of February 7, 2012.
Rates are subject to change daily and periodically throughout the day.
|
| 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 |
4.95% APR |
| 2nd Mortgage |
7 year fixed |
4.70% APR |
| 2nd Mortgage |
5 year fixed |
4.45% 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.
|
| |
| Mortgage Assumption on HOME Page - All rates are based on single family homes and credit score above 740. APR is based on a mortgage amount of $125,000. with 20% down, interest rates are valid for purchases and no cash out refinances. |
|
Calculators
|
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| VISA Cards |
| Annual Percentage Rate for Purchases |
VISA Platinum
|
VISA Classic
|
VISA Secured
|
| Annual Percentage Rate (APR) for Purchases |
8.90%
|
9.90%
|
17.90%
|
|
APR for Cash Advances
|
8.90%
|
9.90%
|
17.90%
|
|
APR for Balance Transfers
|
8.90%
|
9.90%
|
17.90%
|
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard
|
|
FEES
|
|
Set-Up and Maintenance Fees
- Annual Fee (VISA Secured ONLY)
|
$20.00 annually
|
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee |
$2.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $10.00)
1.00% of each multiple currency transaction in U.S.dollars
0.80% of each single currency transaction in U.S.dollars |
Penalty Fees
- Late Payments
- Returned Payment Fee |
Up to $20.00
Up to $20.00 |
| How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)". |
|
Effective Date
The information about the costs of the card described in this disclosure is accruate as of September 1, 2011. This informationmay have changed after that date. To find out what may have changed, contact the Credit Union.
|
| OTHER DISCLOSURES |
| Late Payment Fee |
$20.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making payment. |
| Return Payment Fee |
$20.00 or the amount of the required minimum payment, whichever is less. |
| Document Copy Fee |
$10.00 |
| Rush Fee |
$20.00 |
| Card Replacement Fee |
$10.00 |
| Card Recovery Fee |
$65.00 |
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|
