Loan Rates

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Auto Loans
RBCU has affordable new and used vehicle financing. APR means Annual Percentage Rate. Rates are effective as of August 8, 2017.
Vehicle Year Approximate Maturity APR
NEW Vehicles  & Motorcycle 2017-2016 36 Months as low as 2.24%
48 Months as low as 2.60%
60 Months as low as 2.75%
$20,000+ 72 Months as low as 2.95%
       
USED Vehicles & Motorcycle 2016-2015 36 Months as low as 2.50%
  48 Months as low as 2.60%
  60 Months as low as 2.75%
$20,000+ 72 Months as low as 2.95%
       
USED Vehicles & Motorcycle 2014-2012 36 Months as low as 2.75%
  48 Months as low as 2.85%
  60 Months as low as 3.00%
 $20,000+ 72 Months as low as 3.20%
       
USED Vehicles & Motorcycle 2011-2010 36 Months as low as 3.00%
  48 Months as low as 3.25%
  60 Months as low as 3.50%
       
USED Vehicles & Motorcycle 2009-2008 24 Months as low as 3.25%
  36 Months as low as 3.25%
       
NEW ATV, Jet Ski & Snowmobile 2017-2016 36 Months as low as 3.75%
  48 Months as low as 3.85%
  60 Months as low as 4.00%
USED ATV, Jet Ski & Snowmobile 2016-2015 36 Months as low as 4.00%
  48 Months as low as 4.10%
  60 Months as low as 4.25%
       
USED ATV, Jet Ski & Snowmobile 2014-2012 36 Months as low as 4.50%
  48 Months as low as 4.60%
       
USED ATV, Jet Ski & Snowmobile 2011-2010 36 Months as low as 5.00%
 
NEW Boats, Motor Homes & Travel Trailers 2017-2016 36 Months as low as 4.75%
  48 Months as low as 4.85%
  60 Months as low as 5.00%
$20,000+ 72 Months as low as 5.20%
       
USED Boats, Motor Homes & Travel Trailers 2016-2015 36 Months as low as 5.25%
  48 Months as low as 5.35%
  60 Months as low as 5.50%
$20,000+ 72 Months as low as 5.70%
       
USED Boats, Motor Homes & Travel Trailers 2014-2012 36 Months as low as 5.75%
  48 Months as low as 5.85%
  60 Months as low as 6.00%
       
USED Boats, Motor Homes & Travel Trailers 2011-2010 36 Months as low as 6.25%
  48 Months as low as 6.35%

 

Mortgage Loans Our Mortgage rates are current as of August 8, 2017. 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 4.75% APR
2nd Mortgage 7 year fixed 4.50% APR
2nd Mortgage 5 year fixed 4.25% APR
Home Equity Variable As low as 4.25% APR
*APR means ANNUAL PERCENTAGE RATE. Not all members qualify for the lowest rateVariable 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

 

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)
$25.00 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 $35.00
Up to $35.00
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  March 1, 2017. This informationmay have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee Up to $35.00 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 Up to $35.00 or the amount of the required minimum payment, whichever is less.
Document Copy Fee $10.00
Rush Fee $35.00
Card Replacement Fee $10.00
Card Recovery Fee $65.00
Additional Card Fee more than 2 $10.00