Rates

Loans


Apply for a Consumer Loan OnlineApply for a Mortgage OnlineLoan Specials

Auto Loans
RBCU has affordable new and used vehicle financing. APR means Annual Percentage Rate. Rates are effective as of November 18, 2021.

Rates disclosed As Low As Rates, which are based on A+ credit discount(credit score>800)

Vehicle Year Approximate Maturity APR Monthly Payment per $1,000 borrowed
NEW Vehicles & Motorcycle 2022-2021 36 Months 1.65% $28.49
48 Months 1.75% $21.59
60 Months 1.90% $17.48
$20,000+ 72 Months 2.10% $14.79
USED Vehicles & Motorcycle 2021-2019 36 Months 1.85% $28.58
48 Months 1.95% $21.67
60 Months 2.10% $17.57
$20,000+ 72 Months 2.30% $14.88
USED Vehicles & Motorcycle 2018-2017 36 Months 2.90% $29.04
48 Months 3.00% $22.13
60 Months 3.15% $18.03
$20,000+ 72 Months 3.35% $15.35
USED Vehicles & Motorcycle 2016-2015 36 Months 3.15% $29.15
48 Months 3.40% $22.31
60 Months 3.65% $18.26
USED Vehicles & Motorcycle 2014-2013 24 Months 3.40% $43.15
36 Months 3.65% $29.37
NEW ATV, Jet Ski & Snowmobile 2022-2021 36 Months 4.00% $29.52
48 Months 4.10% $22.62
60 Months 4.25% $18.53
USED ATV, Jet Ski & Snowmobile 2021-2019 36 Months 4.25% $29.64
48 Months 4.35% $22.74
60 Months 4.50% $18.64
USED ATV, Jet Ski & Snowmobile 2019-2017 36 Months 4.75% $29.86
48 Months 4.85% $22.96
USED ATV, Jet Ski & Snowmobile 2016-2015 36 Months 5.25% $30.08
NEW Boats, Motor Homes & Travel Trailers 2022-2021 36 Months 5.00% $29.97
48 Months 5.10% $23.07
60 Months 5.25% $18.99
$20,000+ 72 Months 5.45% $16.31
USED Boats, Motor Homes & Travel Trailers 2021-2019 36 Months 5.50% $30.20
48 Months 5.60% $23.30
60 Months 5.75% $19.22
$20,000+ 72 Months 5.95% $16.55
USED Boats, Motor Homes & Travel Trailers 2018-2017 36 Months 6.00% $30.42
48 Months 6.10% $23.53
60 Months 6.25% $19.45
USED Boats, Motor Homes & Travel Trailers 2016-2015 36 Months 6.50% $30.65
48 Months 6.60% $23.76

Loan rates vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1,000 borrowed.

Mortgage Loans Our Mortgage rates are current as of November 18, 2021. 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 4.50% APR
2nd Mortgage 7 year fixed 4.25% APR
2nd Mortgage 5 year fixed 4.00% APR
Home Equity Variable As low as 5.50% 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

 

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 accurate as of January 1, 2021. This information may 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

Loan Specials

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Savings


Rates effective as of November 18, 2021 and are subject to change without notice.

Share Accounts

Dividends for the 3rd quarter of 2021:

APY* Dividend Rate
0.08% 0.08%

*APY means Annual Percentage Yield

Fees could reduce the earnings on the account.

 

Share and IRA Certificates

Certificate Term APY*
6 month 0.15%
12 month 0.20%
18 month 0.30%
24 month 0.40%
36 month 0.50%
48 month 0.60%

*APY means Annual Percentage Yield.

The quoted APY is accurate as of November 18, 2021. $1,000.00 minimum balance required. Penalties apply for early withdrawal.