All Dividends are posted on the last day of each month
Paid for March 1, 2010
| Regular Share Accounts |
| Balance Tiers |
Rate |
APY |
| $0 - $99.99 |
0.00% |
0.00% |
| $100 - $14,999.99 |
.40% |
.40% |
| $15,000 and over |
.50% |
.50% |
| Maximizer Money Market |
Indexed off 6 month treasury previous months dividends.
Only 6 Transactions per Month, Interest compounded monthly, Cancelled Checks Returned. |
| Balance Tiers |
Rate |
APY |
| $10,000 - $24,999.99 |
.50% |
.50% |
| $25,000 - $49,999.99 |
.70% |
.70% |
| $50,000 and over |
.90% |
.90% |
| IRAs |
| Rate |
APY |
| 1.08% |
1.09% |
| X Mas Club Account |
| Rate |
APY |
| .30% |
.30% |
| Share Certificates (CDs) |
| Minimum $1,000 Deposit, Early W/D fee on Dividends. |
| Term |
Rate |
APY |
| 6 Months |
.99% |
1.00% |
| 12 Months |
1.34% |
1.35% |
| 18 Months |
1.54% |
1.55% |
| 24 Months |
1.73% |
1.75% |
| 36 Months |
1.98% |
2.00% |
| Checking Accounts |
| Balance to earn APY |
APY |
| $300 or more |
0.20% |
| IRA Certificates |
| Term |
Rate |
APY |
| 6 Months |
1.01% |
1.02% |
| 12 Months |
1.43% |
1.44% |
| 18 Months |
1.56% |
1.57% |
| 24 Months |
1.75% |
1.77% |
| 36 Months |
2.00% |
2.02% |
APY = Annual Percentage Rate
Effective July 1, 2009
*Terms subject to standard RFCU Loan guidelines.
**These rates may be increased not to exceed 18% APR determined by RFCU Credit Level Loan guidelines.
| Automobiles & Recreational Vehicle Loans |
| Loan Type |
Rate** |
Amount Financed |
Term* |
| New Vehicles |
5.14% - 5.79% |
Up to 100% |
Up to 72 months |
| Used Vehicles |
5.25% - 5.49% |
Up to 100% |
Up to 60months |
| Boats |
7.39% |
Up to 100% |
Up to 60 months |
| Tractors & Accessories |
5.79% |
Up to 100% |
Up to 84 months |
| Equipment |
7.39% |
Up to 100% |
Up to 84 months |
| Motorcycles, ATV |
7.34% |
Up to 100% |
Up to 60 months |
| Trailers (stock, horse, utility) |
6.69% |
Up to 100% |
Up to 72 months, $15,000 max |
| Motor Homes |
To be determined |
|
Up to 120 months |
| Travel Trailers |
5.79% |
Up to 100% |
Up to 72 months, $40,000 max |
| Secured Loans |
| Loan Type |
Rate** |
| Share Secured |
CU 12 month CD Rate |
| Share Secured |
.25% over CU 12 month CD Rate |
| Share Secured |
.50% over CU 12 month CD Rate |
| Certificate Secured |
2% over Member CD rate |
| Additional Loans |
| Loan Type |
Rate** |
Term* |
| Unsecured Loans |
10.29% - 18% |
Up to 48 months |
| Line of Credit |
10.29% - 18% |
Up to 48 months |
| Line of Credit-Mastercard |
10.90% - 12.40% |
See Policy |
| Mortgage Loans |
5.89% - 6.14% |
See Policy |
| Land/Investment Property |
6.89% - 7.14% |
See Policy |
| Home Improvements |
7.40% |
See Policy |
| Home Equity |
7.40% |
See Policy |
|
