All Dividends are posted on the last day of each month
Paid for February 1, 2012
| Regular Share Accounts |
| Balance Tiers |
Rate |
APY |
| $0 - $99.99 |
0.00% |
0.00% |
| $100 - $14,999.99 |
0.20% |
0.20% |
| $15,000 and over |
0.24% |
0.24% |
| 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 |
0.20% |
0.20% |
| $25,000 - $49,999.99 |
0.24% |
0.24% |
| $50,000 and over |
0.30% |
0.30% |
| IRAs |
| Rate |
APY |
| 0.58% |
0.58% |
| X Mas Club Account |
| Rate |
APY |
| .20% |
.20% |
| Share Certificates (CDs) |
| Minimum $1,000 Deposit, Early W/D fee on Dividends. |
| Term |
Rate |
APY |
| 6 Months |
0.40% |
0.40% |
| 12 Months |
0.65% |
0.65% |
| 18 Months |
0.70% |
0.70% |
| 24 Months |
0.99% |
1.00% |
| 36 Months |
1.07% |
1.08% |
| Checking Accounts |
| Balance to earn APY |
APY |
| $300 or more |
0.10% |
| IRA Certificates |
| Term |
Rate |
APY |
| 6 Months |
0.40% |
0.40% |
| 12 Months |
0.65% |
0.65% |
| 18 Months |
0.70% |
0.70% |
| 24 Months |
0.99% |
1.00% |
| 36 Months |
1.07% |
1.09% |
APY = Annual Percentage Rate
Effective December 1, 2011
* Terms subject to standard RFCU Loan guidelines. **These rates may be increased not to exceed 18% APR determined by RFCU Credit Level Loan guidelines, rates are expressed in APR.
| Automobiles & Recreational Vehicle Loans |
| Loan Type |
Rate** |
Amount Financed |
Term* |
| New Vehicles |
2.99% - 4.99% |
Up to 100% |
Up to 72 months |
| Used Vehicles |
3.89% - 4.79% |
Up to 100% |
Up to 60months |
| Boats |
7.44% |
Up to 100% |
Up to 60 months |
| Tractors & Accessories |
6.49% |
Up to 100% |
Up to 84 months |
| Equipment |
7.44% |
Up to 100% |
Up to 84 months |
| Motorcycles, ATV |
7.39% |
Up to 100% |
Up to 60 months |
| Trailers (stock, horse, utility) |
6.99% |
Up to 100% |
Up to 72 months, $15,000 max |
| Motor Homes |
To be determined |
|
Up to 120 months |
| Travel Trailers |
5.99% |
Up to 100% |
Up to 72 months, $40,000 max |
| Secured Loans |
| Loan Type |
Rate** |
| Share Secured up to 48 months |
2% over CU CD rate |
| Certificate Secured up to 36 months |
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 |
5.34% - 5.64% |
See Policy |
| Land/Investment Property |
6.34% - 6.64% |
See Policy |
| Home Improvements |
7.05% |
See Policy |
| Home Equity |
5.30% - 5.80% |
See Policy |
|
