Loans | Mortgage | Savings | Certificates
VEHICLE LOAN RATES - NEW AND USED
|
TERM
|
RATE
|
| 36 MONTHS |
4.99% - 15.75%
|
| 48 MONTHS |
5.25% - 15.75%
|
| 60 MONTHS* |
5.49% - 15.75%
|
| 72 MONTHS** |
5.75% - 12.25%
|
OTHER SECURED
| 36 MONTHS |
5.50% - 16.25%
|
| 48 MONTHS |
5.50% - 16.25% |
| 60 MONTHS |
5.75% - 16.25% |
| 72 MONTHS |
6.00% - 12.75% |
| 84 MONTHS |
6.25% - 10.25% |
PERSONAL LOANS
|
THE RATES SHOWN FOR VEHICLES, OTHER SECURED, AND PERSONAL LOANS ARE ANNUAL PERCENTAGE RATES (APR).
A 25 BASIS POINT DISCOUNT IS AVAILABLE FOR PAYROLL DEDUCTION OR AUTOMATIC TRANSFER OF LOAN PAYMENT FROM ANOTHER RPCU ACCOUNT. (VISA LOANS AND MORTGAGES ARE EXCLUDED).
REGULAR SHARE AND SHARE CERTIFICATE SECURED RATES ARE THE SAME AS THE MINIMUM RATE FOR THE APPLICABLE TERM.
*THE MINIMUM LOAN AMOUNT FOR A 60 MONTH USED VEHICLE (CURRENT YEAR OR UP TO THREE YEARS PRIOR) IS $15,000.
**THE MINIMUM LOAN AMOUNT FOR A 72 MONTH NEW VEHICLE LOAN IS $20,000.
OTHER SECURED RATES INCLUDE NEW AND USED BOATS, NEW AND USED MOTORCYCLES, AND NEW AND USED RVs AND CAMPERS AND THE MINIMUM LOAN AMOUNT FOR A TERM OF 60 MONTHS OR LONGER IS $18,000.
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|
FIXED RATE HOME EQUITY LOAN RATES
| LOAN TO VALUE |
|
RATE |
| UP TO 80% |
|
5.25% - 8.75%
|
| UP TO 90% |
|
5.75% - 9.75% |
| UP TO 100% |
|
6.75% - 10.75% |
| |
|
|
| LOAN AMOUNT |
MINIMUM REPAYMENT PERIOD |
MAXIMUM REPAYMENT PERIOD |
| $10,000 - $15,000 |
36 MONTHS |
72 MONTHS |
| $15,000 - $30,000 |
36 MONTHS |
120 MONTHS |
| $30,000 - $70,000 |
36 MONTHS |
180 MONTHS |
| ABOVE $70,000 |
36 MONTHS |
300 MONTHS |
THE AMOUNT OF LOAN PAYMENT PER $1000 BORROWED
AT 5.25%: AT 8.75%: AT 5.75%: AT 9.75%: AT 6.75%: AT 10.75%:
FOR 36 MONTHS= $30.31 $31.68 $30.31 $32.15 $30.76 $32.62
FOR 72 MONTHS= $16.46 $17.90 $16.46 $18.40 $16.93 $18.91
FOR 120 MONTHS= $10.98 $12.53 $10.98 $13.08 $11.48 $13.63
FOR 180 MONTHS= $8.30 $9.99 $8.30 $10.59 $8.85 $11.21
FOR 300 MONTHS= $5.99 $8.22 $6.29 $8.91 $6.91 $9.62
SAVINGS RATES
| Savings |
Rate |
APY* |
Term |
| Share Savings |
.75 |
.75 |
n/a |
| Traditional IRA's |
.75 |
.75 |
n/a |
| Christmas Club |
.50 |
.50 |
n/a |
| Kids/Teens Club |
.75 |
.75 |
n/a |
| Trust / Custodian |
.75 |
.75 |
n/a |
Rate=Dividend Rate
*APY=Annual Percentage Yield.
For Share Savings Accounts, Club Accounts, and Share IRA, beginning March 31, 2001, the dividend rates and the annual percentage yields may change at any time as determined by the credit union's Board of Directors. The minimum deposit to earn the stated APY for Share Christmas Club, Share IRA, and Organization accounts is $100. The minimum balance to earn the stated APY for Kids/Teens Club, Trust, and Custodian accounts is $5. The minimum opening deposit for Share, Trust, Custodian, and Organization accounts is $5.00. No minimum opening deposit is required for the Club accounts or the Share IRA. These share/savings dividend rates and annual percentage yields are accurate as of March 20, 2008.
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|
SHARE CERTIFICATES
| Certificates |
Rate |
APY* |
Term |
| Share Certificate and IRA Certificate |
3.100 |
3.140
|
6 |
| Share Certificate and IRA Certificate |
3.450 |
3.500 |
12 |
| Share Certificate and IRA Certificate |
3.550
|
3.600
|
24 |
| Share Certificate and IRA Certificate |
3.850 |
3.910 |
36 |
| Share Certificate and IRA Certificate |
4.000 |
4.060 |
48 |
| Share Certitifate and IRA Certificate |
4.000 |
4.060 |
60 |
| Jumbo / Jumbo IRA Certificate |
3.400 |
3.450 |
12 |
|
Century
|
3.700 |
3.75 |
12 |
A minimum deposit of $50,000 is required and must be maintained throughout the term of the certificate for the 12 month Jumbo Share and Jumbo IRA Certificate. A minimum deposit of $100,000 is required and must be maintained throughout the term of the certificate for the 12 month Century Share Certificate. (The Century Share Certificate is not offered as an IRA Certificate). For all other Share and IRA Certificates, a $500 minimum deposit is required and must be maintained throughout the term of the certificate. The term selected will determine the applicable dividend rate and APY. For share certificates only, a one time per year addition of $500 or more is allowed without penalty if the minimum requirements are maintained. A penalty may be imposed for early withdrawal.The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. For Share Certificates and IRA Share Certificates, the dividend rate and the APY at the time of the purchase will remain the same until the maturity date of the Share or IRA Certificate. APY=Annual Percentage Yield.
Rates
