|
Effective Date(04/24/2008)
Savings Rates
|
Account Type
|
Minimum Balance
|
Rate
|
Effective Annual
Yield
|
Compounded
|
|
Regular Savings
|
$5.00
|
0.50%
|
0.50%
|
Daily, Paid Quarterly
|
|
IRA Savings
|
$5.00
|
1.00%
|
1.00%
|
Daily, Paid Quarterly
|
|
Share Draft
(Checking)
|
NONE
|
0.35%
|
0.35%
|
Daily Average over
$500.00, paid Monthly
|
|
Christmas Club
|
$5.00
|
1.00%
|
1.00%
|
Daily, Paid Monthly
|
|
Navigator Money Market
|
$2500.00 and up
|
1.50% |
1.51% |
Daily, Paid Monthly |
Term Share Accounts(Certificates of Deposit)
| Term |
Minimum Balance
|
Rate
|
Effective Annual
Yield
|
Compounded
|
| 1 Year |
$500.00 |
2.75 |
2.778
|
Quarterly |
| 2 Year |
$500.00 |
3.00 |
3.034
|
Quarterly |
| 3 Year |
$500.00 |
3.25 |
3.290
|
Quarterly |
| IRA 1 Year |
$1000.00 |
2.75 |
2.778
|
Quarterly |
| IRA 2 Year |
$1000.00 |
3.00 |
3.034
|
Quarterly |
| IRA 3 Year |
$1000.00 |
3.25 |
3.290
|
Quarterly |
| 3 Months |
$1000.00 |
2.25 |
2.269
|
Quarterly |
| 6 Months |
$1000.00 |
2.50 |
2.524
|
Quarterly |
RCCCU HAS EXCELLENT LOAN RATES! RATES SHOWN ARE OUR BEST RATES AVAILABLE. YOUR ACTUAL RATE IS DETERMINED BASED ON THE TYPE OF LOAN, AND YOUR CREDIT HISTORY.
ALL RATES STATED ARE THE ANNUAL PERCENTAGE RATE
Vehicle Loans
New Vehicles & Motorcycles
2008 2007 Up to 100% Financing Available, including tax and insurance
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 48 Months
|
6.24%
|
6.74%
|
|
Up to 60 Months
|
6.44%
|
6.94%
|
|
Up to 72 Months
|
6.64%
|
7.14%
|
|
Up to 84 Months
|
6.64%
|
7.14%
|
|
Used Vehicles & Motorcycles
2006, 2005, 2004, 2003, Up to 100% Financing Available, including tax and insurance
|
| Term |
With Payroll/ACH |
Coupon Book |
|
24 Months
|
6.44%
|
6.94%
|
|
36 Months
|
6.64%
|
7.14%
|
|
48 Months
|
6.84%
|
7.34%
|
|
60 Months
|
7.04%
|
7.54%
|
|
Older Used Vehicles
2002 and older. NADA Retail Value - only for purchase if re-fi , NADA loan value only. Collector vehicle- 60% of values
|
| Term |
With Payroll/ACH |
Coupon Book |
|
93-99s up to 24 Months
|
6.99%
|
7.49%
|
|
2000 - 2001 up to 36 Months
|
7.19%
|
7.69%
|
|
2002 up to 48 Months
|
7.39%
|
7.89%
|
|
New Recreational-Snowmobiles, Campers, 4wheelers, Boats
(Never Titled) Up to 100% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 36 months
|
6.49%
|
6.99%
|
|
Up to 48 months
|
6.69%
|
7.19%
|
|
Up to 60 months
|
6.89%
|
7.39%
|
|
Used Recreational-Snowmobiles, Campers, 4wheelers, Boats
Up to 100% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
96-97s -Up to 24 Months
|
6.89%
|
7.39%
|
|
98-99s Up to 36 months
|
7.09%
|
7.59%
|
|
2000-2004 Up to 48 months
|
7.29%
|
7.79%
|
|
2005 & newer - Up to 60 months
|
7.49%
|
7.99%
|
Mobile Home Loans
|
New Mobile Home
Up to 80% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 15 year amortization
3 year balloon
|
10.99%
|
11.49%
|
|
Newer Mobile Home 2005-2000
Up to 70% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 10 year amortization
3 year balloon
|
12.69%
|
13.19%
|
|
Older Mobile Home1999-1992
Up to 70% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 5 year amortization
3 year balloon
|
12.69%
|
13.19%
|
|
New Motorhomes _2008, 2007
Up to 90% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 20 year amortization
3 year balloon
|
5.74%
|
6.24%
|
|
Newer Used Motorhome 2006, 2005, 2004
Up to 90% financing Available
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 20 year repayment
3 year balloon
|
6.19%
|
6.69%
|
|
Personal Signature Loans (fixed)
|
|
Term
|
Maximum Available |
Rate |
| UP TO 60 MONTHS BASED ON AMOUNT. |
UP TO $15000 FOR QUALIFIED BORROWERS |
AS LOW AS 10.24% |
|
Single Payment Note
|
| SAME AS PERSONAL LOANS |
Mortgages
RCCCU OFFERS UNLIMITED MORTGAGE LOAN OPTIONS.
CONTACT US FOR HOME PURCHASES, REFINANCING AND
CONSTRUCTION LOANS. COMPETITIVE RATES!
| Second Mortgages (Home Equitly) |
| AS LOW AS 7.00%. CALL RCCCU FOR MORE INFORMATION |
Miscellaneous
Savings Secured
Term up to 24 months |
3% above actual rate - minimum 7% |
CD Secured
Term to length of current CD |
3% above their CD rate - minimum 7% |
|
