|
Effective Date(04/14/2010)
Savings Rates
|
Account Type
|
Minimum Balance
|
Rate
|
Effective Annual
Yield
|
Compounded
|
|
Regular Savings
|
$5.00
|
0.25%
|
0.25%
|
Daily, Paid Quarterly
|
|
IRA Savings & HSAs
|
$5.00
|
1.00%
|
1.00%
|
Daily, Paid Quarterly
|
|
Share Draft
(Checking)
|
NONE
|
0.15%
|
0.15%
|
Daily Average over
$500.00, paid Monthly
|
|
Christmas Club
|
$5.00
|
.75
|
.75%
|
Daily, Paid Monthly
|
|
Navigator
Money Market
|
$2500.00-9,999.99
$10,000-24,999.99
$25,000-49,999.99
$50,000 and up
|
.60%
.80%
.96%
1.08%
|
.60%
.80%
.96%
1.08%
|
Daily,
Paid Monthly
|
Term Share Accounts(Certificates of Deposit)
| Term |
Minimum Balance
|
Rate
|
Effective Annual
Yield
|
Compounded
|
| 1 Year |
$500.00 |
1.25 |
1.267
|
Quarterly |
| 2 Year |
$500.00 |
1.50 |
1.508
|
Quarterly |
| 3 Year |
$500.00 |
1.75 |
1.762
|
Quarterly |
| IRA 1 Year |
$1000.00 |
1.25 |
1.267
|
Quarterly |
| IRA 2 Year |
$1000.00 |
1.50 |
1.508
|
Quarterly |
| IRA 3 Year |
$1000.00 |
1.75 |
1.762
|
Quarterly |
| 3 Months |
$1000.00 |
.75 |
.750
|
Quarterly |
| 6 Months |
$1000.00 |
1.00 |
1.000
|
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
2010.2009 Up to 100% Financing Available, including tax and insurance
|
| Term |
With Payroll/ACH |
Coupon Book |
|
Up to 48 Months
|
4.74%
|
5.24%
|
|
Up to 60 Months
|
4.94%
|
5.44%
|
|
Up to 72 Months
|
5.14%
|
5.64%
|
|
Up to 84 Months
|
5.34%
|
5.84%
|
|
Used Vehicles & Motorcycles
2005-2009, 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
2004 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 |
|
1995--2001 - 24 Months
|
6.99%
|
7.49%
|
|
2002 - 2003 - 36 Months
|
7.19%
|
7.69%
|
|
2004 - 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 |
|
1998-1999 - Up to 24 Months
|
6.89%
|
7.39%
|
|
2001-2002- Up to 36 months
|
7.09%
|
7.59%
|
|
2002-2006-U p to 48 months
|
7.29%
|
7.79%
|
|
2007-2008- Up to 60 months
|
7.49%
|
7.99%
|
|
New Motorhomes 2009-2010
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 2006-2008
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 5.00%. 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% |
|
