Rates last updated on 7/28/2008
Share/Savings Rates | Certificate Rates | Loan Rates
Share/Savings Rates (Back to Top)
| Type | Dividend Rate | Annual Percentage Yield | Minimum Balance to Earn Dividend |
|---|---|---|---|
| Regular Savings | .30% |
.30% |
$5 |
| High Yield Savings | .45% |
.45% |
$5 to $2,499.99 |
1.50% |
1.51% |
$2,500 to $9,999.99 |
|
2.00% |
2.02% |
$10,000 to $24,999.99 |
|
2.30% |
2.32% |
$25,000 to $49,999.99 |
|
2.55% |
2.57% |
$50,000 and above |
|
| IRA Savings | 2.50% |
2.52% |
$5 |
| Christmas Club | .30% |
.30% |
$5 |
| Vacation Club | .30% |
.30% |
$5 |
Regular and IRA Share Certificate Rates (Back to Top)
| Term | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open |
|---|---|---|---|
| 6 Months | 2.75% |
2.79% |
$500 |
| 12 Months | 3.10% |
3.14% |
$500 |
| 24 Months | 3.50% |
3.55% |
$500 |
| 36 Months | 3.60% |
3.65% |
$500 |
| 48 Months | 3.80% |
3.85% |
$500 |
| 60 Months | 4.00% |
4.06% |
$500 |
*Rates subject to change. For detailed information on Share/Savings Accounts and Share Certificates click here for our Truth In Savings disclosure.
Loan Rates (Back to Top)
Auto | Boat/RV | Manufactured Housing | Home Equity | Mortgage | Signature | Freedom Line of Credit | Credit Cards | Share Secured
Auto - New or Used (Back to Top)
| Loan Term | APR* (as low as) |
|---|---|
12 - 60 Months |
6.10% |
72 Months |
6.30%** |
84 Months - New Auto Only over $40,000 |
6.75%** |
*Annual Percentage Rate (APR) subject to change. APRs above are for new money financing only and applicable for vehicle years 2000 or newer. APR assigned will be based on individual credit score. See a Rivertown Loan Specialist for details. **Terms over 60 months subject to minimum financing amount of $20,000 and must be of vehicle year 2003 or newer.
Boat, RV, Motorcycle, ORV, Personal Watercraft - New or Used (Back to Top)
| Loan Term | APR* (as low as) |
|---|---|
12 - 60 Months |
6.10% |
72 Months |
6.30 % |
84 Months |
6.40%** |
120 Months |
6.55%** |
144 Months with 7 Year Balloon |
6.45%** |
180 Months with 7 Year Balloon |
6.65%** |
*Annual Percentage Rate (APR) subject to change. APRs above are for new money financing only and applicable for vehicle years 2000 or newer. APR assigned will be based on individual credit score. Loan requests less than $5,000 will have a maximum term of 48 months. See a Rivertown Loan Specialist for details. **Terms over 60 months subject to minimum financing amount of $20,000. Terms over 180 months subject to minimum financing amount of $30,000.
Manufactured Housing - New or Used (Back to Top)
| Loan Term - Maximum Loan to Value of 60% | APR* (as low as) |
|---|---|
84 Months with 5 Year Balloon |
11.00% |
120 Months with 5 Year Balloon |
11.75% |
*Annual Percentage Rate (APR) subject to change. APRs above are for new money financing only. APR assigned will be based on individual credit score. Home value appraisal may be required and must be paid upfront. See a Rivertown Loan Specialist for details.
Home Equity Line of Credit (Back to Top)
| Loan Term - Maximum Loan to Value of 90% | APR* (as low as) |
|---|---|
Revolving |
5.25% |
*Annual Percentage Rate (APR) subject to adjustment at the beginning of each calendar quarter based on the published Wall Street Journal Prime Rate. Minimum payment based on a 180 month amortization of the most recent principal balance after the most recent draw of funds. The draw period will be seven (7) years. See a Rivertown Loan Specialist for details.
Home Equity Fixed Rate (Back to Top)
| Loan Term - Maximum Loan to Value of 80% | APR* (as low as) |
|---|---|
84 Months |
6.99% |
120 Months |
7.15% |
180 Months with 7 Year Balloon |
6.99% |
240 Months with 7 Year Balloon |
7.15% |
| Loan Term - Maximum Loan to Value of 90% | APR* (as low as) |
|---|---|
84 Months |
7.49% |
120 Months |
7.65% |
180 Months with 7 Year Balloon |
7.49% |
240 Months with 7 Year Balloon |
7.65% |
*Annual Percentage Rate (APR) subject to change. APR assigned will be based on individual credit score. Home value appraisal may be required and must be paid upfront. See a Rivertown Loan Specialist for details.
First Mortgage with Balloon (Back to Top)
| Loan Term - Maximum Loan to Value of 80% | APR* (as low as) |
|---|---|
30 Year with 5 Year Balloon |
5.99% |
30 Year with 8 Year Balloon |
6.15% |
| Loan Term - Maximum Loan to Value of 90% | APR* (as low as) |
|---|---|
30 Year with 5 Year Balloon |
6.25% |
30 Year with 8 Year Balloon |
7.00% |
*Annual Percentage Rate (APR) subject to change. APR assigned will be based on individual credit score. Home value appraisal may be required and must be paid upfront. See a Rivertown Loan Specialist for details.
Other Mortgage Rates and Terms From Our Partner
*Rivertown Community Federal Credit Union does not control the rates posted by Member First Mortgage. For details on rates, terms, and fees on Member First Mortgage loans, visit the Member First Mortgage website.
Signature Loan (Back to Top)
| Loan Term | APR* (as low as) |
|---|---|
Up to 48 Months |
10.00% |
*Annual Percentage Rate (APR) subject to change. APR assigned will be based on individual credit score. See a Rivertown Loan Specialist for details.
Freedom Line of Credit (Back to Top)
| Loan Term | APR* (as low as) |
|---|---|
Revolving |
11.25% |
*Annual Percentage Rate (APR) subject to change. APR assigned will be based on individual credit score. See a Rivertown Loan Specialist for details.
Credit Cards (Back to Top)
| Card Type | Fixed APR* |
|---|---|
Platinum (Learn More) |
8.90% |
Classic (Learn More) |
10.90% |
*Annual Percentage Rate (APR) subject to change. Card type, limit, and APR assigned will be based on individual credit score. See a Rivertown Loan Specialist for details.
Share Secured (Back to Top)
| Loan Term | APR* |
|---|---|
Up to 36 Months |
3.4508% |
*Annual Percentage Rate (APR) subject to change. APR assigned will be based on current Regual Share/Savings rate plus 3.00%. Limitations will be placed on access to the Shares used to secure this loan. See a Rivertown Loan Specialist for details.
Your Savings Federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Copyright © 2006 Rivertown Community Federal Credit Union
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