Loan Rates
| Loan Type | Term | APR |
|---|---|---|
| New/ Used Car* | Up to 72 Months | As Low As 3.25% |
| Up to 66 Months | As Low As 3.00% | |
| Up to 60 Months | As Low as 2.75% | |
| Credit Card | Visa ® | 11.90% |
| Visa ® Gold | 9.90% | |
| Visa ® Share Secured | 8.90% | |
| Home Equity1 | Variable Rate, 3% cap | As Low As 4.50% |
| Share Secured* | Add 2% to savings rate | |
| Line of Credit | 15.00% | |
| Signature* | As Low As 9.00% | |
| Christmas Loan* | Up to $2000 | As Low As 6.25% |
* 0.25% discount available for automatic payment
Loan interest rate and approval subject to qualified credit. Please contact your Loan Officer for further details. New loans only, these rates may not apply for the refinancing of current River Community Credit Union loans
1 Loan interest rates are variable, subject to change on loan anniversary date each year. Loan interest rates and approval subject to qualified credit, account balance and product usage relationship, and available equity in your home. Maximum of 95% loan-to-value. Minimum annual percentage rate of 4.00%APR. Maximum annual percentage rate of 7.00%APR. Property insurance is required.
ANNUAL PERCENTAGE RATE. Terms and qualifications apply. Advertised rates are subject to change at any time.
Dividend Rates
| Type | Term | Rate | APY |
|---|---|---|---|
| Basic Share ($5 to open, $100 balance to earn APY) | .30% | .30% | |
| Kirby/Status One ($5 to open. $100 balance to earn APY) | .40% | .40% | |
| Share Certificates ($1000 Minimum)
Additional Rates Available Over $10,000 |
6 month | .90% | .90% |
| 12 month | 1.50% | 1.50% | |
| 24 month | 1.98% | 1.95% | |
| 36 month | 2.09% | 2.05% | |
| 60 month | 2.35% | 2.25% | |
| Kirby Share Certificate ($250 Minimum) | 12 month | 1.95% | 1.95% |
| Money Market($2500 Minimum) | up to $15,000 | .60% | .60% |
| $15,001-$25,000 | .80% | .80% | |
| $25,001 -$49,000 | 1.00% | 1.00% | |
| $50,001 and up | 1.25% | 1.25% | |
| IRA | 1.50% | 1.50% |
Dividend rates are subject to change after account opening.
Fees could reduce the amount of earnings on account.
Minimum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance is not maintained. Fees could reduce earnings on the account. APY accurate as of the last dividend declaration date. Rates subject to change at any time.
