Welcome to R-G Federal Credit Union

Toll Free: 1-866-852-6478   R/T# 301080392

Estimated Payments per $1000.00 Borrowed

Product APR Based on Term Estimated per $1000 Borrowed
100% Share Secured up to 120 Months 4.50% 24 Months $43.64
Share Certificate Secured (2.5% over current Certificate rate) Current Certificate Rate + 2.5% (minimum 4.5%) 24 Months $43.64
New Vehicle loan *as low as 2% 24 Months $42.54
Used Vehicle loan *as low as 3%24 Months $42.98
New Recreational Vehicle *as low as 4% 24 Months $43.42
Used Recreational Vehicle *as low as 5% 24 Months $43.87
New Motorcycle *as low as 3% 24 Months $42.98
Used Motorcycle *as low as 4% 24 Months $43.42
New Boat *as low as 3% 24 Months $42.98
Used Boat *as low as 4% 24 Months $43.42

*APR available from January 1 through January 31, 2013 for loan terms not exceeding 24 months.
Estimated monthly payments on 24-month loan at __% APR = $__.__ per $1000 borrowed.

First Mortgages

 

Beacon Scores

 
Term 680 APR** 640-679 APR** 600 -639 APR** Origination Fee

5 Year Renewable - 80% LTV

3.75% 4.00% 4.50% 1.00%
         

10 Year Fixed - 80% LTV

       

$50,000-$250,000

$250,001-$460,000

3.50%

4.50%

3.75%

4.75%

4.25%

5.25%

1.00%

1.00%

         

15 Year Fixed - 80% LTV

       

$50,000 - $250,000

$250,001 - $460,000

3.60%

4.60%

3.85%

4.85%

4.35%

5.35%

1.00%

1.00%

         

20 Year Fixed - 80% LTV

       

$50,000 - $250,000

$250,001 - $460,000

4.10%

5.10%

4.35%

5.35%

4.95%

5.95%

1.00%

1.00%

         

30 Year Fixed - 80% LTV

       

$50,000 - $250,000

$250,001 - $460,000

4.35%

5.35%

4.60%

5.60%

5.25%

6.25%

1.00%

1.00%

         

VA Mortgage Rates

       

$50,000 - $463,000

4.10% 4.35% 4.95% 1.00%

 

Second Mortgages

 

Beacon Scores

 
Term: Above 680 APR** 640-679 APR** 600-630 APR** Origination Fee

10 Year Fixed - 80% LTV

       

$5,000 - $50,000

6.00% 6.25% 7.00% 1.00%
         

5 Year Renewable - 80% LTV

       

$5,000 - $50,000

6.50% 6.75% 7.00% 1.00%
         

5 Year Fixed Rate - 85% LTV

       

$5,000 - $15,000

5.50% 5.75% 6.00% 1.00%
         

7 Year Fixed Rate - 87% LTV

       

$5,000 - $20,000

6.50% 6.75% 7.00% 1.00%
         

Home Equity Line of Credit (Prime as of 1/04 + 1.5%)

7.00% 7.00% 7.00% 1.00%

 

Secured Loans

Secured Loans APR*
100% Share Secured up to 120 Months

4.50%

Share Certificate Secured Loans (2.5% Over Current Share Certificate Rate) Maximum Term up to Maturity Date of Share Certificate Current Share Certificate rate +2.5% (minimum 4.5%)

 

VISA

VISA APR*

APR*

R-G Federal Credit Union Classic Visa Card 12.75%
R-G Federal Credit Union "Platinum" Visa (Rates staring as low as) 8.75%

 

New Vehicle Loans (2013 or newer with less than 20,000 miles)

Beacon Score Term APR
Above 730

24 to 36

37 to 48

49 to 66

67 to 84

2.00%

2.50%

3.00%

4.00%

680 to 729

24 to 36

37 to 48

49 to 66

67 to 78

2.75%

3.25%

3.75%

4.75%

640 to 679

24 to 36

37 to 48

49 to 66

67 to 72

4.00%

4.50%

5.00%

6.00%

600 to 639

24 to 36

37 to 48

49 to 66

67 to 72

9.25%

9.75%

10.25%

11.25%

550 to 599

24 to 36

37 to 48

49 to 66

17.00%

17.50%

18.00%

001 to 549

24 to 66

18.00%

 

Used Vehicle Loans (2012 or older with less than 75,000 miles)

Beacon Score Term APR
Above 730

24 to 36

37 to 48

49 to 66

67 to 84

3.00%

3.50%

4.00%

5.00%

680 to 729

24 to 36

37 to 48

49 to 66

67 to 78

3.75%

4.25%

4.75%

5.75%

640 to 679

24 to 36

37 to 48

49 to 66

67 to 72

5.00%

5.50%

6.00%

7.00%

600 to 639

24 to 36

37 to 48

49 to 66

67 to 72

10.25%

10.75%

11.25%

12.25%

550 to 599

24 to 36

37 to 48

49 to 66

17.25%

17.75%

18.00%

001 to 549

24 to 66

18.00%

   

Used Vehicle Loans (2012 or older with more than 75.000 miles)

Beacon Score Term APR
Above 730

24 to 36

37 to 48

49 to 66

67 to 84

4.00%

4.50%

5.00%

6.00%

680 to 729

24 to 36

37 to 48

49 to 66

67 to 78

4.75%

5.25%

5.75%

6.75%

640 to 679

24 to 36

37 to 48

49 to 66

67 to 72

6.00%

6.50%

7.00%

8.00%

600 to 639

24 to 36

37 to 48

49 to 66

67 to 72

11.25%

11.75%

12.25%

13.25%

550 to 599

24 to 36

37 to 48

 

17.75%

18.00%

001 to 549

24 to 36

18.00%

   

 

New Recreational Vehicle Loans (2013 and newer)

Beacon Score Term APR
Above 730

24 to 36

37 to 60

61 to 84

85 to 120

4.00%

5.00%

6.00%

7.50%

680 to 729

24

36 to 48

49 to 66

67 to 78

4.50%

5.50%

6.50%

8.00%

640 to 679

24

36 to 48

49 to 66

67 to 72

5.50%

6.50%

7.50%

9.00%

600 to 639

24

36

48

60

8.50%

9.50%

10.50%

12.00%

550 to 599

24

36

48

16.50%

16.75%

17.00%

001 to 549

24

36

17.00%

17.00%

   

 

Used Recreational Vehicle Loans (2012 and older)

Beacon Score Term APR
Above 730

24 to 36

37 to 60

61 to 72

73 to 84

5.00%

6.00%

7.00%

8.00%

680 to 729

24

36 to 48

49 to 66

67 to 78

5.50%

6.50%

7.50%

8.50%

640 to 679

24

36 to 48

49 to 66

67 to 72

6.50%

7.50%

8.50%

9.50%

600 to 639

24

36 to 48

49 to 66

67 to 72

9.50%

10.50%

11.50%

12.50%

550 to 599

24

36

48

17.50%

17.75%

18.00%

001 to 549

24

36

18.00%

18.00%

   

 

New Motorcycle Loans (2013 and newer)

Beacon Score Term APR
Above 730

24

25 to 42

43 to 60

72

3.00%

4.00%

5.00%

6.00%

680 to 729

24

25 to 42

43 to 60

72

4.00%

5.00%

6.00%

7.00%

640 to 679

24

36

48

60

6.00%

7.00%

8.00%

9.00%

600 to 639

24

36

48

11.00%

12.00%

13.00%

550 to 599 24
36
48
16.50%
16.75%
17.00%
001- to 549 24
36
17.00%
17.00%

 

Used Motorcycle Loans (2012 and older)

Beacon Score Term APR
Above 730

24

25 to 42

43 to 60

72

4.00%

5.00%

6.00%

7.00%

680 to 729

24

25 to 42

43 to 60

72

5.00%

6.00%

7.00%

8.00%

640 to 679

24

36

48

60

7.00%

8.00%

9.00%

10.00%

600 to 639

24

36

48

12.00%

13.00%

14.00%

550 to 599 24
36
48
17.50%
17.75%
18.00
001 to 549 24
36
18.00%
18.00%

 

New Boat Loans (2013 and newer)

Beacon Score Term APR
Above 730

24

36 to 48

49 to 66

67 to 84

3.00%

4.00%

5.50%

7.00%

680 to 729

24

36 to 48

49 to 66

67 to 78

3.50%

4.50%

6.00%

7.50%

640 to 679

24

36 to 48

49 to 66

67 to 72

4.50%

5.50%

7.00%

8.50%

600 to 639

24

36 to 48

49 to 66

67 to 72

9.50%

10.50%

12.00%

13.50%

550 to 599

24

36

48

16.50%

16.75%

17.00%

001 to 549

24

36

17.00%

17.00%

 

Used Boat Loans (2012 and older)

Beacon Score Term APR
Above 730

24

36 to 48

49 to 66

67 to 84

4.00%

5.00%

6.50%

8.00%

680 to 729

24

36 to 48

49 to 66

67 to 78

4.50%

5.50%

7.00%

8.50%

640 to 679

24

36 to 48

49 to 66

67 to 72

5.50%

6.50%

8.00%

9.50%

600 to 639

24

36

48

60

10.50%

11.50%

13.00%

14.50%

550 to 599

24

36

48

17.50%

17.75%

18.00%

001 to 549

24

36

18.00%

18.00%

 

Signature Loans

Beacon Score Term (Months) APR
Above 730

24

36

48

60

8.75%

9.00%

9.25%

9.50%

680 to 729

24

36

48

60

10.00%

10.25%

10.50%

10.75%

640 to 679

24

36

48

12.00%

12.25%

12.50%

600 to 639

24

36

48

14.00%

14.25%

14.50%

550 to 599

24

36

17.75%

18.00%

001 to 549

24

18.00%

 

R-G Matic Loans (Effective September 1, 2012)

Beacon Score Term (Months) APR

Above 730

24

36

48

60

9.25%

9.50%

9.75%

10.00%

680 to 729

24

36

48

60

9.50%

9.75%

10.00%

10.25%

640 to 679

24

36

48

60

12.50%

12.75%

13.00%

13.25%

 

 

Deposit Account Dividends

APR APY
Share Accounts Current Rate Current Rate
$100.00 to $1,999.99 0.17% 0.17%
$2,000.00 to $4,999.99 0.24% 0.24%
$5,000.00 to $9,999.99 0.31% 0.31%
$10,000.00 to $19,999.99 0.38% 0.38%
$20,000.00 and Above 0.45% 0.45%
Smart Saver Current Rate Current Rate
$100.00 to $1,999.99 0.22% 0.22%
$2,000.00 to $4,999.99 0.29% 0.29%
$5,000.00 to $9,999.99 0.36% 0.36%
$10,000.00 to $19,999.99 0.43% 0.43%
$20,000.00 and Above 0.50% 0.50%
Holiday Club Current Rate Current Rate
$100.00 and Over 0.40% 0.40%
IRA Accounts Current Rate Current Rate
$100.00 and Over 0.55% 0.55%
Share Draft Type 70 Current Rate Current Rate
$100.00 and Over 0.10% 0.10%