R-G FCU | Rates and Fees

Rate Schedule

We offer home mortgages along with loans for vehicles, motorcycles, RV's, and boats - New and Used!


Estimated Payments per $1000.00 Borrowed
Product APR Based on Term Estimated per $1000 Borrowed
100% Share Secured up to 120 Months 3.0% 24 Months $42.99
Share Certificate Secured
(2.5% over current Certificate rate)
Current Certificate Rate + 2.5%
(minimum 3.0%)
24 Months $42.99
New Vehicle loan *as low as 3.09% 24 Months $43.08

*APR for loan terms not exceeding 24 months.
Other rates and terms available. Final rate and term will be based on credit worthiness and collateral.
Estimated monthly payments on 24-month loan at __% APR = $__.__ per $1000 borrowed.

Mortgage Rates Vehicles, Boats, and RVs Personal Loans Deposit/Share Certificate Rates Fee Schedule

Effective as of: 12/1/16
While we attempt to keep our website current, please note - branch rates will always prevail.
New Vehicle Loans (1 Year Old or Newer) Includes Autos, Boats, Motorcycles, RVs
Loan to Value (LTV) based on lower of MSRP or Purchase Price. Base Rate = 92-102% LTV. Rates listed subject to change based on LTV above or below Base Rate.
Beacon ScoreTermAPR
Above 7300 to 603.09%
61 to 723.59%
73 to 844.39%
85 to 965.39%
97 to 1086.39%
RVs up to 1206.39%
RVs up to 180 7.39%
86 to 108 month minimum loan amount $20,000 | RV terms over 108 months minimum loan amount $40,000 | Terms over 120 months New collateral only.
 
680 to 7290 to 604.09%
61 to 724.59%
73 to 845.39%
85 to 966.39%
97 to 1087.39%
RVs up to 1207.39%
RVs up to 1808.39%
86 to 108 month minimum loan amount $20,000 | RV terms over 108 months minimum loan amount $40,000 | Terms over 120 months New collateral only.
 
640 to 6790 to 605.59%
61 to 726.09%
73 to 846.89%
85 to 967.89%
97 to 1088.89%
RVs up to 1208.89%
86 to 108 month minimum loan amount $20,000 | RV terms over 108 months minimum loan amount $40,000
 
600 to 6390 to 607.09%
61 to 727.59%
73 to 848.39%
85 to 969.39%
97 to 10810.39%
 
550 to 5990 to 6014.99%
61 to 7215.99%
 
001 to 5490 to 6016.99%
61 to 7217.99%
Used Vehicle Loans (Includes Autos, Boats, Motorcycles, RVs)
Loan to Value (LTV) based on lower of NADA retail value or Purchase Price. Base Rate = 92-102% LTV. Rates listed subject to change based on LTV above or below Base Rate.
 
2-3 Year Old Vehicle - add .50% to above rates - max term 84 months subject to credit approval.
4-6 Year Old Vehicle - add 1.0% to above rates - max term 72 months subject to credit approval.
7-9 Year Old Vehicle - add 2.0% to above rates - max term 48 months subject to credit approval.
10 Year or Older Vehicle - add 3.0% to above rates - max term 36 months subject to credit approval.
 
Note: Federal Credit Unions max vehicle rate = 18% APR
Vehicles with over 125,000 miles must have a visual inspection
Additional member relationship discounts may apply down to our established floor rate.
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