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Welcome to R-G Federal Credit Union

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

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

Effective as of: 2/1/16
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 602.99%
61 to 723.49%
73 to 844.49%
85 to 965.49%
97 to 1086.49%
RVs up to 1206.49%
86 to 108 month minimum loan amount $20,000
 
680 to 7290 to 604.49%
61 to 724.99%
73 to 845.99%
85 to 966.99%
97 to 1087.99%
RVs up to 1207.99%
86 to 108 month minimum loan amount $20,000
 
640 to 6790 to 606.99%
61 to 727.49%
73 to 848.49%
85 to 969.49%
97 to 10810.49%
RVs up to 12010.49%
86 to 108 month minimum loan amount $20,000
 
600 to 6390 to 608.99%
61 to 729.49%
73 to 8410.49%
85 to 9611.49%
97 to 10812.49%
 
550 to 5990 to 6014.99%
61 to 7215.99%
73 to 8416.99%
 
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% 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% to above rates - max term 36 months subject to credit approval.
 
Note: Federal Credit Unions max vehicle rate = 18% APR
Vehicles with over 75,000 miles must have a visual inspection
Additional member relationship discounts may apply down to our established floor rate.