R-G FCU | Rates and Fees

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% 36 Months $29.09
Share Certificate Secured
(2.5% over current Certificate rate)
Current Certificate Rate + 2.5%
(minimum 3.0%)
36 Months $29.09
New Vehicle loan *as low as 2.75% 36 Months $28.98

*APR for loan terms not exceeding 36 months.
Other rates and terms available. Final rate and term will be based on credit worthiness and collateral.
Estimated monthly payments on 36-month loan at __% APR = $__.__ per $1000 borrowed.

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

Effective as of: 04/01/2018
While we attempt to keep our website current, please note - branch rates will always prevail.
Vehicle Loans, Boats, Motorcycles, RVs
Loan to Value (LTV) based on NADA Retail Value or MSRP for New Vehicles. Base Rate = 92-102% LTV. Rates listed subject to change based on LTV above or below Base Rate. *Your term and annual percentage rate may vary depending on your credit worthiness, vehicle age, and amount financed. Speak to a loan officer for details on how your rate is determined.
Loan TypeMax Term*APR*
New Autos (2017 108 MonthsAs Low As 2.75%
Used Autos (2015-2016)84 MonthsAs Low As 3.25%
Used Autos (2012-2014)72 MonthsAs Low As 3.75%
Used Autos (2009-2011)48 MonthsAs Low As 4.75%
Used Autos (2008 36 MonthsAs Low As 5.75%
Motorcycles108 MonthsAs Low As 2.75%
Boats108 MonthsAs Low As 2.75%
RVs (Campers/Motor Homes/Trailers)180 MonthsAs Low As 2.75%
86 to 108 month minimum loan amount $20,000 | RV terms over 108 months minimum loan amount $40,000 | RV terms over 120 months New collateral only.
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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