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 2.49% 24 Months $42.72

*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: 4/1/2016
First Mortgages
Term680 APR**640-679 APR** 600 -639 APR**Origination Fee
10 Year Fixed - 80% LTV$50,000 - $250,0003.25%3.35%4.25%1.00%
10 Year Fixed - 80% LTV$250,001 - $460,0004.25%4.35%N/A1.00%
10 Year Fixed VA 100% LTV$50,000 - $463,0003.25%3.50%4.10%1.00%
15 Year Fixed - 80% LTV$50,000 - $250,0003.35%3.45%4.35%1.00%
15 Year Fixed - 80% LTV$250,001 - $460,0004.35%4.45%N/A1.00%
15 Year Fixed VA 100% LTV$50,000 - $463,0003.35%3.60%4.10%1.00%
20 Year Fixed - 80% LTV$50,000 - $250,0003.75%3.85%4.75%1.00%
20 Year Fixed - 80% LTV$250,001 - $460,0004.75%4.85%N/A1.00%
20 Year Fixed VA 100% LTV$50,000 - $463,0003.45%3.70%4.40%1.00%
30 Year Fixed - 80% LTV$50,000 - $250,0003.95%4.05%4.95%1.00%
30 Year Fixed - 80% LTV$250,001 - $460,0004.95%5.05%N/A1.00%
30 Year Fixed VA 100% LTV$50,000 - $463,0003.60%3.85%4.70%1.00%
Second Mortgages
Term:Above 680 APR**640-679 APR**600-630 APR**Origination Fee
10 Year Fixed - 80% LTV$5,000 - $50,0006.00%6.25%7.00%1.00%
5 Year Fixed Rate - 85% LTV$5,000 - $15,0005.50%5.75%6.00%1.00%
7 Year Fixed Rates - 87% LTV$5,000 - $20,0006.50%6.75%7.00%1.00%
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