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 2.19% 24 Months $42.63

*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: 11/01/2017
First Mortgages
Term680 Beacon APR640-679 Beacon APR 600 -639 Beacon APROrigination Fee
10 Year Fixed - 80% LTVUp to $500,0003.275%3.525%4.275%1.00%
10 Year Fixed VA 100% LTVUp to $500,0003.025%3.275%4.025%1.00%
15 Year Fixed - 80% LTVUp to $500,0003.375%3.625%4.375%1.00%
15 Year Fixed VA 100% LTVUp to $500,0003.125%3.375%4.125%1.00%
20 Year Fixed - 80% LTVUp to $500,0004.000%4.250%5.000%1.00%
20 Year Fixed VA 100% LTVUp to $500,0003.750%4.000%4.750%1.00%
30 Year Fixed - 80% LTVUp to $500,0004.125%4.375%5.125%1.00%
30 Year Fixed VA 100% LTVUp to $500,0003.875%4.125%4.875%1.00%
Second Mortgages
Term:680 Beacon APR640-679 Beacon APR600-630 Beacon APROrigination Fee
5 Year Fixed - 80% LTV$5,000 - $50,0004.500%4.750%5.500%1.00%
5 Year Fixed - 85% LTV$5,000 - $15,0005.000%5.250%6.000%1.00%
7 Year Fixed - 85% LTV$5,000 - $20,0006.000%6.250%7.000%1.00%
10 Year Fixed - 80% LTV$5,000 - $50,0006.250%6.500%7.250%1.00%
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