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: 2/17/17
While we attempt to keep our website current, please note - branch rates will always prevail.
Personal Loans
Secured Loans
Secured LoansAPR
100% Share Secured up to 120 Months3.00%
Share Certificate Secured Loans
(2.5% Over Current Share Certificate Rate)
Maximum Term up to Maturity Date of
Current Share Certificate rate plus2.5% (minimum 3.00%)
 
VISA
VISA ProductAPR
R-G Federal Credit Union Classic Visa Card12.75%
R-G Federal Credit Union Platinum Visa (Rates starting as low as)8.75%
 
Signature Loans
Beacon ScoreTerm (Months)APR
Above 730 (Max 6X AGI subject to credit approval)0 to 608.95%
680 to 729 (Max 5X AGI subject to credit approval)0 to 609.95%
640 to 679 (Max 4X AGI subject to credit approval)0 to 4812.95%
600 to 639 (Max 3X AGI subject to credit approval)0 to 3615.95%
500 to 599 (Max 2X AGI subject to credit approval)2417.95%
No Score (Max $500 individual / $1000 joint subject to credit approval)1217.95%
499 and Below (with score)Does not qualify for signature loan
 
R-G Matic Line of Credit Loans
Beacon ScoreTerm (Months)APR
Above 730 (Max 6X AGI subject to credit approval)0 to 608.95%
680 to 729 (Max 5X AGI subject to credit approval)0 to 609.95%
640 to 679 (Max 4X AGI subject to credit approval)0 to 4812.95%
 
Limits listed above are maximum cumulative totals for all unsecured lines with RGFCU.
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