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Loans • Savings
Rates are as of 11/18/08 and are subject to change
Loan Rates
To Calculate your Loan Payment Click Here!
|
MODEL YEAR OR SPECIAL NOTES |
MAX TERM |
APR* |
| AUTO LOANS |
|
|
| 2007 - 2008 |
UP TO 60 MOS |
5.75% APR |
| |
UP TO 66 MOS > $15,000 |
6.00% APR |
| |
UP TO 72 MOS > $20,000 |
6.50% APR |
| 2006 |
UP TO 60 MOS |
5.75% APR |
| 2005 |
UP TO 60 MOS |
6.00% APR |
| 2004 |
UP TO 48 MOS |
6.25% APR |
| 2003 |
UP TO 48 MOS |
7.00% APR |
| 2002 & Older |
UP TO 48 MOS |
7.25% APR |
| MOTORCYCLES |
|
|
| NEW |
60 MOS |
7.00% APR |
| USED (5 YEARS) |
60 MOS |
7.75% APR |
| MOTOR HOMES |
|
|
| NEW |
60 MOS |
7.25% APR |
| USED (5 YEARS) |
60 MOS |
7.75% APR |
| SNOW, ATV, JET SKI |
|
|
| NEW |
60 MOS |
7.25% APR |
| USED (5 YEARS) |
60 MOS |
8.00% APR |
| CAMPERS/TRAILERS |
|
|
| NEW |
60 MOS |
7.25% APR |
| USED (5 YEARS) |
60 MOS |
8.00% APR |
| BOATS |
|
|
| NEW |
60 MOS |
7.25% APR |
| USED (5 YEARS) |
60 MOS |
7.75% APR |
| |
|
|
| SHARE SECURED |
|
|
| |
24 MOS
Balloon loan if > 24 MOS |
6.00% APR |
| CD SECURED |
|
|
| |
24 MOS
Balloon loan if > 24 MOS |
3% OVER CD RATE |
| PERSONAL |
|
|
|
|
Collateral may be required.
Term determined by Credit Committee |
11.00% APR up to 36 mos
12.00% APR up to 48 mos
13.00% APR up to 60 mos |
| NOTES |
|
|
| Fee $15.00 |
|
15.00% APR |
|
|
|
| HOME EQUITIES |
|
|
| |
60 MOS |
6.25% APR |
| |
120 MOS |
6.75% APR |
| HOME EQUITY LINE OF CREDIT |
|
|
| Rates are based on the amount on the initial advance. This is a variable rate loan. |
180 MOS |
All rates are PRIME, PLUS the following margins:
$ 5,000.00 - $ 24,999.99 + .75%
$25,000.00 - $ 49,999.99 + .50%
$50,000.00 - $100,000.00 + .25% |
| HOME EQUITY BALLOON |
|
|
| Minimum draw of $10,000.00 |
5 year Balloon amortized over 240 months |
6.50% APR |
| Your exact monthly payment will vary depending on the term, APR and amount of loan at the time of approval. For example, the estimated monthly payment for a 60 month loan at 7.75% APR would be $201.62. (Approximately $20.17 per $1,000.00) |
*Annual Percentage Rate - Apr's listed are “As Low As”, based on credit score and subject to credit approval.
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Savings Rates
Calculate How Much You Will Save!
Share Certificates
|
Term |
Minimum to open
and obtain APY |
Rate |
APY* |
Compounded |
|
Jumbo 90-day |
$100,000.00 |
3.00% |
3.00% |
At Maturity |
|
Jumbo 18 month |
$100,000.00 |
3.60% |
3.66% |
Monthly |
|
6 month |
$1,000.00 |
1.90% |
1.92% |
Monthly |
|
1 year |
$1,000.00 |
2.10% |
2.12% |
Monthly |
|
2 year |
$1,000.00 |
2.35% |
2.38% |
Monthly |
|
3 year |
$1,000.00 |
2.75% |
2.79% |
Monthly |
|
Student CD 1 year** |
$100.00 |
2.10% |
2.12% |
Quarterly |
Rates are effective 11/18/08 and are subject to change
*APY is annual percentage yield.
**Available to account holders up to 22 years of age.
Penalties may be imposed for early withdrawal
Share Accounts
|
Minimum Balance
to Open |
Minimum to
obtain APY |
Rate |
APY* |
Compounded |
|
$5.00 |
$100.00 |
.60% |
.60% |
Quarterly |
Rates are effective 11/18/08 and are subject to change
*APY is annual percentage yield.
Money Market Accounts
|
Balance |
Rate |
APY* |
Compounded |
|
$2,500 - 24,999 |
1.10% |
1.11% |
Monthly |
|
$25,000 - 49,999 |
1.60% |
1.61% |
Monthly |
|
$50,000+ |
1.90% |
1.92% |
Monthly |
Rates are effective 11/18/08 and are subject to change
*APY is annual percentage yield.
Minimum amount required to open is $2500.00
IRA Rates
|
Minimum Balance
to Open |
Minimum to
obtain APY |
Rate |
APY* |
Compounded |
|
$5.00 |
$5.00 |
1.75% |
1.76% |
Quarterly |
Rates are effective 11/18/08 and are subject to change
*APY is annual percentage yield.
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Riverview Community Federal Credit Union
102 South Third Street
St. Clair, Michigan
48079
810.329.6638
Fax: 810.329.9668
mbrservices@riverviewcommunityfcu.com
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