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Rates

DIVIDEND RATES
(First Quarter, 2010)

LOAN RATES
(as of March 1st, 2010
)

First Mortgages*

Term:

APR**

Points

Origination

15-Year Fixed $25,000 - $50,000

6.00%

0

2

15-Year Fixed $50,001 - $250,00

 5.00%

0

1

15-Year fixed $250,000 - to 10% of unimpared capitol plus surplus

6.50%

0

1

30-Year Fixed $25,000 - $50,000

6.25%

0

1

30-Year Fixed $50,001 - $250,000

5.25%

0

1

30-Year Fixed$250,000 - to 10% of unimpared capitol plus surplus

6.75%

0

1

5-Year Renewable

5.00%

0

1

Modification Agreement

 

 

2

*Real estate rates and terms effective 12/17/09 until changed
**APR = Annual Percentage Rates

Second Mortgages*

Term:

APR**

Points

Origination

10-Year Fixed Rate

6.75%

0

½

5-Year Renewable

6.50%

0

½

5-Year Fixed Rate up to $15,000

5.50%

0

½

7-Year Fixed Rate up to $20,000

6.50%

0

½

Home Equity Line of Credit (Prime as of 1/04 + 1.5%)

7.00%

0

½

FHA Home Improvement Loan

8.25%

0

½

*Real estate rates and terms effective 12/17/09 until changed
**APR = Annual Percentage Rates

New & Used Vehicles & Recreational Vehicles  *APR

Beacon Score/Grade:

24 Mos.

36 Mos.

48 Mos.

60 Mos.

72 Mos.

730+/Platnum          

4.25%

4.50%

4.75%

4.75%

5.25%

680 - 729/A           

4.50%

4.75%

5.00%

5.50%

6.00%

     640 - 679/B           

6.00%

6.25%

6.50%

7.00%

7.50%

            600 - 639/ C           

8.00%

8.25%

8.50%

9.00%

9.50%

            550 - 599/D           

11.5%

11.75%

12.00%

12.50%

N/A

549 or less/E          

  15.0%

15.50%

16.00%

16.50%

N/A

*APR = Annual Percentage Rate

 


Signature/R-G Matic Loans APR*

680 - 729/A   

9.25%

8.25%

   

 640 - 679/B   

11.50%

10.50%

   

600 - 639/ C  

13.50%

12.50%

   

 550 - 599/D  

16.50%

N/A

   

  549 or less/E     

17.50%

N/A

   
*APR = Annual Percentage Rate

 

 

Smart Saver (Savings) Account*

Average Daily Balance:

$500 - $1,999

$2,000 - $4,999

$5,000 - $9,999

$10,000 - $19,000

$20,000 - Above

Annual Percentage Rate

.70%

.85%

1.00%

1.15%

1.30%

Annual Percentage Yield

.70%

.85%

1.00%

1.15%

1.31%

*Dividend Period:  Septemberl 30, 2009 - December 31, 2009

 

Other Deposit Account Dividends

Deposit Account:

Drafts/Checking**

Christmas Club*

IRA Accounts*

Annual Percentage Rate

.25%

1.10%

2.25%

Annual Percentage Yield

.25%

1.10%

2.27%

*Dividend Period:  Septemberl 30, 2009 - December 31, 2009
**Dividend Period:  Monthly - Effective 
December 31, 2009

 

*APR = Annual Percentage Rate

 

Mobile Homes APR*

 

60 Mos.

84 Mos.

New Mobile Home (15% Down)

12.00%

12.50%

Used Mobile Home (15% Down)

13.00%

N/A

*APR = Annual Percentage Rate

Secured Loans APR*

100% Share Secured up to 120 Months

4.50%

75% Share Secured up to 48 Months

6.50%

50% Share Secured up to 48 Months

7.50%

Major Purchase Loan (UCC-1 Filing Required)

9.50%

CD Secured Loans (2.5% Over Current CD Rate) Maximum Term up to Maturity Date of CD

Current CD rate +2.5%

*APR = Annual Percentage Rate

Unsecured VISA APR*

R-G Federal Credit Union Visa Card

12.75%

*APR = Annual Percentage Rate

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