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Rates

 DIVIDEND RATES
(Fourth Quarter, 2011)

LOAN RATES
(December 31st, 2011)

First Mortgages*
Term:

Beacon Score Above 680 APR**

Beacon Score 640-679 APR**

Beacon Score 600 -639 APR**

Origination Fee
10-Year Fixed $25,000-$50,000 5.50% 5.75% 6.00% 1.00%
10-Year Fixed $50,001-$250,000  4.00% 4.25% 4.50% 1.00%

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

5.75%

6.00%

 6.25%

1.00%

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

 4.50%

4.70%

 4.90%

1.00%
15-Year fixed $250,000 - to 10% of unimpaired capitol plus surplus

6.25%

6.50%

 6.75%

1.00%

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

6.00%

6.25%

 6.50%

1.00%

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

5.00%

5.20%

 5.40%

1.00%
30-Year Fixed$250,000 - to 10% of unimpaired capital plus surplus

6.50%

6.75%

 7.00%

1.00%

5-Year Renewable

3.95%

4.15%

 4.35%

1.00%

Modification Agreement

  2.00%      
*Real estate rates and terms effective 01/01/12 until changed
**APR = Annual Percentage Rates

Second Mortgages*
Term:

Beacon Score Above 680 APR**

Beacon Score 640-679 APR**

 Beacon Score 600-630 APR**

Origination

10-Year Fixed Rate

5.00%

5.25%

 5.50% .50%

5-Year Renewable

6.50%

6.75%

 7.00%

.50%

5-Year Fixed Rate up to $15,000

5.50%

5.75%

 6.00%

.50%

7-Year Fixed Rate up to $20,000

6.50%

6.75%

 7.00%

.50%

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

7.00%

7.00%

 7.00%

.50%
*Real estate rates and terms effective 01/01/12 until changed
**APR = Annual Percentage Rates

New Vehicle Loans *APR -" PURCHASES"

Beacon Score/Grade:

24Mos.

36 Mos.

48Mos.

60 Mos.

730+/Platinum 

1.99%

2.24%

2.49%

2.74%

680 - 729/A 

2.09%

2.34%

2.59%

2.84%

   640 - 679/B    

3.09%

3.34%

3.59%

3.84%

   600 - 639/C    

5.09%

5.34%

5.59%

5.84%

  550 - 599/D   

9.09%

9.34%

9.59%

9.84%

500-549/E

13.09%

13.34%

13.59%

13.84%

   499 and Below      

14.59%

14.84%

15.09%

15.34%

No Credit Score

  10.00% 10.25% 10.50%  10.75%
*APR = Annual Percentage Rate Starting At

 Used Vehicles Loans *APR- "PURCHASES "2008-2009
Beacon Score/Grade:

24 Mos.

36 Mos.

48Mos.

60 Mos.

730+/Platinum     

2.49%

2.74%

2.99%

3.24%

680 - 729/A     

2.59%

2.84%

3.09%

3.34%

   640 - 679/B        

3.59%

3.84%

4.09%

4.34%

       600 - 639/ C           

5.59%

5.84%

6.09%

6.34%

     550 - 599/D           

9.59%

9.84%

10.09%

10.34%

549 - 500/E     

13.59%

13.84%

14.09%

14.34%
499 and Below 15.09% 15.34% 15.59% 15.84%
No Credit Score 10.00% 10.25% 10.50% 10.75%
*APR = Annual Percentage Rate Starting At

New Recreational Vehicles  *APR
Beacon Score/Grade:

48 Mos.

60 Mos.

72 Mos.

96 Mos.

730+/Platinum   

5.20%

5.45%

5.50%

6.50%

680 - 729/A    

5.45%

5.70%

5.75%

6.75%

    640 - 679/B        

6.95%

7.20%

7.25%

8.25%

       600 - 639/ C          

8.95%

9.20%

9.25%

10.25%

     550 - 599/D         

12.95%

13.20%

13.25%

N/A

549 - 500/E     

16.70%

16.95%

 N/A

N/A
 499 and Below 18.00% 18.00% N/A N/A
*APR = Annual Percentage Rate Starting At

 Used Recreational Vehicles  *APR
Beacon Score/Grade:

48 Mos.

60 Mos.

72 Mos.

96 Mos.

       730+/Platinum          

6.25%

6.50%

6.75%

7.50%

        680 - 729/A           

6.50%

6.75%

7.00%

7.75%

         640 - 679/B           

8.00%

8.25%

8.50%

9.25%

600 - 639/ C

10.00%

10.25%

10.50%

11.25%

          550 - 599/D           

14.00%

14.25%

14.50%

N/A

         549 - 500/E          

17.75%

18.00%

 N/A

N/A
499 and Below 18.00% 18.00% N/A N/A
*APR = Annual Percentage Rate Starting At

New Motorcycles *APR
Beacon Score/Grade:

24 Mos.

36 Mos.

48 Mos.

60 Mos.

730+/Platinum          

6.20%

6.45%

6.70%

7.70%

680 - 729/A           

6.45%

6.70%

6.95%

7.95%

640 - 679/B           

7.95%

8.20%

8.45%

9.45%

600 - 639/ C           

9.95%

10.20%

10.45%

11.45%

550 - 599/D           

13.95%

14.20%

14.45%

N/A

549 - 500/E         

  16.70%

16.95%

N/A

N/A
499 and Below N/A N/A N/A N/A
*APR = Annual Percentage Rate Starting At

Used Motorcycles *APR
Beacon Score/Grade:

24 Mos.

36 Mos.

48 Mos.

60 Mos.

730+/Platinum          

7.20%

7.45%

7.70%

8.20%

680 - 729/A           

7.45%

7.70%

7.95%

8.45%

640 - 679/B           

8.95%

9.20%

9.45%

9.95%

600 - 639/ C           

10.95%

11.20%

11.45%

11.95%

 550 - 599/D           

14.95%

15.20%

 15.45 N/A

549 - 500/ E          

  17.50%

17.95%

N/A

N/A
499 and Below N/A N/A N/A N/A
*APR = Annual Percentage Rate Starting At

New Boats *APR
Beacon Score/Grade:

24 Mos.

36 Mos.

48 Mos.

60 Mos.

730+/Platinum          

5.710%

5.95%

6.20%

7.20%

680 - 729/A           

5.95%

6.20%

6.45%

7.45%

640 - 679/B           

7.45%

7.70%

7.95%

8.95%

600 - 639/ C           

9.45%

9.70%

9.95%

10.95%

550 - 599/D           

13.45%

13.70%

13.95%

N/A

549 - 500/E          

  16.20%

16.45%

 N/A

N/A
499 and Below N/A N/A N/A N/A
*APR = Annual Percentage Rate Starting At

Used Boats  *APR
Beacon Score/Grade:

24 Mos.

36 Mos.

48 Mos.

60 Mos.

730+/Platinum          

6.70%

6.95%

7.20%

8.20%

680 - 729/A           

6.95%

7.20%

7.45%

8.45%

640 - 679/B           

8.45%

8.70%

8.95%

9.95%

600 - 639/ C           

10.45%

10.70%

10.95%

11.95%

550 - 599/D           

14.45%

14.70%

14.95%

 N/A

549 - 500/E          

  17.20%

17.45%

 N/A

N/A
499 and Below N/A N/A N/A N/A
*APR = Annual Percentage Rate Starting At 

Signature/R-G Matic Loans APR*

730+/Platinum

8.25%

7.50%
680 - 729/A 9.25% 8.25%
 

640 - 679/B   

11.50%

10.50%
 

600 - 639/ C  

13.50%

12.50%
 

 550 - 599/D  

15.00%

N/A

  549 or less/E     

16.50%

N/A
499 and Below 18.00% N/A
*APR = Annual Percentage Rate Starting At

Share (Savings) Account*
Average Daily Balance:

$100 - $1,999

$2,000 - $4,999

$5,000 - $9,999

$10,000 - $19,999

$20,000 - Above

Annual Percentage Rate

.20%

.29%

.38%

.47%

.56%

Annual Percentage Yield

.20%

.29%

.38%

.47%

.56%

Smart Saver (Savings) Account*
Average Daily Balance:

$500 - $1,999

$2,000 - $4,999

$5,000 - $9,999

$10,000 - $19,999

$20,000 - Above

Annual Percentage Rate

.25%

.34%

.43%

.52%

.61%

Annual Percentage Yield

.25%

.34%

.43%

.52%

.61%

*Dividend Period:  October 1, 2011 -December31, 2011

Other Deposit Account Dividends
Deposit Account:

Drafts/Checking**

Christmas Club*

IRA Accounts*

Annual Percentage Rate

.10%

.40%

.60%

Annual Percentage Yield

.10%

.40%

.60%
*Dividend Period:  October 1, 2011- December 31, 2011
**Dividend Period:  Monthly - Effective  December 1st, 2011

 

Secured Loans APR*

100% Share Secured up to 120 Months

4.50%

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%
R-G Federal Credit Union "Platinum" Visa (Rates staring as low as) 8.75%
*APR = Annual Percentage Rate

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