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Rates

Vehicle Loans

Effective as of: 02/01/2020
While we attempt to keep our website current, please note - branch rates will always prevail.

Vehicle Loans, Boats, Motorcycles, RVs
Loan Type Max Term* APR* as low as
New Autos (2019 and newer) 108 Months 2.79%
Used Autos (2017-2018) 84 Months 2.79%
Used Autos (2014-2016) 72 Months 3.79%
Used Autos (2011-2013) 48 Months 4.79%
Used Autos (2010 and older) 36 Months 5.79%
Motorcycles 108 Months 2.79%
Boats 108 Months 2.79%
RVs (Campers/Motor Homes/Trailers) 180 Months 2.79%

Loan to Value (LTV) based on NADA Retail Value or MSRP for New Vehicles. Base Rate = 92-102% LTV. Rates listed subject to change based on LTV above or below Base Rate. *Your term and annual percentage rate may vary from the rates above depending on your credit worthiness, vehicle age, LTV, and amount financed. Speak to a loan officer for details on how your rate is determined.

86 to 108 month minimum loan amount $20,000 | RV terms over 108 months minimum loan amount $40,000 | RV terms over 120 months New collateral only.

Note: Federal Credit Unions max vehicle rate = 18% APR

Vehicles with over 125,000 miles must have a visual inspection

Additional member relationship and LTV discounts may apply down to our established floor rate.

Estimated Payments per $1000.00 Borrowed
Product APR/Term Estimated per $1000 Borrowed
New Vehicle loan *as low as 2.79% / 36 Months $29.00
100% Share / Certificate Secured 2.50% / 36 Months $28.87

*APR for loan terms not exceeding 36 months. Other rates and terms available. Final rate and term will be based on credit worthiness and collateral. Estimated monthly payments on 36-month loan at __% APR = $__.__ per $1000 borrowed.

Personal Loans

Effective as of: 02/01/2020
While we attempt to keep our website current, please note - branch rates will always prevail.

Secured Loans
Loan Type APR
100% Share/Certificate Secured Up To 60 Months

2.50%
100% Share/Certificate Secured 61-120 Months 3.00%
VISA Credit Cards
Card Type APR
R-G Federal Credit Union Classic Visa Card 12.75%
R-G Federal Credit Union Platinum Visa (Rates starting as low as) 8.75%
Signature Loans
Beacon Score Term (Months) APR
Above 730 (Max 6X GMI subject to credit approval) 0 to 60 9.99%
680 to 729 (Max 5X GMI subject to credit approval) 0 to 60 10.99%
640 to 679 (Max 4X GMI subject to credit approval) 0 to 48 12.99%
600 to 639 (Max 3X GMI subject to credit approval) 0 to 36 15.99%
500 to 599 (Max 2X GMI subject to credit approval) 24 17.99%
No Score (Max $500 individual / $1000 joint subject to credit approval) 12 17.99%
499 and Below (with score) Does not qualify for signature loan

Limits listed above are maximum cumulative totals for all unsecured lines with RGFCU. GMI = Gross Monthly Income.

Estimated Payments per $1000.00 Borrowed
Product APR / Term Estimated per $1000 Borrowed
100% Share / Certificate Secured 2.50% / 36 Months $28.87

*APR for loan terms not exceeding 36 months. Other rates and terms available. Final rate and term will be based on credit worthiness and collateral. Estimated monthly payments on 36-month loan at __% APR = $__.__ per $1000 borrowed.

Home Loans

Effective as of: 01/01/2020

First Mortgages (680 and Above Beacon)
Term 730 and Above Beacon 680-729 Beacon
10 Year Fixed - 80% LTV 3.125% 3.375%
10 Year Fixed VA 100% LTV 2.875% 3.125%
15 Year Fixed - 80% LTV 3.125% 3.375%
15 Year Fixed VA 100% LTV 2.875% 3.125%
20 Year Fixed - 80% LTV 3.625% 3.875%
20 Year Fixed VA 100% LTV 3.375% 3.625%
30 Year Fixed - 80% LTV 3.750% 4.000%
30 Year Fixed VA 100% LTV 3.500% 3.750%

Amount up to $500,000. Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.

First Mortgages (600-679 Beacon)
Term 640-679 Beacon 600-639 Beacon
10 Year Fixed - 80% LTV 3.625% 4.125%
10 Year Fixed VA 100% LTV 3.375% 3.875%
15 Year Fixed - 80% LTV 3.625% 4.125%
15 Year Fixed VA 100% LTV 3.375% 3.875%
20 Year Fixed - 80% LTV 4.125% 4.625%
20 Year Fixed VA 100% LTV 3.875% 4.375%
30 Year Fixed - 80% LTV 4.250% 4.750%
30 Year Fixed VA 100% LTV 4.000% 4.500%

Amount up to $500,000. Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.

Fixed Rate Second Mortgages (680 and Above Beacon)
Term 730 and Above Beacon 680-729 Beacon
5-10 Yr - 100% LTV 5.250% N/A
5-10 Yr - 95% LTV N/A 5.750%

Amount of $5,000 - $50,000. Actual APR May Vary. 1% Origination Fee charged on all 2nd Mortgages

Fixed Rate Second Mortgages (600-679 Beacon)
Term 640-679 Beacon 600-639 Beacon
5-10 Yr - 90% LTV 6.250% N/A
5-10 Yr - 80% LTV N/A 6.750%

Amount of $5,000 - $50,000. Actual APR May Vary. 1% Origination Fee charged on all 2nd Mortgages

Variable Rate Home Equity Line of Credit (HELOC)
Score Max LTV Current Rate
730 and Above Beacon 100% 5.250%
680-729 Beacon 90% 5.250%
640-679 Beacon 80% 5.250%
  • 10 Yr Draw / 15 Yr Repayment
  • Origination Fee: $100
  • Adjustment: Quarterly
  • Index/Margin: WSJ Prime plus .50%

APR = Annual Percentage Rate. Subject to approval. Variable APR adjusted quarterly based on WSJ Prime Rate (Index) - a margin for the life of the loan. Minimum floor rate of 2.99% APR, maximum 18.00% APR. Max LTV based on credit tier. Raters/terms vary based on LTV, amount, term, lien position, and credit qualifications. Offer not available for refinance of existing R-G home equity loans. $100 origination fee assessed. Other fees may apply. HELOC has a 10-year draw period and 15-year repayment period. Min line $10K, Max $150K based on property value. Minimum initial advance is $1000. Property insurance required. Flood insurance may be required.

Real & Genuine