Vehicle Loans
Effective as of: 04/01/2022
While we attempt to keep our website current, please note - branch rates will always prevail.
Vehicle Loans, Boats, Motorcycles, RVs
Loan Type |
APR* as low as |
New Autos (2020 and newer) |
2.49% |
Used Autos (2018-2019) |
2.49% |
Used Autos (2017-2015) |
3.49% |
Used Autos (2012-2014) |
4.49% |
Used Autos (2011 and older) |
5.49% |
Motorcycles |
2.49% |
Boats |
2.49% |
RVs (Campers/Motor Homes/Trailers) |
2.49% |
Personal Loans
Effective as of: 04/01/2022
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 |
3.50% |
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 |
6.99% |
680 to 729 (Max 5X GMI subject to credit approval) |
0 to 60 |
7.99% |
640 to 679 (Max 4X GMI subject to credit approval) |
0 to 48 |
9.99% |
600 to 639 (Max 3X GMI subject to credit approval) |
0 to 36 |
12.99% |
500 to 599 (Max 2X GMI subject to credit approval) |
24 |
16.99% |
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 |
Estimated Payments per $1000.00 Borrowed
Product |
APR / Term |
Estimated per $1000 Borrowed |
100% Share / Certificate Secured |
2.50% / 36 Months* |
$28.87 |
New Vehicle loan (as low as) |
2.49% / 36 Months* |
$28.86 |
Personal loan |
6.99% / 36 Months* |
$30.87 |
Home Loans
Effective as of: 04/01/2022
First Mortgage - Purchase (680 and Above Beacon)
Term |
730 and Above Beacon |
680-729 Beacon |
10 Year Fixed - 80% LTV |
3.35% |
3.60% |
15 Year Fixed - 80% LTV |
3.60% |
3.85% |
20 Year Fixed - 80% LTV |
4.10% |
4.35% |
30 Year Fixed - 80% LTV |
4.45% |
4.70% |
First Mortgage - Purchase (600-679 Beacon)
Term |
640-679 Beacon |
600-639 Beacon |
10 Year Fixed - 80% LTV |
3.85% |
4.35% |
15 Year Fixed - 80% LTV |
4.10% |
4.60% |
20 Year Fixed - 80% LTV |
4.60% |
5.10% |
30 Year Fixed - 80% LTV |
4.95% |
5.45% |
Fixed Rate Second Mortgages (680 and Above Beacon)
Term |
730 and Above Beacon |
680-729 Beacon |
5-Yr - 100% LTV |
3.650% |
N/A |
5-Yr - 95% LTV |
N/A |
4.150% |
10-YR - 100% LTV |
3.75% |
N/A |
10-Yr - 95% LTV |
N/A |
4.25% |
15-Yr - 100% LTV |
3.85% |
N/A |
15-Yr - 95% LTV |
N/A |
4.35% |
Fixed Rate Second Mortgages (600-679 Beacon)
Term |
640-679 Beacon |
600-639 Beacon |
5-Yr - 85% LTV |
4.650% |
N/A |
5-Yr - 80% LTV |
N/A |
5.150% |
10-Yr - 85% LTV |
4.75% |
N/A |
10-Yr - 80% LTV |
N/A |
5.25% |
15-Yr - 85% LTV |
4.85% |
N/A |
15-Yr - 80% LTV |
N/A |
5.35% |
Variable Rate Home Equity Line of Credit (HELOC)
Score |
Max LTV |
Current Rate |
730 and Above Beacon |
100% |
3.750% |
680-729 Beacon |
90% |
3.750% |
640-679 Beacon |
80% |
3.750% |
- 10 Yr Draw / 15 Yr Repayment
- Origination Fee: $200
- Adjustment: Quarterly
- Index/Margin: WSJ Prime (as of 3/10/2022) plus .50%