Vehicle Loans

Effective as of: 2/1/2025
While we attempt to keep our website current, please note - branch rates will always prevail.Additional relationship discounts may be available.

Vehicle Loans, Boats, Motorcycles, RVs

Loan Type	APR* as low as
New Autos (2023 and newer)	4.99%
Used Autos	5.49%
Motorcycles	4.99%
Boats	4.99%
RVs (Campers/Motor Homes/Trailers)	4.99%

*Annual percentage rate (APR) listed above may be different than the APR you qualify for. APR may vary depending on your credit, vehicle age, loan to value (LTV), term, and other factors. Speak to a loan officer for details on how your rate is determined.

Auto terms between 86 and 108 months minimum loan amount $20,000.

RV terms over 108 months minimum loan amount $40,000. RV terms over 120 months minimum $40,000 and new RVs only.

The Credit Union reserves the right not to lend on certain collateral based upon collateral age, mileage, history, or condition and may require a visual inspection of the collateral. 

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Personal Loans

Effective as of: 2/1/2025
While we attempt to keep our website current, please note - branch rates will always prevail.

Secured Loans

Loan Type	APR
100% Share/Term Share Secured Up To 60 Months	5.00%
100% Share/Term Share Secured 61-120 Months	6.00%

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

Term (Months)	APR* as low as
1 to 60	9.99%

Estimated Payments per $1000.00 Borrowed

Product	APR / Term	Estimated per $1000 Borrowed
100% Share / Term Share Secured	5.00% / 36 Months*	$30.09
New Vehicle loan (as low as)	4.99% / 36 Months*	$30.43
Personal loan	9.99% / 36 Months*	$32.27

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

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Home Loans

Effective as of: 2/1/2025
While we attempt to keep our website current, please note - branch rates will always prevail.

First Mortgage - Purchase

Term	APR* as low as
10 Year Fixed - 80% LTV	6.00%
15 Year Fixed - 80% LTV	6.25%
20 Year Fixed - 80% LTV	6.50%
30 Year Fixed - 80% LTV	6.75%

Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.

Rates may vary for refinance or cash-out refinance.

VA Mortgage - Purchase

Term	APR* as low as
10 Year Fixed - 80% LTV	5.75%
15 Year Fixed - 80% LTV	​6.00%
20 Year Fixed - 80% LTV	​6.25%
30 Year Fixed - 80% LTV	​6.50%

Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.

Rates listed are for a purchase. Rates my vary for refinance or cash-out refinance. 

Fixed Rate Second Mortgages

Term	APR* as low as
5-Yr - 100% LTV	7.90%
10-YR - 100% LTV	​8.00%
15-Yr - 100% LTV	​8.10%

Term, Max LTV, APR, and Amount of $5,000 - $125,000 based on credit worthiness. 1% Origination Fee charged on all 2nd Mortgages. Other fees may apply.

Variable Rate Home Equity Line of Credit (HELOC)

Term	APR* as low as
10 Yr Draw / 15 Yr Repayment	8.00%

• Origination Fee: $200
• Adjustment: Quarterly
• Index/Margin: WSJ Prime (as of 12/31/2024) 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. $200 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.