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Rates

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%

*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), and term. 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. 

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

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
New Vehicle loan (as low as) 2.49% / 36 Months* $28.86
Personal loan 6.99% / 36 Months* $30.87

*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.

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%

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

Rates may vary for refinance or cash-out refinance.

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%

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

Rates my vary for refinance or cash-out refinance. 

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%

Amount of $5,000 - $125,000 based on credit worthiness. 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-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%

Amount of $5,000 - $125,000 based on credit worthiness. 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% 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%

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. $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.

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