|
Model Year (all vehicle types)
|
Term Range
|
APR Range
|
|---|---|---|
| 2022 - 2024 |
60 - 96
|
3.99% - 13.99%
|
| 2020 - 2021 |
60 - 84
|
4.49% - 14.74%
|
| 2018 - 2019 |
60 - 72
|
4.99% - 14.99%
|
| 2016 - 2017 |
48 - 66
|
5.24% - 14.74%
|
| 2014 - 2015 |
36 - 60
|
5.49% - 15.49%
|
| 2013 and older |
36 - 48
|
6.49% - 17.99%
|
|
Boat and RV Loans
For well-qualified borrowers. Rate discount not available. |
||
| 2022 and newer (min $30,000) |
60 - 120
|
5.74% - 13.49%
|
| 2021 and older (min $20,000) |
48 - 72
|
5.99% - 13.74%
|
Loan Rates
Vehicle
We will help you buy or refinance new or used autos, motorcycles, boats, and many types of recreational vehicles.
APR is the Annual Percentage Rate. Terms are listed in months. Rate and term will be determined by vehicle age and your credit history. Minimum loan amounts and minimum payments will apply. All rates are subject to change. Loans are subject to credit approval. Please speak with an RVCCU representative for more information.
Hybrid HELOCk
From debt consolidation to home improvements, we can make your equity work for you.
| Product | LTV | Term Range | APR Range |
|---|---|---|---|
| Home Equity Line of Credit Rate after 12 month introductory period |
80% | 180 | 2.89% - 12 month Intro Rate Prime+/-0% - Prime+4% |
| Home Equity Fixed Rate Loan | 80% | 13-60 | 5.25% - 9.25% |
| 80% | 61-120 | 5.75% - 9.75% | |
| 80% | 121-180 | 6.25% |
APR is the Annual Percentage Rate. LTV is Loan to Value. Terms are listed in months. Rate and term will vary based on your credit history. Minimum loan amounts and minimum payments will apply. All rates are subject to change. Loans are subject to credit approval. We are an equal housing lender. Please speak with an RVCCU representative for more information.
Credit Cards
No matter where you are in life, you can use a credit card with great benefits and a low rate.
|
Card Type
|
APR Range |
|---|---|
| VISA® Platinum |
9.99%
|
| VISA® Classic |
13.50% or 16.50%
|
| VISA® Classic Secured |
13.50% or 16.50%
|
APR is the Annual Percentage Rate. The rate offered on VISA® Classic Cards will depend on your credit history. Minimum payments will apply. All rates are subject to change. Loans are subject to credit approval. Please speak with an RVCCU representative for more information.
Personal
Sometimes you need a flexible loan option that can suit any need.
|
Loan Type
|
Term Range | APR Range |
|---|---|---|
| Unsecured / Signature Loan | 24 - 60 | 9.50% - 18.00% |
| Share Secured Loan | 60 | 3.50% |
| Certificate Secured Loan | Certificate Term | 3.50% |
APR is the Annual Percentage Rate. Terms are listed in months. Rate and term will vary based on your credit history. Minimum loan amounts and minimum payments will apply. All rates are subject to change. Loans are subject to credit approval. Please speak with an RVCCU representative for more information.
Rate Discounts
To show that we appreciate our loyal members, we offer the following discounts on most Vehicle and Signature Loans:
Existing active checking account: -0.25%
(open 6 months with at least 6 transactions per month)
Active RVCCU Credit Card with a Balance: -0.25%
Some restrictions may apply to the use of these discounts. Please speak with an RVCCU representative for more information.
Deposit Rates
Savings
Primary or Secondary Share/Savings Accounts
| Tier | Min. Bal. | APR | APY |
|---|---|---|---|
| 1 | $250.00 | 0.20% | 0.20% |
| 2 | $2,000.00 | 0.40% | 0.40% |
| 3 | $5,000.00 | 0.50% | 0.50% |
| 4 | $20,000.00 | 0.60% | 0.60% |
| 5 | $50,000.00 | 0.80% | 0.80% |
Annual Percentage Yield (APY) is effective as of October 1, 2023, and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. No dividend will be paid if the ADB is below $250.00 for the month. Please speak with an RVCCU representative for more information.
Clubs
|
Club Type
|
Min. Bal. | APR | APY |
|---|---|---|---|
| Christmas Cookie Jar | n/a | 0.60% | 0.60% |
| Summer Pay | n/a | 0.60% | 0.60% |
Annual Percentage Yield (APY) is effective as of October 1, 2023, and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. Please speak with an RVCCU representative for more information.
Money Market
| Tier | Min. Bal. | APR | APY |
|---|---|---|---|
| 1 | $2,000.00 | 0.50% | 0.50% |
| 2 | $5,000.00 | 0.60% | 0.60% |
| 3 | $10,000.00 | 0.70% | 0.70% |
| 4 | $25,000.00 | 0.80% | 0.80% |
| 5 | $50,000.00 | 1.00% | 1.00% |
Annual Percentage Yield (APY) is effective as of October 1, 2023, and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. No dividend will be paid if the ADB is below $2,000.00 for the month. Please speak with an RVCCU representative for more information.
IRAs
Traditional and Roth Individual Retirement Accounts
| Min. Bal. | APR | APY |
|---|---|---|
| n/a | 0.60% | 0.60% |
Annual Percentage Yield (APY) is effective as of October 1, 2023, and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. Please speak with an RVCCU representative for more information.
Certificates
| Share Certificate Term | Min. Bal. | APR | APY |
|---|---|---|---|
| 12 months | $2,500.00 | 0.70% | 0.70% |
| $5,000.00 | 0.80% | 0.80% | |
| $10,000.00 | 0.90% | 0.90% | |
| $25,000.00 | 1.00% | 1.00% | |
| $50,000.00 | 1.10% | 1.11% | |
| 24 months | $2,500.00 | 0.80% | 0.80% |
| $5,000.00 | 0.90% | 0.90% | |
| $10,000.00 | 1.00% | 1.00% | |
| $25,000.00 | 1.10% | 1.11% | |
| $50,000.00 | 1.20% | 1.21% | |
| 36 months | $2,500.00 | 1.00% | 1.00% |
| $5,000.00 | 1.10% | 1.11% | |
| $10,000.00 | 1.20% | 1.21% | |
| $25,000.00 | 1.60% | 1.61% | |
| $50,000.00 | 2.50% | 2.53% |
Annual Percentage Yield (APY) is effective as of October 1, 2023, and is based on the average daily balance (ADB) maintained in the account. Dividends are compounded and credited quarterly. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. Please speak with an RVCCU representative for more information.