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Current Rates

We strive to bring our members the best values in the region.

Loan Rates

We will help you buy or refinance new or used autos, motorcycles, boats, and many types of recreational vehicles. Learn how you can get a great payment. 

Model Year (all vehicle types)
Term Range
APR Range
2016 - 2017
84
4.94% - 5.99%
2015 - 2017
48 - 72
2.74% - 12.99%
2013 - 2014
60 - 72
3.44% - 13.74%
2011 - 2012
48 - 66
3.74% - 13.99%
2009 - 2010
36 - 60
3.94% - 14.24%
2007 - 2008
24 - 48
4.24% - 14.49%
2006 and older
36
1.01% off of qualifying personal loan rate
Boat and RV Loans
For well-qualified borrowers.
Rate discount not available.
2007 and newer (min $30,000)
24 - 120
2.25% - 6.25%
2006 and older (min $20,000)
24 - 72
4.24% - 8.25%

APR is 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 a RVCCU representative for more information.
View our full Loan Rate sheet. (PDF)

From debt consolidation to home improvements, we can make your equity work for you. 
  LTV Term Range APR Range
Home Equity Line of Credit 1.89% 12 month Intro Rate
Rate after 12 month 80%
180
Prime+/-0% - Prime+4%
introductory period 85%
180
Prime+1% - Prime+4%
Home Equity Fixed Rate Loan
  80%
13 - 60
3.99% - 11.25%
  85%
13 - 60
4.99% - 11.25%
80%
61 - 120
4.49% - 11.50%
  85%
61 - 120
5.49% - 11.50%

APR is 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 a RVCCU representative for more information.
View our full Loan Rate sheet (PDF) or our SAFE Act Dislcosure.

  APR Range  
Visa Platinum
9.99%
 
Visa Classic
13.50% or 16.50%
 
Visa Classic Secured
13.50% or 16.50%
 

APR is Annual Percentage Rate. 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 a RVCCU representative for more information.
View our full Loan Rate sheet. (PDF)

Sometimes you need a flexible loan options that can suit any need.
Learn more about our secured and unsecured loans. 
  Term Range APR Range
Unsecured / Signature Loan 24 - 60 8.00% - 18.00%
Share Secured Loan 60 3.50%
Certificate Secured Loan Certificate Term 3.50%

APR is 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 a RVCCU representative for more information.
View our full Loan Rate sheet. (PDF)

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)
  • Existing direct deposit of entire paycheck: -0.25%
  • Active RVCCU Credit Card with a Balance: -0.25%

Some restrictions may apply on the use of these discounts.
Please speak with a RVCCU representative for more information.

 

Deposit Rates

Primary or Secondary Share/Savings Accounts
Tier Min. Bal. APR APY
1 $250 0.05% 0.05%
2 $2,000 0.10% 0.10%
3 $5,000 0.10% 0.10%
4 $20,000 0.10% 0.10%
5 $50,000 0.10% 0.10%

Annual Percentage Yield (APY) is effective as of April 1, 2014 and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balace to earn APY. Rates are subject to change. No dividend will be paid if the ADB is below $250 for the month.
Please speak with a RVCCU representative for more information.
View our full Truth-in-Savings Disclosure. (PDF)

Club Type Min. Bal. APR APY
Christmas
Cookie Jar
Car Club
n/a 0.10% 0.10%
Summer Pay n/a 0.15% 0.15%
Safari Club n/a 0.10% 0.10%

Annual Percentage Yield (APY) is effective as of April 1, 2014 and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balace to earn APY. Rates are subject to change.
The minimum balance required to open a Safari Club Account is $20.00.
Please speak with a RVCCU representative for more information.
View our full Truth-in-Savings Disclosure. (PDF)

Money Market Accounts
Tier Min. Bal. APR APY
1 $2,000 0.15% 0.15%
2 $5,000 0.15% 0.15%
3 $10,000 0.15% 0.15%
4 $25,000 0.20% 0.20%
5 $50,000 0.20% 0.20%

Annual Percentage Yield (APY) is effective as of April 1, 2014 and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balace to earn APY. Rates are subject to change. No dividend will be paid if the ADB is below $2,000 for the month.
Please speak with a RVCCU representative for more information.
View our full Truth-in-Savings Disclosure. (PDF)

Traditional and Roth Individual Retirement Accounts
Coverdell Education Savings Accounts
    Min. Bal. APR APY
    n/a 0.15% 0.15%

Annual Percentage Yield (APY) is effective as of April 1, 2014 and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balace to earn APY. Rates are subject to change.
Please speak with a RVCCU representative for more information.
View our full Truth-in-Savings Disclosure. (PDF)

Share Certificate Term Min. Bal. APR APY
12 months
  $1,000 0.15% 0.15%
  $5,000 0.20% 0.20%
  $10,000 0.25% 0.25%
  $20,000 0.25% 0.25%
  $50,000 0.30% 0.30%
24 months
  $1,000 0.20% 0.20%
  $5,000 0.25% 0.25%
  $10,000 0.45% 0.45%
  $20,000 0.50% 0.50%
  $50,000 0.55% 0.55%
36 months
  $1,000 0.30% 0.30%
  $5,000 0.35% 0.35%
  $10,000 0.65% 0.65%
  $20,000 0.70% 0.70%
  $50,000 0.75% 0.75%
48 months
  $1,000 n/a  
  $5,000 0.65% 0.65%
  $10,000 0.85% 0.85%
  $20,000 0.90% 0.90%
  $50,000 0.95% 0.95%

Annual Percentage Yield (APY) is effective as of April 1, 2013 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 balace to earn APY. Rates are subject to change.
Please speak with a RVCCU representative for more information.
View our full Truth-in-Savings Disclosure. (PDF)