Loan Rates

Vehicle

We will help you buy or refinance new or used autos, motorcycles, boats, and many types of recreational vehicles.

Model Year (all vehicle types)
Term Range
APR Range
2018 - 2019
48 - 84
3.00% - 14.00%
2016 - 2017
48 - 72
3.75% - 14.25%
2014 - 2015
48 - 66
4.25% - 14.75%
2012 - 2013
36 - 60
4.50% - 15.00%
2010 - 2011
24 - 48
4.75% - 15.25%
2008 and older
36 - 48
8.00% - 18.00%
Boat and RV Loans
For well-qualified borrowers.
Rate discount not available.
2009 and newer (min $30,000)
24 - 120
3.00% - 7.25%
2008 and older (min $20,000)
24 - 72
4.75% - 9.00%

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.


EasyEquity

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 1.89% 12 month Intro Rate
Prime+/-0% - Prime+4%
Home Equity Fixed Rate Loan 80% 13-60 3.99% - 11.25%
80% 61-120 5.25% - 11.75%

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.


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 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.


Personal

Sometimes you need a flexible loan option that can suit any need.

Loan Type
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.


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

Deposit Rates

Savings

Primary or Secondary Share/Savings Accounts

Tier Min. Bal. APR APY
1 $250.00 0.10% 0.10%
2 $2,000.00 0.15% 0.15%
3 $5,000.00 0.20% 0.20%
4 $20,000.00 0.25% 0.25%
5 $50,000.00 0.30% 0.30%

Annual Percentage Yield (APY) is effective as of January 1, 2019 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 a RVCCU representative for more information.

Download our Truth-in-Savings Disclosure


Clubs

Club Type
Min. Bal. APR APY
Christmas Cookie Jar n/a 0.20% 0.20%
Summer Pay n/a 0.30% 0.30%

Annual Percentage Yield (APY) is effective as of January 1, 2019 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 a RVCCU representative for more information.

Download our Truth-in-Savings Disclosure


Money Market

Tier Min. Bal. APR APY
1 $2,000.00 0.20% 0.20%
2 $5,000.00 0.25% 0.25%
3 $10,000.00 0.25% 0.25%
4 $25,000.00 0.30% 0.30%
5 $50,000.00 0.35% 0.35%

Annual Percentage Yield (APY) is effective as of January 1, 2019 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 a RVCCU representative for more information.

Download our Truth-in-Savings Disclosure


IRAs

Traditional and Roth Individual Retirement Accounts

Min. Bal. APR APY
n/a 0.25% 0.25%

Annual Percentage Yield (APY) is effective as of January 1, 2019 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 a RVCCU representative for more information.

Download our Truth-in-Savings Disclosure


Certificates

Share Certificate Term Min. Bal. APR APY
12 months $2,500.00 0.25% 0.25%
$5,000.00 0.30% 0.30%
$10,000.00 0.30% 0.30%
$20,000.00 0.35% 0.35%
$50,000.00 0.40% 0.40%
24 months $2,500.00 0.30% 0.30%
$5,000.00 0.35% 0.35%
$10,000.00 0.35% 0.35%
$25,000.00 0.50% 0.50%
$50,000.00 0.55% 0.55%
36 months $2,500.00 0.35% 0.35%
$5,000.00 0.40% 0.40%
$10,000.00 0.40% 0.40%
$25,000.00 0.75% 0.75%
$50,000.00 1.73% 1.75%

Annual Percentage Yield (APY) is effective as of January 1, 2019 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 a RVCCU representative for more information.

Download our Truth-in-Savings Disclosure