Richfield Bloomington Credit Union
Richfield Bloomington Credit Union
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Loan Rates
Loan rates effective as of January 1, 2009 and subject to change.
Vehicle Loans
Model Year Term of Loan Annual Percentage Rate
Regular   With
AutoPay(1)		 With AutoPay(1)
& Checking
2004-2009 Up to 36 5.75%   5.25% 5.00%
2004-2009 37 to 48 5.75%   5.25% 5.00%
2004-2009 49 to 60 5.75%   5.25% 5.00%
2004-2009 61 to 72 6.25%   5.75% 5.50%
2003 and older Up to 36 7.25%   6.75% 6.50%
Recreational Vehicle Loans (Motorcycles, Boats, Snowmobiles, and RVs)
Model Year Term of Loan Annual Percentage Rate
Regular   With
AutoPay(1)		 With AutoPay(1)
and Checking
2004-2009 Up to 36 6.75%   6.25% 6.00%
2004-2009 37 to 48 7.25%   6.75% 6.50%
2004-2009 49 to 60 7.25%   6.75% 6.50%
2003 and older Up to 36 8.50%   8.00% 7.75%

At NADA loan value or less. Regular lending qualifications apply. Please contact an RBCU loan representative for your specific needs and for variances from the above terms.
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Personal Loans
Loan Type Annual Percentage Rate
Regular With AutoPay(1)
Personal Loan 12.00% 11.50%
Share Secured Loan 3.50% 3.50%
Certificate Secured Loan 2.5% Above Rate on Certificate
Used as Collateral
SafetyLine (Overdraft Protection) 15.00%
RBCU Platinum Visa Card 9.90%
RBCU Classic Visa Card 12.99% 12.49%
Mortgage Loans
1st Mortgages Rate
30-year fixed Call for current rates and options
15-year fixed Call for current rates and options

5-year balloon,

15-year amortization

 6.000%

5-year balloon,

30-year amortization

 6.375%

3-year balloon,

15-year amortization

 5.875%

3-year balloon,

30-year amortization

 6.000%
Fixed-Rate Home Equity Loans Rate

Up to 80% CLTV, 5-year balloon,

15-year amortization

6.990%

Up to 90% CLTV, 5-year balloon,

15-year amortization

8.250%

Up to 95% CLTV, 5-year balloon,

15-year amortization

8.675%

Up to 80% CLTV, 5-year balloon,

20-year amortization

7.250%

Up to 90% CLTV, 5-year balloon,

20-year amortization

8.500%

Up to 95% CLTV, 5-year balloon,

20-year amortization

8.875%
Home Equity Lines of Credit Rate

Up to 80% CLTV

 5.000%*   

Up to 100% CLTV
6.000%*    
 

CLTV is Combined Loan to Value. Other terms and rates may be available. All rates are subject to change at any time. Some restrictions may apply. Closing costs may apply.

Call the Real Estate Loan Department at 612.798.7100 for full details.

* Home Equity Line of Credit (HELOC) Loans are variable rate loans adjusted semi-annually on January 1 and July 1.                                                 

Small Business Owners
RBCU offers Business Loans tailored to meet your specific needs! Loans are available for Equipment, Vehicles, Building Acquisitions, or Working Capital.
Please contact RBCU's Call Center at (612)798-7100 or Toll Free at (800)967-7228 for more information
Notes: (1) AutoPay takes your payment from an RBCU account or from your payroll at qualifying employers.
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Current Rates
Savings Rates
Fee Schedule

Business Services Fees

 
 

Want to know how much your monthly payment will be?

Take a look at our calculators!
 

 
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