Loan rates effective as of January 15, 2010 and subject to change.
|
| Vehicle Loans |
| Model Year |
Term of Loan |
Annual Percentage Rate |
| Regular |
With
AutoPay(1) |
With AutoPay(1)
& RBCU Checking |
| 2005-2010 |
Up to 36 |
6.00% |
5.50% |
5.25% |
| 2005-2010 |
37 to 48 |
6.00% |
5.50% |
5.25% |
| 2005-2010 |
49 to 60 |
6.00% |
5.50% |
5.25% |
| 2005-2010 |
61 to 72 |
6.50% |
6.00% |
5.75% |
| 2004 and older |
Up to 36 |
7.50% |
7.00% |
6.75% |
| Recreational Vehicle Loans (Motorcycles, Boats, Snowmobiles, and RVs) |
| Model Year |
Term of Loan |
Annual Percentage Rate |
| Regular |
With
AutoPay(1) |
With AutoPay(1)
& RBCU Checking |
| 2005-2010 |
Up to 36 |
6.75% |
6.25% |
6.00% |
| 2005-2010 |
37 to 48 |
7.25% |
6.75% |
6.50% |
| 2005-2010 |
49 to 60 |
7.25% |
6.75% |
6.50% |
| 2004 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% |
| Mortgage Loans |
| 1st Mortgages |
Rate |
|
APR* |
30-year fixed
(FHA, VA, & Conventional) |
Call for current rates and options |
15-year fixed
(FHA, VA, & Conventional) |
Call for current rates and options |
5-year balloon,
15-year amortization |
4.875% |
|
4.921% |
5-year balloon,
30-year amortization |
5.500% |
|
5.543% |
3-year balloon,
15-year amortization |
4.750% |
|
4.819% |
3-year balloon,
30-year amortization |
5.250% |
|
5.316% |
| Fixed-Rate Home Equity Loans |
Rate |
|
APR** |
Up to 80% CLTV, 5-year balloon,
15-year amortization |
6.990% |
|
7.080% |
Up to 90% CLTV, 5-year balloon,
15-year amortization |
8.250% |
|
8.341% |
Up to 80% CLTV, 5-year balloon,
20-year amortization |
7.250% |
|
7.336% |
Up to 90% CLTV, 5-year balloon,
20-year amortization |
8.500% |
|
8.588% |
| Home Equity Lines of Credit |
Rate |
|
APR*** |
Up to 80% CLTV |
5.000% |
|
5.000% |
Up to 95% CLTV |
6.000% |
|
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.
* APR assumes puchase transaction, $150,000 loan amount, 20% down payment, 1 day of prepaid interest.
** APR assumes $50,000 loan amount, 1 day of prepaid interest.
*** 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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Equal
Housing Lender.