Loan Rates and Terms

EFFECTIVE July 1, 2022

RELATIONSHIP PRICING DISCOUNTS

FOR EACH ITEM A MEMBER HAS WITH RMCU, DEDUCT FROM INTEREST RATE. YOU MUST SHOW YOUR MATH IN YOUR NOTES. APPLICABLE ON ALL LOAN TYPES EXCEPT HOME EQUITY/HELOC, MORTGAGE, VISA, AND LOANS NOT RISK BASED, (GEAR LOANS, ETC.), AND 1ST TIME AUTO BUYER LOANS. CANNOT BE COMBINED WITH RMCU EMPLOYEE DISCOUNT OR ANY OTHER PROMOTION.

CHECKING ACCOUNT W/ AUTO PAY .25

MUST BE AN EXISTING CHECKING ACCOUNT WITH RMCU THAT HAS ACTIVITY ON IT WITH A DEBIT CARD. AUTO PAY MUST BE SET UP.

LOAN # 5 OR HIGHER .25

NEXT CONSECUTIVE LOAN # ON THE ACCOUNT MUST BE 5 OR HIGHER

***for years older than those listed in used category, use signature loan rates/terms.

***for autos in the CLASSIC NADA, follow the classic auto procedure.


PERSONAL (UNSECURED) LOANS


rates as low as


0-36 Months: 8.49%

37-60 Months: 8.99%

VISA


rates as low as


Max Limit: $15,000

Platinum:9.49% APR

Classic:11.24% APR

IN-HOUSE PRODUCTS


Mortgages


See Real Estate Loan Officer


GEAR/SUMMER FUND LOANS


rates as low as 7.99%


SHARE SECURED


rates as low as 6.00%


CD SECURED


3% OVER CD RATE


OVERDRAFT LINE OF CREDIT


12%


1ST TIME AUTO BUYERS


rates as low as 9.99%

$20k MAXIMUM,2 YEAR JOB HISTORY, $500 DOWN NO DEROGS ON CREDIT

HOME EQUITY LINE OF CREDIT-HELOC ***(CURRENT PRIME 4.75%)


MAX LOAN AMOUNT $200,000



rates as low as


120 Month: 4.75%

180 Month: 4.75%

HOME EQUITY-CLOSED END FIXED RATE


MAX LOAN AMOUNT $200,000



60 MONTH


rates as low as 4.00%


84 Months


rates as low as 4.50%


120 Month


rates as low as 5.00%


180 Month


rates as low as 5.50%

Auto Loans

NEW/NEARLY NEW-2015 or NEWER


rates as low as


1-60 Months: 3.99%

61-84 Months: 4.24%

USED 2003-2014


rates as low as


1-60 Months: 4.49%

61-84 Months: 4.74%

POWERSPORTS- ATV/SNOWMOBILE/JET SKI/MOTORCYCLE

NEW/NEARLY NEW-2017 or NEWER


rates as low as


1-60 Months: 4.99%

61-72 Months: 5.49%

USED-2005-2016


rates as low as


1-60 Months: 5.49%

61-72 Months: 5.99%

RECREATIONAL- BOATS/RV/MOTORHOME/TRAVEL TRAILER/5TH WHEEL/PICKUP CAMPER

NEW/NEARLY NEW-2017 or NEWER


rates as low as


1-84 Months: 4.99%

85-180 Months: 5.49%

USED-2005-2016


rates as low as


1-84 Months: 5.49%

85-180 Months: 5.99%

MISCELLANEOUS- TENT CAMPERS/HORSE TRAILERS/DRIFT BOAT/EQUIPMENT/HOT TUB

NEW/NEARLY NEW-2017 or NEWER


rates as low as


1-48 Months: 7.74%

49-60 Months: 7.99%

USED-2010-2016


rates as low as


1-48 Months: 7.99%

49-60 Months: 8.24%