Great Rates that Fit Your Savings Strategy
Find the Rate that Works for You.
Savings Accounts—Effective
|
Type |
Minimum Balance |
Dividend Rates |
APY |
|---|---|---|---|
|
Regular Share Account |
$5 |
% |
% |
|
"You Name It" Savings Account |
$500 |
% |
% |
|
Christmas Club Share Account |
No Minimum Balance |
% |
% |
|
Money Market Share Account |
$2,000 to $4,999.99 |
% |
% |
|
|
$5,000 to $49,999.99 |
% |
% |
|
|
$50,000 to $99,999.99 |
% |
% |
|
|
$100,000 $249,999.99 |
% |
% |
|
|
$250,000 to $499,999.99 |
% |
% |
|
|
$500,000 to $999,999.99 |
% |
% |
|
|
$1,000,000 and above |
% |
% |
|
Brighter Day Savings Account |
$0 to $2,500 |
% |
% |
|
|
$2,500.01 and above |
% |
% |
- A $5 minimum deposit is required to open a Regular Savings Account and must be maintained in this account at all times.
- A $1 minimum deposit is required to open “You Name It” Savings; Christmas Club Share; Money Market Share; and Brighter Day Savings Accounts.
- Only one Brighter Day Savings Account is allowed per member. The stated dividend rate and APY will only be paid on the portion of your daily balance that falls within the applicable Brighter Day Savings Account tier.
Savings Accounts: Certificates—Effective -
|
Term |
Dividend Rate Compounding |
APY Compounding |
Dividend Rate Non-Compounding |
APY Non-Compounding |
|---|---|---|---|---|
Member's Choice Share Certificate |
||||
|
36 Months Fixed |
% |
% |
% |
% |
|
48 Months Fixed |
% |
% |
% |
% |
|
60 Months Fixed |
% |
% |
% |
% |
|
72 Months Fixed |
% |
% |
% |
% |
|
84 Months Fixed |
% |
% |
% |
% |
|
96 Months Fixed |
% |
% |
% |
% |
|
108 Months Fixed |
% |
% |
% |
% |
|
120 Months Fixed |
% |
% |
% |
% |
|
144 Months Fixed |
% |
% |
% |
% |
Share Certificate |
||||
|
6 Months Fixed |
% |
% |
% |
% |
|
12 Months Fixed |
% |
% |
% |
% |
|
18 Months Fixed |
% |
% |
% |
% |
|
24 Months Fixed |
% |
% |
% |
% |
|
36 Months Fixed |
% |
% |
% |
% |
|
48 Months Fixed |
% |
% |
% |
% |
|
60 Months Fixed |
% |
% |
% |
% |
|
72 Months Fixed |
% |
% |
% |
% |
|
84 Months Fixed |
% |
% |
% |
% |
|
96 Months Fixed |
% |
% |
% |
% |
|
108 Months Fixed |
% |
% |
% |
% |
|
120 Months Fixed |
% |
% |
% |
% |
|
144 Months Fixed |
% |
% |
% |
% |
Jumbo Certificate |
||||
|
6 Months Fixed |
% |
% |
% |
% |
|
12 Months Fixed |
% |
% |
% |
% |
|
18 Months Fixed |
% |
% |
% |
% |
|
24 Months Fixed |
% |
% |
% |
% |
|
36 Months Fixed |
% |
% |
% |
% |
|
48 Months Fixed |
% |
% |
% |
% |
|
60 Months Fixed |
% |
% |
% |
% |
|
72 Months Fixed |
% |
% |
% |
% |
|
84 Months Fixed |
% |
% |
% |
% |
|
96 Months Fixed |
% |
% |
% |
% |
|
108 Months Fixed |
% |
% |
% |
% |
|
120 Months Fixed |
% |
% |
% |
% |
|
144 Months Fixed |
% |
% |
% |
% |
Special Offers |
||||
|
6 Months (Starter) Fixed |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
|
12 Months (No-Penalty) Fixed |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
- The minimum balance required to open a Share Certificate or Member’s Choice Share Certificate is $1,000.
- The minimum balance required to open the Jumbo Certificate is $100,000. Member's Choice Share Certificates are not available as Jumbo Certificates.
- For non-compounding Jumbo Share Certificates, dividends are, at the member's option, either transferred to a designated share account or issued to the member in the form of a monthly check. Payout is mandatory.
- Only one active 6-month Starter Certificate is allowed per member.
- Only one 12-month No-Penalty Certificate allowed per member during a 12-month period from the date of closure.
- A penalty may be imposed for early withdrawal of certificate principal prior to the maturity date.
Savings Accounts: IRAs—Effective -
|
Term |
Dividend Rate |
APY |
Minimum Balance |
|---|---|---|---|
Traditional IRAs and Roth IRA Certificates |
|||
|
12 Months Fixed |
% |
% |
$ |
|
18 Months Fixed |
% |
% |
$ |
|
24 Months Fixed |
% |
% |
$ |
|
36 Months Fixed |
% |
% |
$ |
|
48 Months Fixed |
% |
% |
$ |
|
60 Months Fixed |
% |
% |
$ |
|
72 Months Fixed |
% |
% |
$ |
|
84 Months Fixed |
% |
% |
$ |
|
96 Months Fixed |
% |
% |
$ |
|
108 Months Fixed |
% |
% |
$ |
|
120 Months Fixed |
% |
% |
$ |
|
144 Months Fixed |
% |
% |
$ |
Traditional and Roth Savings IRA |
|||
|
N/A |
% |
% |
$ |
- The minimum balance required to open a 12- or 18-month Traditional IRA or Roth IRA Certificate, or Traditional or Roth Savings IRA is $5.
- The minimum balance required to open a Traditional IRA or Roth IRA Certificate of any other term is $500.
- A penalty may be imposed for early withdrawal of an IRA certificate principal prior to the maturity date.
- Early withdrawals may result in tax penalties and/or account fees. RFCU does not offer tax advice. See your tax advisor for your specific questions.
- Refer to the IRA Truth in Savings Disclosure Supplement: Traditional and Roth IRAs for further terms and conditions.
Credit Cards—Effective
|
Type |
APR for Purchases |
APR for Balance Transfer |
APR for Cash Advance |
|---|---|---|---|
|
Visa Signature® as low as |
% |
% |
% |
|
Secured Visa as low as |
% |
% |
% |
|
Visa Traditional (variable) as low as |
% |
% |
% |
|
Visa Traditional (fixed) |
% |
% |
% |
View RFCU Credit Card Agreement.
- Visa Signature, Secured Visa, Visa Traditional are variable rate credit cards and APRs will vary with the U.S. Prime Rate.
- Secured Visa requires a deposit into a designated Visa Secured Share Account equal to the credit limit on the Visa Credit Card. Co-borrowers are not permitted. Up to three authorized users may be named.
- Visa is a registered trademark of Visa International Services Association.
Auto Loans—Effective [rfcu-var]
|
Type |
1-60 Month |
61-72 Month |
73-84 Month |
85-96 Month |
|---|---|---|---|---|
|
New Vehicle 2024-2027a |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
|
Used Vehicle 2020-2027b |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
N/A |
|
Used Vehicle 2016-2019 |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var] |
|
Used Vehicle 2015 or older |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var]% |
[rfcu-var] |
Vehicle value may limit the maximum amount RFCU will lend. Length of contract plus age of vehicle must not exceed 10 years on EV (Electric Vehicles). Minimum loan amounts may apply to 84-month and 96-month terms.
aNew Vehicles: 2024 and newer model years with less than 10,000 miles.
bUsed Vehicles: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years.
N/A = Not Applicable
Payment example: [rfcu-var].
Motorcycle Loans—Effective
New/Used Motorcycle 4-60 months
|
Type |
Fixed APR As Low As |
Maximum Amount Financed |
|---|---|---|
|
New/Used Motorcycle 4-60 months |
% |
Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used |
|
New/Used Motorcycle 61-72 months |
% |
Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used |
Payment example: [rfcu-var]
Recreational Vehicle Loans—Effective
|
Type |
Fixed APR As Low As |
Maximum Amount Financed |
|---|---|---|
|
New/Used Boat, Motor, & Trailer |
% |
Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used |
|
New/Used RV |
% |
Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used |
|
ATVs & Jet Skis with Trailers |
% |
Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used |
- Recreational vehicles must be used for recreational purposes only.
Personal Loans—Effective
|
Type |
Fixed APR As Low As... |
Variable APR As Low As... |
Min/Max Amount Financed |
|---|---|---|---|
|
Personal Unsecured Signature - 60 months |
% |
N/A |
Max $50,000 |
|
Personal Unsecured Signature - 72 months |
% |
N/A |
Max $50,000 |
|
Personal Line of Credit/Overdraft |
N/A |
% |
Max $5,000 |
|
Personal Stretch* |
% |
N/A |
Min $500 up to Max $1,600 |
|
Share Secured |
N/A |
% |
Up to 100% of primary savings account balance |
|
Home Equity Line of Credit - Classic |
N/A |
% |
Min $10,000 |
|
Credit Builder |
[rfcu-var]% |
N/A |
Min $500 up to Max $1,500 |
- *Stretch Loan: May only have one Stretch Loan at a time and not more than three Stretch loans in any rolling six-month period. No co-borrowers are permitted. Requires verification of residential address and verification of income, if not a direct deposit to RFCU. Minimum of one-year membership required, must not have caused RFCU a loss, and all accounts have to be in good standing (e.g., not in the negative, including joint accounts and no delinquent loans). Requires established direct deposit equal to, or greater than the contracted payment amount. Stretch Loan non-refundable application fee of $30 applies and must be collected at application, and may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution. Other restrictions apply.
- Home Equity Line of Credit (HELOC): The maximum APR is 18% or the maximum allowed by law, whichever is less. $10,000 to $250,000 equity lines. Total HELOC aggregate cannot exceed $750,000. Finance up to 95% of total Loan-To-Value of the equity in your primary residence or 80% of the total Loan-to-Value for a vacation/second home or investment property. RFCU pays closing costs. Property insurance is required. HELOCs are only available for properties located in Alabama and Tennessee.
- Share and Certificate funds used to secure loans may not be available for use.
- Credit Builder Loans have minimum loan amounts. Loan proceeds will be funded into the borrower's primary savings account and be held until the loan is paid in full.
- N/A = Not Applicable
Personal Loans: [rfcu-var]
|
|
Mortgages, Home Equity Loans, and HELOCs are only available for properties located in Alabama and Tennessee. Limited mortgage products are also available in Georgia. Contact our Mortgage Team for additional product information. Various types of mortgage loan programs and terms are available. Must create separate username and password to access the mortgage application. Other restrictions may apply.
Business Accounts—Effective
|
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|
Endeavor Savings Account |
||
|
$ |
% |
% |
Endeavor Plus Checking |
||
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
Endeavor Money Market |
||
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
- A $250 minimum deposit is required to open Endeavor Savings or Endeavor Money Market account.
- A $100 minimum deposit is required to open Endeavor Checking or Endeavor Plus Checking account.
- A $5 monthly fee will be assessed if a $250 balance is not maintained in the Endeavor Savings account.
- A $10.00 monthly fee will be assessed if a $2,000.00 balance is not maintained in the Endeavor Plus Checking account or the Endeavor Money Market account.
- See Business Account Rates and Fee Schedule for more details.