Routing# 262275835
With a minimum credit score of 730 or above and LTV below 75%
|
Type |
36 Month Fixed APR As Low As |
60 Month Fixed APR As Low As |
72 Month Fixed APR As Low As |
84 Month Fixed APR As Low As |
|---|---|---|---|---|
|
New Car |
% |
% |
% |
% |
|
Used Car |
% |
% |
% |
% |
|
Type |
Fixed APR As Low As |
Maximum Amount Financed |
|
|---|---|---|---|
|
New/Used Motorcycle 4-60 months |
% |
|
|
|
New/Used Motorcycle 61-72 months |
% |
Up to 100% of Purchase Price for New or Up to 100% of J.D Power Book Value for Used |
|
Type |
Fixed APR As Low As |
Maximum Amount Financed |
|
|---|---|---|---|
|
New/Used Boat, Motor, & Trailer |
% |
|
|
|
New/Used RV |
% |
Up to 100% of Purchase Price for New or Up to 100% of J.D Power Book Value for Used |
|
|
ATVs & Jet Skis with Trailers |
% |
Up to 100% of Purchase Price for New or Up to 100% of J.D. Power Book Value for Used |
|
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 and Save* |
% |
N/A |
Min $500 up to Max $2,000 |
|
Share Secured |
N/A |
% |
Up to 100% of primary savings account balance |
|
Home Equity Line of Credit - Classic |
N/A |
% |
Min $10,000 |
|
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) |
% |
% |
% |
APRs are based on your creditworthiness when you open your account. Variable APRs will vary with the market based on the Prime Rate plus a margin. Fixed APRs are fixed for the term of the loan.
Must be a RFCU® member to obtain a loan. All loans subject to credit approval. Rates are subject to change without notice. Other restrictions may apply. RFCU is an equal credit opportunity lender. Must have online banking and PIN/password to access online application.
For Secured Visa:
Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in Account must equal credit limit, will not earn dividends and must remain in the account. No withdrawals are permitted unless account is paid in full. No overdrafting allowed. Deposits are limited to initial deposit and approved credit limit increases. No joint account owners or beneficiaries are permitted. Coborrowers are not permitted. Up to three authorized users may be name.
|
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 |
% |
% |
Annual Percentage Yield (APY)
You must be eligible for membership and open a Regular Share (savings) account to join the Credit Union. You must be a member to open another account. The minimum initial deposit required to open the savings account is $5. You must maintain a minimum daily balance of $5.00 in the savings account. There is no minimum balance required to earn the disclosed APY.
There is no minimum balance required to open the “You Name It” Savings Account. The minimum daily balance required to earn dividends and the disclosed APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.
There is no minimum balance requirement to open or maintain a Christmas Club account or to earn the disclosed APY.
A minimum balance of $2,000 is required to open the Money Market Share and a minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time your daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the disclosed APY for that tier.
Only one Brighter Day Savings Account is allowed per member. There is no minimum balance required to open the Brighter Day Savings Account. As of , the annual percentage yield (APY) for the Brighter Day Savings Account is % and is subject to change monthly. There is no minimum balance required to earn the disclosed APY, but the maximum balance to earn % APY is $2,500. Any deposits beyond $2,500 will earn % APY and is subject to change monthly. The APY is accurate as of the last dividend declaration date. Fees and other conditions could reduce the earning on the account. Please contact Redstone for current share savings rate information.
Rates subject to change after account is opened. Rates may change every month as determined by the Board of Directors.
These annual percentage yields are accurate as of the last dividend declaration date.
Fees and other conditions could reduce earnings on the accounts.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
Please refer to the Account and Electronic Services Agreement for further disclosures. Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates or additional information.
Federally insured by NCUA.
|
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 |
% |
% |
% |
% |
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12 Months Fixed |
% |
% |
% |
% |
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18 Months Fixed |
% |
% |
% |
% |
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24 Months Fixed |
% |
% |
% |
% |
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36 Months Fixed |
% |
% |
% |
% |
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48 Months Fixed |
% |
% |
% |
% |
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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 |
% |
% |
% |
% |
|
8 Months Fixed |
% |
% |
N/A |
N/A |
|
12 Months Fixed |
% |
% |
% |
% |
|
18 Months Fixed |
% |
% |
% |
% |
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24 Months Fixed |
% |
% |
% |
% |
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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 |
% |
% |
% |
% |
*Annual Percentage Yield (APY)
The minimum balance required to open the Share Certificate is $1000. The minimum balance required to open the Jumbo Certificate is $100,000. You must maintain these minimum balances at all times to earn the disclosed annual percentage yields (APY). Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.
The minimum balance required to open a Member's Choice Share Certificate is $1,000. You must maintain this minimum balance at all times to earn the disclosed annual percentage yields. Member's Choice Share Certificates are not available as Jumbo Certificates.
For non-compounding share certificates, no dividends are added to the share certificate but are transferred to a designated share account. Dividends cannot remain on a non-compounding share certificate. Payout of dividends is mandatory.
For non-compounding Jumbo Share Certificates, no dividends are added to the share certificate but, at the member's option, are either transferred to the designated share account or issued to the member in the form of a monthly check. Dividends cannot remain on a non-compounding share certificate. Payout of dividends is mandatory.
For non-compounding Member's Choice Share Certificates, no dividends are added to the share certificate but are transferred to the designated share savings account. Dividends cannot remain on a non-compounding Member's Choice Share Certificate. Payout of dividends is mandatory.
A substantial penalty will be imposed for the early withdrawal of certificate principal prior to maturity date. A withdrawal could reduce earnings.
Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.
For Member's Choice share certificates:
After 90 days from the certificate opening date, members have the option to request to change the dividend rate to the current dividend rate applicable to the term for their certificate. Future rate changes may be requested every 365 days after the last rate change on their account.
For 8-month Jumbo Certificate:
*APY=Annual Percentage Yield
The 8-Month Jumbo Compounding Certificate is available for new funds only (money was not on deposit with RFCU® prior to the last 14 calendar days, including the day the certificate account is opened). Minimum opening deposit is $100,000. No additional deposits are allowed during the term of the certificate. At maturity, the 8-Month Jumbo Compounding Certificate will automatically transfer to a 6-month Jumbo Compounding Certificate unless otherwise requested by the member. The Credit Union may stop offering this certificate at any time without notice.
Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.
Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.
Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates.
Federally insured by NCUA.
|
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 |
% |
% |
$ |
Annual Percentage Yield (APY)
Traditional IRA and Roth IRA Certificates:
Traditional and Roth Savings IRA:
|
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|
Endeavor Savings Account |
||
|
$ |
% |
% |
Endeavor Plus Checking |
||
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
Endeavor Money Market |
||
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
|
|
% |
% |
Annual Percentage Yield (APY)
Disclosures
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Membership required for RFCU products. Click here for membership information.
All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.