Auto
Purchase Loan Rate
|
||
Loan
Type
|
Term
|
APR*
|
| New Autos 2008 | 60
mos.
|
4.49%
|
| Auto 2007 | 60
mos.
|
4.49%
|
| Auto 2006 | 60
mos.
|
4.49%
|
| Auto 2005 | 60
mos.
|
4.49%
|
| Auto 2004 | 48
mos.
|
5.79%
|
| Auto 2003 & Older | 36
mos.
|
6.29%
|
| Repo Rate | Up
to 60 mos.
|
6.90%
|
Motor
Homes/Travel Trailers (over $25,000)
|
||
| New | 144
mos.
|
7.25%
|
| Used | 144
mos.
|
7.75%
|
Recreational
Vehicles
(RV's,Travel Trailers, Motorcycles, ATV's, Jet Skis, Boats) |
||
| New | Up
to 60
mos.
|
5.75%
|
| Used | Up
to 60
mos.
|
6.25%
|
Equipment
|
||
| New | 36-60
mos.
|
6.75%
|
| Used | 36-60
mos.
|
7.75%
|
Secured
Loans
|
||
| Share Secured | 60
mos.
|
4.50%
|
| Certificate Secured | 12
mos.
|
Dividend
Rate + 2.00%
|
| Money Market Secured | 60
mos.
|
5.00%
|
| Miscellaneous Secured | Up
to 60 mos.
|
10.25%
|
Unsecured
Loans
|
||
| Unsecured | -
|
13.30%
|
| MoneyLine (Line of Credit) | -
|
11.30%
|
Visa™ and
MasterCard™
|
||
| Classic ($300-$5,000) | -
|
12.90%
|
| Gold ($5,000-$15,000) | -
|
12.50%
|
| Secured (Minimum $300) | -
|
10.00%
|
| Platinum ($7,500-$15,000) | -
|
9.90%
|
Home
Loans
|
||
| Variable Rates | ||
| 5/1 - 5 yr Fixed then Adjusted Yearly | -
|
5.375%
|
| 4/4/4 - 4 yr Fixed then Adjusted Every 4 yrs | - |
5.375% |
| 5/5/5 - 5 yr Fixed then Adjusted Every 5 yrs | -
|
5.625%
|
| Fixed Rates | ||
| Construction | Up
to 12 mos.
|
7.00%
|
| In-House 15yr Fixed | -
|
7.50%
|
| 3-Year Balloon | -
|
6.00%
|
| 5-Year Balloon | -
|
6.75%
|
| First Time Homeowners | - |
7.00% |
| Home Equity- AR/TX | ||
| Fixed Home Equity | Up
to 5 years.
|
6.50%
|
Up
to 15 yrs.
|
7.50%
|
|
| *Please call for our Home Equity Line of Credit quotes | ||
| Home Improvement | ||
| Home Improvement | Up
to 84
mos.
|
6.75%
|
| Note:
All
of the above mortgage loans can be amortized for up to 30 years. Adjustable Rate Mortgage (ARM) Caps 2% per year and 6% during the Life of the Loan Secondary Market - 1st Mortgage Fixed Rate (Call Real Estate Dept. for current rate) |
||
*Annual percentage rates are based on credit scores. Rates may vary up to 18%. Rates are subject to change daily.
Savings,
Checking, and Investment Rates
Savings, Checking, and Money Market Accounts
Type
|
Dividend
Decl. Date
|
Minimum
Opening Balance
|
Minimum
Balance
|
Dividends
Credited & Compounded
|
Method
|
APR*
|
APY**
|
| Regular Savings | 06/30/08
|
$5
|
$5.00
- $9,999.99
$10,000-$24,999.99 $25,000+ |
Quarterly
|
Daily
Balance
|
1.00%
1.25% 1.50% |
1.01%
1.26% 1.51% |
| HSA Savings | 06/30/08
|
$5
|
$5.00
- $9,999.99
$10,000-$24,999.99 $25,000+ |
Quarterly
|
Daily
Balance
|
1.00%
1.25% 1.50% |
1.01%
1.26% 1.51% |
| Checking | 05/31/08
|
$0
|
$0
|
Monthly
|
Daily
Balance
|
0.25%
|
0.26%
|
| HSA Checking | 05/31/08
|
$0
|
$0
|
Monthly
|
Daily
Balance
|
0.25%
|
0.26%
|
| Members Choice Checking | 05/31/08
|
$0
|
$0
|
Monthly
|
Daily
Balance
|
1.00%
|
1.01%
|
| 50 Choice Checking | 05/31/08
|
$0
|
$0
|
Monthly
|
Daily
Balance
|
1.00%
|
1.01%
|
| Money Market | 05/07/08
|
$2,500
|
$2,500
- $24,999.99
$25,000-$49,999.99 $50,000+ |
Monthly
|
Daily
Balance
|
1.50%
2.00% 2.50% |
1.51%
2.01% 2.52% |
| SmartChoice Money Market | 05/07/08
|
$25,000
|
$25,000-$49,999.99
$50,000-$99,999.99 $100,000+ |
Monthly
|
Daily
Balance
|
2.00%
3.00% 4.00% |
2.01%
3.04% 4.07% |
| IRA Savings | 06/30/08
|
$0
|
$0
|
Quarterly
|
Daily
Balance
|
1.50%
|
1.51%
|
Certificates (Term Share Accounts)***
Type
|
Dividend
Decl. Date
|
Minimum
Opening Balance
|
Minimum
Balance
|
Dividends
Credited & Compounded
|
Method
|
APR
Monthly/ Quarterly |
APY
Monthly/
Quarterly |
6
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.05%
|
3.08%/3.07%
|
12
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.10%
|
3.14%/3.13%
|
18
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.10%
|
3.14%
|
24
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.30%
|
3.35%/3.34%
|
36
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.30%
|
3.35%/3.34%
|
48
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.30%
|
3.35%/3.34%
|
60
Months
|
05/07/08
|
$500
|
$500
|
Monthly/Quarterly
|
Daily
Balance
|
3.30%
|
3.35%/3.34%
|
*APR
= Annual Percentage Rate
**APY
= Annual Percentage Yield
***These rates
also apply to IRA Certificates, except 6 and 18 month terms
Red River
Federal Credit Union offers several choices of credit cards, offering solutions
to all your financial needs.
FHA-Federal Housing
Administration
Conventional
New Construction
Home Improvement
Home Equity
VA
And many more...