Our Rates and Fees
Loans
Auto & Recreational Loans
Auto Loan Interest rates
24 months as low as 5.25%
36 months as low as 5.25%
48 months as low as 5.20%
60 months as low as 5.50%
72 months as low as 5.50%
84 months as low as 6.25%
Vehicle Age Loan Term
Brand New up to 84 months
0 to 1 year old up to 72 months
2 to 5 years old up to 60 months
6 to 10 years old up to 48 months
Over 10 years old up to 36 months
Signature Loans
24 months as low as 8.75%
36 months as low as 8.75%
48 months as low as 8.75%
Recreational Vehicles (camper trailers, motor homes)
New to 5 years old up to 120 months
6-10 years old up to 84 months
Over 10 years old up to 60 months
Boats
New to 1 year old up to 84 months
2-8 years old up to 72 months
9-10 years old up to 60 months
Over 10 years old up to 48 months
ATV’s, Motorcycles, Water craft, Snowmobiles
New to 1 year old up to 60 months
2-5 years old up to 48 months
Over 5 years old up to 36 months
Recreational Vehicle/Boat/ATV, Motorcycle, Watercraft, Snowmobile Interest rates
24 months as low as 5.25%
36 months as low as 5.25%
48 months as low as 5.25%
60 months as low as 5.50%
72 months as low as 5.50%
84 months as low as 6.25%
96 months as low as 6.75%
108 months as low as 7.00%
120 months as low as 7.25%
Fees
Fee Schedule for ATM/Check Card
Monthly Fee | None |
ATM card usage fee – first 3 foreign transactions free per month, thereafter |
$3.00 |
Off line maximum daily cash withdrawn | $200.00 |
Card replacement | $15.00 |
Merchant ticket copy | $15.00 |
Overdraft transfer from shares | $5.00 |
Overdraft transfer from loan | $5.00 |
PIN replacement number | $15.00 |
Merchant Transaction fee | None |
Fee Schedule for ATM Cards
Monthly Fee | None |
ATM card usage fee – first 3 foreign transactions free per month, thereafter |
$1.00 |
Card replacement | $15.00 |
Cash withdrawal maximum per day | $500.00 |
Off line maximum daily cash withdrawn | $50.00 |
PIN replacement number | $15.00 |
Other Fees:
Address Corrections – Returned Statement | $5.00 |
Counter Checks | 8 free on opening account |
Check Orders | Fee depends on style ordered |
Credit Union Check | $3.00 |
Money Order | $3.00 |
Wire Transfer | Incoming for members- no charge |
Outgoing domestic- $25.00 | |
Outgoing international -$50.00 | |
Telephone Transfer | No Charge |
Transfers – (Reg. D.) More than six unauthorized transfers per month |
$25.00 |
NSF Draft Returned or Paid… | $30.00 |
Overdraft Protection | $5.00 per access |
Deposited Checks Returned Unpaid | $10.00 |
Collections | $5.00 |
Stop Payment Order or Renewal | $10.00/member’s check |
Account Activity Printout | $2.00 |
Statement | Interim $1.00 |
Reconcile Statement | No Charge First Time |
For each statement needed to reconcile | $2.00 |
Account Research/ Balancing Assistance | $30.00 / hr $30.00 minimum |
Copy of Share Draft | $5.00 |
Photocopies | $.10 per copy |
Escheat Processing | |
Applied when turned over to state | $50.00 |
Garnishment, Levy, or Execution | $50.00 |
Home Banking | No Charge |
Bill Pay | No Charge |
Notary Service | No Charge |
Night Deposit | No Charge |
A Monthly Fee Will be Assessed on Accounts Clearing the Following Number of Share Drafts: |
75-150 $2.00 151-225 $4.00 Over 225 $6.00 |
Primary Share Account Closed Within 90 Days of Opening | $15.00 |
Safe Deposit Boxes
Small (3 by 5) | $20 / yr |
Medium (3 by 10) | $30 / yr |
Large (5 by 10) | $40 / yr |
Primary Share
Rate Name | Term |
Rate*
|
APY**
|
0.650%
|
0.65%
|
||
* APR = Annual Percentage Rate. APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly). ** APY = Annual Percentage Yield. APY is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. ** Rates subject to change without notice. Some restrictions apply, please contact Richalnd Federal Credit Union.
IRA's
Rate Name | Term |
Rate*
|
APY**
|
IRA Education |
1.750%
|
1.76%
|
|
IRA Roth |
1.750%
|
1.76%
|
|
IRA Rates are subject to change quarterly
* APR = Annual Percentage Rate. APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly).
** APY = Annual Percentage Yield. APY is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. ** Rates subject to change without notice. Some restrictions apply, please contact Richalnd Federal Credit Union.
Share Certificates
Rate Name | Term | Rate* | APY* |
Share Certificate | 25 Month | 4.00% | 4.06% |
Minimum $500.00 – Period of Investment 395 D to 25 M | |||
Share Certificate | 18 Month | 2.75% | 2.78% |
Minimum $500.00 – Period of Investment 545 D to 548 D | |||
Share Certificate | 13 Month | 4.50% | 4.58% |
Minimum $2500.00 – Period of Investment 395 D to 395 D | |||
Share Certificate | 12 Month | 2.50% | 2.52% |
Minimum $2,000.00 – Period of Investment 365 D to 365 D | |||
Share Certificate | 6 Month | 2.25% | 2.26% |
Minimum $10,000.00 – Period of Investment 180 D to 184 D | |||
Share Certificate | 3 Month | 1.75% | 1.76% |
Minimum $7,500.00 – Period of Investment 90 D to 92 D |
* APR = Annual Percentage Rate. APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly).
** APY = Annual Percentage Yield. APY is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. ** Rates subject to change without notice. Some restrictions apply, please contact Richalnd Federal Credit Union.
![Money Market Nov 2023](https://www.richlandfederalcreditunion.com/wp-content/uploads/2023/11/Money-Market-Nov-2023-743x1024.jpg)
Get in touch with us
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