Our Rates and Fees
Loans
Vehicle Loans
Vehicle Age Loan Term
New 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
Interest Rates
24 months as low as 3.00%
36 months as low as 3.00%
48 months as low as 3.25%
60 months as low as 3.50%
72 months as low as 4.00%
Signature Loans
24 months as low as 8.25%
36 months as low as 9.25%
48 months as low as 10.25%
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
Interest Rates
24 months as low as 3.00% up to 120 months as low as 6.75%
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
24 months as low as 3.00% up to 84 months as low as 5.75%
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
24 months as low as 3.5% up to 60 months as low as 5.00%
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| Off line maximum daily cash withdrawn | $200.00 |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| Off line maximum daily cash withdrawn | $50.00 |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**
|
|
0.50%
|
0.50%
|
||
* 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 |
1.00%
|
1.00%
|
|
| IRA Roth |
1.00%
|
1.00%
|
|
| ROTH IRA Conversion Share |
1.00%
|
1.00%
|
|
| IRA |
1.00%
|
1.00%
|
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 | 18 Month |
1.500%
|
1.51%
|
| Minimum $500.00 – Period of Investment 545 D to 548 D | |||
| Share Certificate | 1 Year |
1.00%
|
1.00%
|
| Minimum $2,000.00 – Period of Investment 365 D to 365 D | |||
| Share Certificate | 6 Month |
0.800%
|
0.80%
|
| Minimum $10,000.00 – Period of Investment 180 D to 184 D | |||
| Share Certificate | 3 Month |
0.750%
|
0.75%
|
| 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.
Get in touch with us
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