Rates & Fees

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Off line maximum daily cash withdrawn $200.00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Off line maximum daily cash withdrawn $50.00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
1.700%
1.71%
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.

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