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Rates

 Saving Rates

Effective April 14, 2021

**APY = Annual Percentage Yield
Account Type Minimum Balance to Earn Dividends Rate APY**
Savings & Special Savings  $1,000.00 & OVER  0.08%  0.08%
Checking N/A  0.00% 0.00%
Money Market – Tier 1 $2,500.00 – $49,999.99 0.08%  0.08%
Money Market – Tier 2  $50,000 & OVER  0.22%  0.22%
Christmas Club N/A  0.08%  0.08%
Restricted Christmas Club N/A 0.10% 0.10%
Vacation Club N/A 0.10% 0.10%

Share Certificate/IRA Rates

Effective April 14, 2021

**APY = Annual Percentage Yield
Term Minimum Balance Rate APY**
3 Month Cert. $1,000.00 0.09% 0.09%
6 Month Cert. $1,000.00 0.14% 0.14%
12 Month Cert. $1,000.00 0.25% 0.25%
24 Month Cert. $1,000.00 0.33% 0.33%
36 Month Cert. $1,000.00  0.42% 0.42%

Personal/Secured Loan Rates

Effective March 11, 2021

*APR = Annual Percentage Rate
Term APR*
Share Secured Personal (Up to 95% of available funds) Call for details .85%
Share Certificate Secured Personal (Up to 95% of available funds) Call for details .85%

Personal/Unsecured Loan Rates

Effective March 11, 2021

*APR = Annual Percentage Rate
Term APR*
Closed End Personal Loan Call for details 8.5%
Bill Consolidation Call for details 11.75%
PayDay Assistance (PAL) 3 Month term. $20 application fee. 28.00%

MasterCard® Rates

Effective March 22, 2021

*APR = Annual Percentage Rate
**Applies to new cards, new purchases, balance transfers and cash advances through March 31, 2022
MasterCard® Credit Limit APR* Variable APR*
Premier $1,000 to $15,000 N/A .85%**
Regular $1,000 to $15,000 .85%** N/A
Share Secured $250 to $2,500 .85%** N/A

New & Used Auto, Motorcycle, and ATV Loan Rates

Effective March 11, 2021

*APR = Annual Percentage Rate
Product As Low As APR*
New/Used Auto
Models 2020 – 2021
Terms up to 5 years, Call for Details
.85%
Used/Older Auto
Models 2017 – 2020
Terms up to 5 years, Call for Details
.85%
New/Used Motorcycle
(2019, 2021)
Terms up to 5 years, Call for Details
8.50%
New ATV’s (All Terrain Vehicle) and Personal Watercraft
(Current year only)
Terms up to 5 years, Call for Details
8.50%

Mortgage Rates

Effective March 25, 2021
Prime Rate as of 3/25/2021 is 3.25%

Product Rate APR*
Home Equity Line of Credit (HELOC)**
“VARIABLE RATE” Rate valid through 3/31/22
.85% .85%
30 Year Conforming Fixed First Mortgage 2.750% 2.779%
15 Year Conforming Fixed First Mortgage 2.375% 2.426%
*APR = Annual Percentage Rate. Based on loan amount of $200,000. **1.50% over Prime Rate for standard HELOC, OR 3.00% over Prime Rate for Credit Refresher or Non-Owner Occupied, with rates not lower than 5.00% and 7.00% respectively.   ***2.75% over Prime Rate.

All rates subject to change without notice.

Rancho Federal Credit Union uses RISK-BASED PRICING. This loan interest rate structure applies to all new and used vehicle and unsecured loans, as well as our Home Equity Line-of-Credit program. Risk-Based Pricing is a system of pricing loans so that the interest rate charged to a member is based on the credit risk they represent. We are able to offer low-rate pricing to our lower risk members, and at the same time allow our higher risk members to obtain credit at a higher rate. The loan rate pricing structure is determined by each members own credit score as defined on their credit report issued by Experian. The Risk Based model used by this credit union is “Vantage.” To receive a free copy of your credit report contact Experian at the address below.

Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
1.888.397.3742
www.experian.com/reportaccess

Contact Us

Click or call (562) 803-6401 or (866) 855-9050 for a representative.