Rates

Rates effective as of 08/31/2016 and are subject to change monthly
Share/Savings Accounts  
Regular Shares 1.00% Div. Rate 1.0046% APY *
$5 Minimum $50,000 Maximum
The dividend rate and yield shown above reflect the rate declared for the prior month. The dividend rate for this month will be determined at the end of the month. Dividends Compounded & Credited Monthly on the last day of the month. Dividends are paid on balances of $50.00 or more.
*APR=Annual Percentage Rate **APY=Annual Percentage Yield
Loan Accounts
2016–2014 Boat & Camper Loans over $25,000 Loan Rates as Low as 2.49% APR up to 96 Months for credit scores of 640 & higher.  New: Up to MSRP plus Tax, Title, & License.  Used: Up to NADA Retail Value, plus Tax, Title, & License.  
NEW AUTO LOANS OVER $25,000 Loan Rates as Low as 2.49% APR up to 84 months for credit scores of 640 & higher.  Up to MSRP plus Tax, Title, & License
New & Used Vehicles 2016 -2014 Loans As Low as 2.49% APR Up to 72 Months if over $17,000Up to 60 Months if $17,000 or less
New: Up to MSRP plus Tax, Title, & License.  Used: Up to NADA Retail Value, plus Tax, Title & License.
Used 2013 Vehicle Loans As Low as 2.49% APR Up to 60 Months
Up to NADA Retail Value, Plus Tax, Title & License
Used 2012 – 2009 Vehicle Loans As Low as 2.49% APR Up to 60 Months
Up to NADA Retail Value
Used 2008 & 2007 Vehicle Loans As Low as 2.49% APR Up to 48 Months
Up to NADA Retail Value
Used 2006 -1997 Vehicle Loans As Low as 2.49% APR Up to 36 Months
Up to NADA Retail Value
Vehicle Loans consist of Cars, Trucks, RV’s, Boats, Travel Trailers, Motor Homes, Motorcycles, and Miscellaneous Equipment such as Tractors.
Share Secured Loans                    3.00% APR                                      Up to 60 MonthsUp to Available Share Balance
Personal Loans As Low as 7.75% APR Up to 60 Months
$300 Minimum $10,000 Maximum Depending on Credit Score
APR = Annual Percentage Rate Loan rates are determined by credit score. All loan payments made ten (10) days past the due date or later will be charged a late fee.  Rates shown include automatic payment discount.  
Fee Schedule
New Member Fee $1
Stop Payment Fee $20
NSF Paid Item Fee $25 with $100 Max per day
NSF Return Item Fee $25 with $100 Max per day
Excess Share Withdrawals over 5 Per Month $1
Account Research $15 Per Hour with a 1 Hour Minimum
Wire Transfer $15
Chargeback Fee From Self      $25From Others  $5
Loan Skip Payment Fee $20
Statement Copy $5
Photocopy of Check $1
Reorder Debit Card $10
Account Reconciliation $20
Account Maintenance Fee if account is closed within 60 days of account opening date $10
ATM Transaction Fee for transactions or balance inquiries made at ATM’s not owned by Red River Federal Credit Union $0