Rates

Rates effective as of 04/29/2013 and are subject to change monthly  
Share/Savings Accounts  
 
 
Regular Shares 1.05% Div. Rate 1.06% APY *  
$5 Minimum $25000 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  
 
Share Secured Loans 3.05% APR Up to 60 Months  

 Up to Available Share Balance

  
Vehicle Loans  
 
New & Used Vehicles  2013 -2011 Loans As Low as 2.79% APR Up to 60 Months. 2.99% for 72 Mo  

Up to 100% Financing, Plus Tax, Title, & License

  
Used 2010 Vehicle Loans As Low as 2.79% APR Up to 60 Months  

Up to NADA Retail Value, Plus Tax, Title & License

  
Used 2009 - 2006  Vehicle Loans As Low as 2.79% APR Up to 60 Months  

Up to NADA Retail Value

  
Used 2005 & 2004    Vehicle Loans As Low as 2.79% APR Up to 48 Months  

Up to NADA Retail Value

  
Used 2003 & Older Vehicle Loans As Low as 2.79% 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.  
   
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.  
   
Personal Loans As Low as 7.75% APR Up to 60 Months  

$300 Minimum $10000 Maximum Depending on Credit Score

  
 

Fee Schedule

  
New Member Fee                                         $1
Stop Payment Fee                                       $20
NSF Paid Item Fee              $20 with $100 Max per day
NSF Return Item Fee              $20 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                                        $5
Loan Skip Payment Fee                                      $15
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
 

HOLIDAY CLOSURES

THE CREDIT UNION WILL BE CLOSED ON MONDAY, MAY 27TH, FOR MEMORIAL DAY.
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