Rates

Rates effective as of 10/01/2014 and are subject to change monthly
Share/Savings Accounts
Regular Shares 1.00% Div. Rate 1.0046% APY *
$5 Minimum $25,000 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
Share Secured Loans 3.00% APR Up to 60 Months

 Up to Available Share Balance

Vehicle Loans
New & Used Vehicles  2015 -2013 Loans As Low as 2.39% APR Up to 72 Months

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

Used 2012 Vehicle Loans As Low as 2.39% APR Up to 60 Months

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

Used 2011 - 2008  Vehicle Loans As Low as 2.39% APR Up to 60 Months

Up to NADA Retail Value

Used 2007 & 2006    Vehicle Loans As Low as 2.39% APR Up to 48 Months

Up to NADA Retail Value

Used 2005 & Older Vehicle Loans As Low as 2.39% 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 $10,000 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                                      $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