All rates effective May 25, 2018.
Print Vehicles & Motorcycles Rates
Vehicles & Motorcycles
2016-2018
Including Classics
| Term |
APR |
| 12 Month |
as low as 2.54% |
| 24 Month |
as low as 2.54% |
| 36 Month |
as low as 2.64% |
| 48 Month |
as low as 2.74% |
| 60 Month |
as low as 2.84% |
| 72 Month |
as low as 3.19% |
| 84 Month |
as low as 3.69% |
| 96 Month |
as low as 4.69% |
| 108 Month |
as low as 5.69% |
2013-2015
| Term |
APR |
| 12 Month |
as low as 3.04% |
| 24 Month |
as low as 3.04% |
| 36 Month |
as low as 3.14% |
| 48 Month |
as low as 3.24% |
| 60 Month |
as low as 3.34% |
| 72 Month |
as low as 3.79% |
| 84 Month |
as low as 4.29% |
2012 & Older
Excluding Classics
| Term |
APR |
| 12 Month |
as low as 5.64% |
| 24 Month |
as low as 5.64% |
| 36 Month |
as low as 5.74% |
| 48 Month |
as low as 5.84% |
| 60 Month |
as low as 5.94% |
| 72 Month |
as low as 6.44% |
| 84 Month |
as low as 6.94% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year new vehicle loan would be $17.91 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan would be $18.13 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan would be $19.32 per $1,000 borrowed.
Print Recreational Use Vehicles Rates
Recreational Use Vehicles
| Term |
APR |
| 12 Month |
as low as 3.64% |
| 24 Month |
as low as 3.64% |
| 36 Month |
as low as 3.74% |
| 48 Month |
as low as 3.84% |
| 60 Month |
as low as 3.94% |
| 72 Month |
as low as 4.04% |
| 84 Month |
as low as 4.14% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year recreational use vehicle or equipment loan would be $18.40 per $1,000 borrowed.
Print Boats & Motor Homes Rates
Boats & Motor Homes
2016-2018
| Term |
APR |
| 12 Month |
as low as 3.70% |
| 24 Month |
as low as 3.70% |
| 36 Month |
as low as 3.80% |
| 48 Month |
as low as 3.90% |
| 60 Month |
as low as 4.00% |
| 72 Month |
as low as 4.25% |
| 84 Month |
as low as 4.50% |
| 96 Month |
as low as 4.75% |
| 108 Month |
as low as 5.00% |
| 120 Month |
as low as 5.50% |
| 180 Month |
as low as 6.50% |
2015 & Older
| Term |
APR |
| 12 Month |
as low as 4.20% |
| 24 Month |
as low as 4.20% |
| 36 Month |
as low as 4.30% |
| 48 Month |
as low as 4.40% |
| 60 Month |
as low as 4.50% |
| 72 Month |
as low as 4.75% |
| 84 Month |
as low as 5.00% |
| 120 Month |
as low as 6.00% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year new boat or motor home loan would be $18.42 per $1,000 borrowed.
Monthly payments for a 5 year used boat or motor home loan would be $18.65 per $1,000 borrowed.
Print RFMC Bicycle Loan Rates
RFMC Bicycle Loan
Loan rates and terms are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% is determined by credit score.
Monthly payments for a 1 year bicycle loan would be $83.33 per $1,000 borrowed.
Maximum loan is $2,000 and must be used on a bicycle or cycling apparel/products. Loan is only available to Ride For Missing Children participants.
Print 1st Lien Home Equity Loan Rates
1st Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 3.24% |
| 6-10 Years |
as low as 3.49% |
| 11-15 Years |
as low as 3.99% |
| 16-20 Years |
as low as 4.49% |
| 1-5 Years |
as low as 3.74% |
| 6-10 Years |
as low as 3.99% |
| 11-15 Years |
as low as 4.49% |
| 16-20 Years |
as low as 5.24% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
1st Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $502.50 for a $50,000 loan or $502.50 for a $100,000 loan.
Monthly payments for 10 years would be $9.89 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
1st Lien Fixed Rate No Closing Costs: If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $852.50 for a $50,000 loan or $1,227.50 for a $100,000.
Monthly payments for 10 years would be $10.13 per $1,000 borrowed. This does not include taxes and insurance, actual payments will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print 2nd Lien Home Equity Loan Rates
2nd Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 3.74% |
| 6-10 Years |
as low as 4.24% |
| 11-15 Years |
as low as 4.74% |
| 16-20 Years |
as low as 5.49% |
| 1-5 Years |
as low as 4.24% |
| 6-10 Years |
as low as 4.74% |
| 11-15 Years |
as low as 5.24% |
| 16-20 Years |
as low as 5.99% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
2nd Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $502.50 for a $50,000 loan or $502.50 for a $100,000 loan.
Monthly payments for 10 years would be $10.25 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
2nd Lien Fixed Rate No Closing Costs: If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $852.50 for a $50,000 loan or $1,227.50 for a $100,000.
Monthly payments for 10 years would be $10.49 per $1,000 borrowed. This does not include taxes and insurance, actual payments will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print Home Equity Line of Credit Rates
Home Equity Line of Credit
| Rate |
APR |
| Introductory Rate |
as low as 1.49% for six months* |
| Variable Rate |
as low as Prime Rate |
*After 6 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 03/22/2018 is 4.75%. Minimum Line of Credit loan is $7,500. Rates can increase or decrease, but not to exceed 15.99% APR.
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $852.50 for a $50,000 loan or $1,227.50 for a $100,000 loan.
Consult a tax advisor for deductibility for interest. Homeowners insurance is required.
Print Mobile Homes Rates
Mobile Homes
Mobile Homes
That Meet Home Equity Criteria
| Term |
APR |
| 60 Month |
as low as 5.74% |
| 120 Month |
as low as 6.24% |
| 180 Month |
as low as 6.74% |
New Mobile Homes
Rented Land
| Term |
APR |
| 60 Month |
as low as 9.05% |
| 120 Month |
as low as 10.05% |
Used Mobile Homes
Rented Land
| Term |
APR |
| 60 Month |
as low as 9.55% |
| 84 Month |
as low as 10.55% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value of up to 80% as determined by credit score.
1st or 2nd Lien Mobile Home Loan That Meets Home Equity Criteria Fixed Rate No Closing Costs: If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $852.50 for a $50,000 loan or $1,227.50 for a $100,000.
Monthly payments for a 5 year Mobile Home Loan That Meets Home Equity Criteria would be $19.22 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater Home owners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Monthly payments for a 5 year New Mobile Home (Rented Land) would be $20.80 per $1,000 borrowed.
Monthly payments for a 5 year Used Mobile Home (Rented Land) would be $21.04 per $1,000 borrowed.
Print Mortgage Loans Rates
Mortgage Loans
*Annual percentage rate
Mortgages in New York State only. Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
Print Health Improvement Loan Rates
Health Improvement Loan
| Term |
APR |
| 12 Month |
as low as 7.49% |
| 24 Month |
as low as 7.59% |
| 36 Month |
as low as 7.69% |
| 48 Month |
as low as 7.79% |
| 60 Month |
as low as 7.89% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year health improvement loan would be $20.24 per $1,000 borrowed.
Loan must be used for items/services that are medical in nature.
Print Healthy Pet Loan Rates
Healthy Pet Loan
| Term |
APR |
| 12 Month |
as low as 7.49% |
| 24 Month |
as low as 7.59% |
| 36 Month |
as low as 7.69% |
| 48 Month |
as low as 7.79% |
| 60 Month |
as low as 7.89% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year healthy pet loan would be $20.24 per $1,000 borrowed.
Loan must be used for items/services that are for pet medical needs in nature.
Print Home Improvement Loan Rates
Home Improvement Loan
| Term |
APR |
| 12 Month |
as low as 5.99% |
| 24 Month |
as low as 6.09% |
| 36 Month |
as low as 6.19% |
| 48 Month |
as low as 6.29% |
| 60 Month |
as low as 6.39% |
| 72 Month |
as low as 6.49% |
| 84 Month |
as low as 6.59% |
| 96 Month |
as low as 6.74% |
| 108 Month |
as low as 6.89% |
| 120 Month |
as low as 7.04% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home improvement loan would be $86.08 per $1,000 borrowed.
Loan must be used for items/services that are home improvement in nature.
Print Family Support Loan Rates
Family Support Loan
| Term |
APR |
| 12 Month |
as low as 7.49% |
| 24 Month |
as low as 7.59% |
| 36 Month |
as low as 7.69% |
| 48 Month |
as low as 7.79% |
| 60 Month |
as low as 7.89% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year personal loan would be $20.24 per $1,000 borrowed.
Loan must be used for bereavement needs.
Print Personal Loans Rates
Personal Loans
|
APR |
| 12 Month |
as low as 7.79% |
| 24 Month |
as low as 7.89% |
| 36 Month |
as low as 7.99% |
| 48 Month |
as low as 8.09% |
| 60 Month |
as low as 8.19% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year personal loan would be $20.38 per $1,000 borrowed.
Print Home Energy Loan Rates
Home Energy Loan
Loan rates and terms are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home energy loan would be $86.08 per $1,000 borrowed.
Loan must be used for items/services energy-efficient in nature.
Print Overdraft Lines of Credit Rates
Overdraft Lines of Credit
Loan rates are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Print Credit Cards Rates
Credit Cards
| Term |
APR |
VISA® Platinum
Fixed |
as low as 8.90% |
VISA® Platinum Rewards Plus
Variable Rates. With CURewards® |
as low as 8.74% (Prime + 4.49%) |
Rates and terms are determined by overall credit history. Share Secured cards are offered to Members at the best Fixed Platinum card rate. Applications are subject to credit approval. Full terms and disclosure.