Locations & Hours
Call us at 800-562-7328
Checking / SavingsChecking Accounts Choose from one of our four great checking accounts! All accounts include check safekeeping - we store your cancelled checks in a safe place for you rather than return them to you with your monthly statement. Copies of available cancelled checks can be provided when needed. Checking accounts offer the convenience of a FREE Master MoneyTM Debit/ATM card to qualified members. Reorder your checks online!Members can now reorder basic style checks by filling out our Secure Check Reorder Form. Select Reorder Checks online, fill in the form, and click Submit.View your check images through Online Banking!Access your Account History in Online Banking for a specified date range on your checking account. Click on the check description, and a new window opens with the front and back of the cancelled check. It's that simple! Print from this new window if desired, and close the window to be returned to Account History.
In order to view or print the check images, you must have access to Online Banking, have a browser (Internet Explorer version 6.0 or higher, Firefox 3.0, or Safari 3.0) with 128-bit encryption, and have Adobe Acrobat version 6.0 or higher. To download a free copy of Adobe Acrobat, click here. To apply for FREE Online Banking, click here. Checking Account Switch KitLooking for a hassle free way to switch to an RFCU checking account? Follow the instructions on the RFCU Checking Account Switch Kit to help simplify the process. Select Switch Kit now to view and print this document. Adobe Acrobat required to view the Switch Kit brochure. |
FREE Checking |
A non-dividend bearing checking account. Designed for members who don't want to worry about maintaining a minimum balance or worry about service charges.
* You may be assessed an additional fee or surcharge fee by the ATM owner
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If you’re a busy student**, this account is right for you! It gives you access Use free Online Banking and free Bill Pay, to check your balances and pay your bills from the location of your choice-24 hours a day! You can also check your balances by phone using Tele-Touch our toll-free audio response system.
Open an account in your local branch, over the phone by calling 1-800-562-7328 or online by clicking on one of the links below. *You may be charged an additional surcharge by the ATM owner if they are not a member of the SUM network.
**Available to registered undergraduate students ages 17-24 who are attending school at least part time. Upon member’s 24th birthday, account will convert to a Free Checking account. Members under 17 years of age must have an adult co-signer. ***Member must be 18 years of age or older to apply for a MasterMoney Debit Card.
Please Note: Existing members when applying for Free Student Checking |
Dividend Checking- FREE Unlimited ATM Use!* |
If you're looking for a checking account that allows you to use any ATM and pays you dividends on your hard-earned money, Dividend Checking is the account for you! You'll earn our highest dividend rate on checking. Click here for our current rates.
With Direct Deposit of your net pay, Social Security, or pension to your account, you'll also get reimbursement for up to $10.00 a month in ATM surcharges * Transactions: withdrawals and inquiries. You may be assessed an additional surcharge by the ATM owner if they are not a member of the SUM network. **You must be 18 years of age or older to apply for a MasterMoney Debit card.   |
40 PLUS Checking |
For members who are 40 or better. Receive all the benefits of a Dividend Checking account PLUS!
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  Debit/ATM Card |
MasterMoney® Debit/ATM Card - FREE With Checking Account! |
A new, more convenient way to shop 
 To start taking advantage of the Master Money/ATM Card, complete the MasterMoney Debit and Automated Teller Machine (ATM) Card Application. Once we receive your application, your card will be ordered. You should receive your card within 14 business days. A randomly generated PIN will be assigned and mailed, separately from your card. You may change the generated PIN, at any RFCU ATM located at one of our branches or by visiting a Member Service Representative at one of our branches. |
Savings Accounts |
Advantage Savings |
Earn a higher rate of dividend as your savings grow. This is a statement savings account with tiered dividend rates. Click here for our current rates.
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Money Market Savings |
Now you can enjoy the best features of both checking and savings combined! Our Money Market Savings account offers you these important advantages:
* A fee is charged for checks written in excess of three. |
Christmas Club Account |
A statement savings account earning a higher rate of dividends than the regular savings account.
Term CertificatesTerms range from 91 days to 5 years offering a fixed rate of dividend for the term of the certificate. Click here for our current rates and terms.
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Tele-Touch 1-800-662-7328 Tele-Touch Reference Guide |
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Tele-touch is our 24 hour touch tone phone service. You can access your accounts 24 hours a day, seven days a week from the location of your choice. You can check balances, transfer funds, make loan payments, obtain a listing of the most recent checks that have cleared your account, and more. |
Overdraft Options |
Overdraft ProtectionAvoid the embarrassment and cost of overdrawing your account with overdraft protection. We offer two convenient ways you can add overdraft protection --- either through a savings account or a line of credit. Overdraft ServiceRockland Federal Credit Union extends Overdraft Service to members in good standing. (You must be a member for at least 30 days to be eligible for this service.) It allows the credit union to pay withdrawals to your checking account that would cause it to be overdrawn. If you do not have enough money in your account for a check, pre-authorized withdrawal, ATM or debit card transaction, RFCU will usually decline the transaction. In these cases, you may be unable to complete the transaction unless you have another form of payment. If you want RFCU to authorize and pay these overdrafts, you can request Overdraft Service. All members who would like to be eligible for this service must "Opt-In." Having Overdraft Service does not guarantee that RFCU will authorize your overdrafts in all cases. If RFCU authorizes and pays an overdraft, you will be charged a fee of $28.00*. Whether we pay or return an item, your account may be assessed a fee, either as an Overdraft Service charge or a Non-Sufficient Funds charge, but you will not be charged both fees by us. You will only be charged a Non-Sufficient Funds charge if we do not pay the item. You may opt-out of the Overdraft Service in its entirety at anytime in writing. If you choose to do so you may be subject to insufficient funds fees assessed by the credit union and merchants. RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction. How to Request Overdraft Service Overdraft Service FAQs:Q: What is Overdraft Service? A: Overdraft Service is extended to credit union members in good standing. (You must be a member for at least 30 days to be eligible for this service.) It allows the credit union to pay withdrawals to your checking account that would cause it to be overdrawn. If you do not have enough money in your account for a check, pre-authorized withdrawal, ATM or debit card transaction, RFCU will usually decline the transaction. In these cases, you may be unable to complete the transaction unless you have another form of payment. If you want RFCU to authorize and pay these overdrafts, you can request Overdraft Service. RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction. Overdraft Service is a service that allows us to pay an item presented against your share draft account even if it causes the account to become overdrawn. Q: What are the standard overdraft practices that come with my account? A: Rockland Federal Credit Union currently authorizes and pays overdrafts for the following types of transactions:
We will authorize and pay overdrafts, through June 30, 2010, for the following types of transactions:
PLEASE NOTE: We will no longer authorize and pay these overdrafts after June 30, 2010 unless you ask us to by "opting-in" to the Overdraft Service program. To opt-in, call us at 1-800-562-7328 or click here to submit the form online. Q: What fees will I be charged if Rockland Federal Credit Union pays my overdraft? A: Under our standard overdraft practices there is no limit to the total fees we can charge you for overdrawing your account. If RFCU authorizes and pays an overdraft, you will be charged a fee of $28.00* for each transaction. Q: What if I want Rockland Federal Credit Union to authorize and pay overdrafts on my everyday debit card transactions? A: If you also want us to authorize and pay overdrafts on everyday point-of-sale transactions, you must complete an opt-in form, which can be found here. You have the right to revoke your consent by opting out at any time in writing. You may opt-out of the Overdraft Service in its entirety at anytime in writing. If you choose to do so you may be subject to insufficient funds fees assessed by the credit union and merchants. RFCU reserves the right to revoke Overdraft Service privileges at anytime without prior notifications and to deny the payment of any transaction. Q: Will I be charged a fee if RFCU doesn�t pay my overdraft and returns an item due to insufficient funds? A: Whether we pay or return an item, your account may be assessed a fee, either as an Overdraft Service charge or a Non-Sufficient Funds charge, but you will not be charged both fees by us. You will only be charged a Non-Sufficient Funds fee if we do not pay the item. Q: How long can my account remain negative? A: If your balance remains negative for more than 5 days, your account will be closed and forwarded to the Collections Department for further action. *$28.00 fee is effective as of January 1, 2010 and is subject to change. |
Direct Deposit |
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Have funds deposited to your RFCU checking or savings account without ever visiting the credit union. It's convenient and saves you time! Sign up for direct deposit of your Social Security check after you have opened your checking account. Contact Social Security at 1-800-772-1213. You should have your checking account number (you can find this by looking at your statement or one of your checks. It's the second set of numbers on the bottom of your che ck) and our Routing number 211373348 ready when you call. Click here to print a Request for Direct Deposit form. |
Safe Deposit Boxes |
| A safe way to protect your important papers or valuables. Safe Deposit boxes are available in our Rockland, Marshfield and Walpole locations and are available in a wide range of sizes. To open a safe deposit box, please visit either the Rockland, Marshfield or Walpole branch locations. |
to your cash without charging you a monthly fee and you don’t have to worry about maintaining a minimum balance.
Personal Loans
Whether you're planning to buy a computer, consolidate bills, or take a vacation ---- we have a variety of loans to meet your needs and budget. You'll find that our competitive rates and convenient terms help keep your payments affordable.Auto Loans
Auto loans are available with flexible terms and competitive rates. We offer 100% financing to qualified applicants for both new and used cars. We will even pre-approve you before you go shopping!
Are you paying too much on your current auto loan?
Refinance it online today!
RFCU has a reputation for providing our members with auto loans at competitive rates. Let us refinance your high rate auto loan today and save you money! We provide 100% financing on new and used vehicles to qualified applicants. Rates are as low as 3.99% APR* with approved credit. If you're interested in lowering your monthly payment, you can refinance your loan and extend the term to keep more cash in your pocket. Remember, there are no application fees and no pre-payment penalties. Take a minute to use our loan calculator to see if you are getting the best value for your money!
Click here for our current rates and terms.
*Annual Percentage Rate (APR) shown represents the lowest rate currently available as of October 1, 2009 and is subject to change. The monthly payment on a loan of $10,000 with an Annual Percentage rate of 3.99% for 60 months would be $184.12. This rate is for qualified applicants based on approved credit. Other rates are available based on member's credit history. Not available on existing RFCU auto loans.
VISA Credit Cards
- Visa Classic or Visa PlatinumA Rockland Federal Credit Union Visa card is convenient and easy to use. With our low interest rates and no annual fee, you'll save money. Applying is easy! Simply complete the Visa Loan Application and press SUBMIT.
Visa Classic Credit Card
- NO ANNUAL FEE!
- LOW BALANCE TRANSFER RATE - Low fixed rate of 6.00% Annual Percentage Rate* for LIFE! -- Available until March 31, 2010 on convenience check cash advances or any Non-RFCU credit balances you transfer to your RFCU Classic Visa! Submit your balance transfer request here!
- Low fixed 13.90% Annual Percentage Rate on Purchases
- Credit lines from $300 to $10,000
Visa Platinum Credit Card
- NO ANNUAL FEE!
- LOW BALANCE TRANSFER RATE - Low fixed 6.00% Annual Percentage Rate* for LIFE! Submit your balance transfer request here!
- Low fixed 9.90% Annual Percentage Rate on Purchases
- Credit lines from $7,500 to $15,000
- CASH REWARDS - With our CashRewards Program, it's easy to put money back in your pocket. Just use your RFCU Platinum Visa credit card every time you shop. For each qualified purchase** you make, you'll receive an ANNUAL cash reward. The more you use your card, the greater the reward!
*Annual Percentage Rate (APR) as of January 1, 2010 is available for a limited time. This offer may be withdrawn at any time and is subject to change. Account must be in good standing to qualify. Maximum balance transfer up to $6,000 or remaining available balance (whichever is lower). One $6,000 balance transfer per account.The current balance transfer rate will apply to any transfer over $6,000.
**Qualified purchases do not include PIN-based purchases, cash advances, balances transfers, convenience checks, or returns. CashRewards are posted to the account annually. Account must be open and clear, not cancelled, terminated or delinquent at the time each year CashRewards are posted to the account.
2009 CashRewards Program Payment Tier:
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Yearly Purchases
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CashRewards bonus
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$2,000 to $5,000
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.10%
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$5,001 to $10,000
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.25%
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$10,001 to $25,000
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.50%
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$25,001 to $100,000
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1.00%
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CashRewards Rules
- Every dollar in purchases you make with your Rockland Federal Credit Union credit card to your Visa Platinum account covered by the CashRewards Program ("Program") and that appears on your statement during the Program period, earns CashRewards credit as provided in these Rules, under Rockland Federal Credit Union's most current CashRewards schedule. CashRewards is earned with purchases made by you beginning on the first day in which your Program begins and is posted to your account through December 31st.
- Your periodic statement will normally include a year-to-date accounting total of your CashRewards credits but may be adjusted as provided for in these Rules. CashRewards credits will be deducted from your current total of credits earned for corresponding retail purchase returns posted to your card account.
- Your account must be open and clear (i.e. not cancelled, terminated, delinquent, or otherwise not available to use for charges) at the time each year CashRewards are posted to your account or when CashRewards rebate checks are mailed by Rockland Federal Credit Union. Otherwise, your CashRewards credit will be forfeited. CashRewards credits are not exchangeable or transferable.
- This program may be modified, suspended or cancelled at any time without restriction or penalty. CashRewards credit may be forfeited due to violations of these Rules. This Program is void where prohibited or restricted by law. You are responsible for any federal, state or local income or other taxes.
- Despite our best efforts to ensure accuracy, printing errors involving the Program occasionally occur. We reserve the right to correct such errors at any time even if it affects CashRewards credits already posted to your account.
- Maximum payout $1,000.00
Transfer Balances and Save!
It's easy to transfer balances to your RFCU Visa Credit Card --- the process is easy!
If you already have a RFCU Visa Credit Card, either Classic or Platinum, and would like to transfer a balance (up to your available credit limit), simply complete the Visa Convenience Check Request Form and press SUBMIT. Three convenience checks will be mailed to the address we have on file for you. Once you receive the convenience checks, simply make them payable to the company whose balance you want to transfer and mail them as you would any other payment.
If you are applying for a new RFCU Visa Credit Card, first complete the Visa Loan Application.
Mortgages
Whether you're planning to purchase a new home or refinancing -- we have the mortgage for you. We offer competitive fixed rates and flexible terms of 10, 15, 20, 30 and 40 years on one to four family owner occupied properties.Call the Mortgage Department at (781)878-0232 or (800)562-7328 ext 135 for more information.
Click here for our current rates and terms.
Click here to visit our Mortgage Center and apply Online.
- 60 Day Rate Lock available at application or while loan is in process.
- Rate lock fee required upon submission of application.
- All interest rates and terms are subject to change
without notice. - Any mortgage loan request with a higher loan to value
than 80% requires Private Mortgage Insurance coverage at an additional
cost. Please contact a lending representative for specific costs. - Local servicing provided for your convenience.
Home Equity Options
Use the equity in your home as a smart way to manage your finances. Choose our Home Equity Line of Credit or our Home Equity Loan, whichever is best for you.
- No points or closing costs!*
- No annual fee
Click here for our current rates and terms.
To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.
*If borrower terminates the loan or line of credit and requests a discharge of the mortgage within 36 months from the date of the agreement, the borrower will be obligated to reimburse Rockland Federal Credit Union the full amount of closing costs. We finance 1-4 family owner-occupied homes for applicants who live or work in Plymouth, Norfolk, Suffolk, Bristol, Barnstable or Middlesex Counties. Minimum Home Equity Loan or Line is $10,000. Not available for homes currently for sale or intended to be sold within 6 months of closing. Property Insurance required, Flood Insurance may be required. Consult your tax advisor regarding the deductibility of interest. Please be advised that the Credit Union will not finance properties in trust and/or in cases where the first mortgage is an adjustable rate mortgage with a negative amortization.
Home Equity Line of Credit
If you want the flexibility of ready cash to remodel your home, consolidate your debt, buy a new car or manage unexpected expenses a home equity line of credit may be the best option for you.- Check access for an easy hassle-free way to get the cash you need
- Payments of interest only for the first ten years
The rate will be equal to the Wall Street Journal Prime Lending Rate as published in the Wall Street Journal at the beginning of each monthly billing cycle. This is a variable rate, subject to change. The minimum annual percentage rate (APR) is never lower than 4%, and the maximum annual percentage rate (APR) is never greater than 18%. Property insurance and flood insurance, if applicable is required.
Click here for our current rates and terms.
To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.
Home Equity Loan
If you have a specific purpose in mind for a home remodeling project, purchase or debt consolidation and want the security of predictable monthly payments and knowing when the loan will be paid off a home equity loan may be the best option for you.- 5, 10, or 15 year terms available
- Low Fixed Rate for the life of the loan
- Fixed Payment amount for the life of the loan
Click here for our current rates and terms.
To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.
