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Rates effective as of July 1, 2009 APY = Annual Percentage Yield ***Annual Percentage Yield (APY) effective July 1, 2009. One time option to bump up the rate anytime during the life of the certificate. Bump Up rate will match rate currently in effect at time Bump Up option is exercised for the 24-month Bump Up certificate. Assumes interest is left to compound to maturity, new deposits only. The new rate will carry forward from the date of increase until original scheduled maturity and will not be retroactive. Bump up offer is limited to original term. Minimum deposit is $500.00. Maximum deposit is $100,000. Personal accounts only. Available for a limited time and is subject to change. Penalties may be imposed for early withdrawal of share certificates. Other rates and terms are available. Deposits are fully insured to the legally permissible deposit limits allowed by Massachusetts regulations. Rate is not available on IRAs. APY = Annual Percentage Yield *High Yield Reward Savings-personal accounts only. To qualify for the higher yield you must maintain an average balance of $15,000 in your High Yield Reward Savings account, receive an eStatement on this account and be an active RFCU checking account user (i.e. 45 days prior to the dividend period you must meet one of the following conditions: have recurring direct deposit of $100 or more into your checking account, make three or more debit card purchases or pay three or more bills online). ±This account type has been discontinued. New accounts are not available. APY = Annual Percentage Yield ±This account type has been discontinued. New accounts are not available. We will finance up to 100% of purchase price, plus warranties and sales tax on new vehicles. Up to 100% of NADA retail on used vehicles. Rates shown represent lowest rates currently available, and are for qualified applicants based on approved credit. Other rates are available, based on member's credit history. For additional terms and conditions, call our Member Information Center at 781-878-0232 or 1-800-562-7328. **This sample payment is based on the maximum term available. N/A = Not available *APR = Annual Percentage Rate **This sample payment is based on the maximum term available. ±Personal Loan rate shown represents lowest rate currently available. This rate is for qualified applicants based on approved credit. Other rates are available, based on member's credit history. ***Maximum APR is 18.00%. *APR = Annual Percentage Rate. Additional factors related to your credit and property may affect your actual rate and points. One to four family owner-occupied properties only. Maximum loan amount $417,000. Property insurance and flood insurance if applicable are required. *APR = Annual Percentage Rate. Additional factors related to your credit and property may affect your actual rate and points. One to four family owner-occupied properties only. Maximum loan amount $417,000. Property insurance and flood insurance if applicable are required. Adjustable Rate Mortgage interest rate and payments are fixed for the initial period of 5 years; thereafter the interest rate and payment will change and can move up or down as market conditions change. The interest rate on a 5/1 ARM is fixed for the initial 60 months and then adjusts every 12 months. Interest rate changes are subject to an annual adjustment cap of 2% and a lifetime cap of 6%, and a margin of 2.75% over the index. **This sample payment is based on the maximum term available Prime Rate 3.25% effective December 17, 2008 **This sample payment is based on the maximum term available.
Rates
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Term Certificates and IRAs**
Rates are subject to change on a daily basis. Penalties may be imposed for early withdrawal of term certificates. Fees may reduce the earnings on these accounts. Refer to RFCU's Truth-in-Savings Disclosure. Minimum balance to open an IRA is $25.00.
*Not available for IRAs.
**IRAs include Traditional, Roth or ESA Coverdell IRA contributions. Additional tax and penalty for early withdrawals made prior to age 59 1/2.
Savings Accounts
Rates are subject to change on a daily basis. Fees may reduce the earnings on these accounts. Refer to RFCU's Important Terms and Conditions (Including Electronic Funds Transfer and Funds Availability).
Checking Accounts
Rates are subject to change on a daily basis. Fees may reduce the earnings on these accounts. Refer to RFCU's Important Terms and Conditions (Including Electronic Funds Transfer and Funds Availability).
Loan Rates
Auto Loans
*APR = Annual Percentage Rate (APR) shown represents the lowest rate currently available as of July 1, 2009 and is subject to change. 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.
Consumer Loans
Mortgages
Adjustable Rate Mortgages
Equity Lines and Loans
*APR = Annual Percentage Rate
