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Rates

Rates

Rates effective as of September 1, 2014

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Deposit Rates

Term Certificates and IRAs**

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APY = Annual Percentage Yield effective September 1, 2014.

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 $500.00.

*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.

***Available to "active RFCU checking account users." To be considered an active user, you must meet one of the following conditions 45 days prior to the dividend period: 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.  IRAs excluded.


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Savings Accounts

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APY = Annual Percentage Yield effective August 1, 2014

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).

*High Yield Reward Savings-personal accounts only. To qualify for the higher yield you must maintain an average balance of $5.00 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.


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Checking Accounts

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APY = Annual Percentage Yield effective August 1, 2014

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).

±This account type has been discontinued. New accounts are not available.


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Loan Rates

Auto Loans

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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.

*APR = Annual Percentage Rate (APR) shown represents the lowest rate currently available as of August 1, 2014 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.

**This sample payment is based on the maximum term available.

N/A = Not available


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Consumer Loans

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*APR = Annual Percentage Rate shown represents lowest rate currently available as of December 1, 2012 and is subject to change.

**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%.


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Mortgages

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*APR = Annual Percentage Rate effective July 17, 2014. 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 Mortgages


*APR = Annual Percentage Rate effective May 16, 2014. 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


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Equity Lines and Loans

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Prime Rate 3.25% effective December 17, 2008

*APR = Annual Percentage Rate effective June 1, 2014

**This sample payment is based on the maximum term available.


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