All Rates

SAVINGS & CHECKING RATES
Effective Date: 8/1/2021
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeMinimumAPY
Regular and Special Savings  $200 0.10%
Basic Checking $0.00 0.00%
Checking Plus $1,000
$2,500
0.10%
0.15%
IRA Savings $0.00
$1,000
$5,000
0.15%
0.25%
0.50%
Daily Cash Account (DCA) $2,500
$5,000
$10,000
$25,000
0.20%
0.20%
0.25%
0.35%

CERTIFICATE RATES
Effective Date: 8/1/2021
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeTermMinimumAPY
VIP Certificate 3 months $10,000 0.15%
Certificate  6 months
12 months 
18 months
30 months
$1,000
$1,000
$1,000
$1,000
0.20% 
0.25%
0.30%
0.35%
IRA Certificate 24 months $1,000 0.50%
Head Start Youth Certificate1 6 months $25 0.40%
Save to Win Certificate 12 months $25 0.20%
1.Available to members through high school graduation. $1,000 maximum total deposit. 

NEW AND USED AUTO LOANS
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
Model YearTermAPR as low as
2018-2022 36 months 2.09%
2018-2022 60 months 2.49%
2018-2022 72 months 2.49%
2020-2022 (new only) 84 months 3.99%
2016-2017 60 months 2.99%
2012-2015 60 months 3.24%
Call 1-800-762-7419 or email loans@regionalfcu.org for motorcycle, boat and RV rates! 

PERSONAL LOANS
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TermAPR as low as
1-36 months 7.99%
36-60 months 7.99%

VISA PLATINUM CREDIT CARDS
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
CardAPR
Platinum with Rewards 8.90%
Platinum Elite 10.90%
Platinum 12.90%
Platinum Basic 14.90%

SECOND MORTGAGE LOANS
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TermAPR as low as
5 Year 4.00%
7 Year 4.50%
10 Year 5.00%
15 Year 5.05%

HOME EQUITY LINE OF CREDIT
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TypeAPR as low as
Variable rate line of credit 1.99%

OTHER LOANS
Effective Date: 11/1/2021
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TypeAPR as low as
Open End LOC/Overdraft Loan 8.00%
Share Pledge - Regular 4.00%
Share Pledge - DCA 4.50%
50/50 Loan 6.99%

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