Video Banking from POPIO VideoCONNECT
Rio Grande Credit Union
Rio Grande Credit Union
Rates

Better rates. Lower fees.

Helping make your dreams come true.

Home > Better Rates at Rio Grande Credit Union

Loan Rates


Car Loan Rates

Vehicle Loans
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
1.89% 36 Months $571.89
2.29% 48 Months $436.44
2.39% 60 Months $353.98
2.59% 72 Months $300.22
2.99% 84 Months $264.18
APR=Annual Percentage Rate, effective for current and past six model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $25,000. Maximum term for vehicles under $10,000 is 48 months.


Auto Refinance Rates

Auto Refinance Rates
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
1.89% 36 $571.89
2.29% 48 $436.44
2.39% 60 $353.98
2.59% 72 $300.22
2.99% 84 $264.18
APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $25,000. Maximum term for vehicles under $10,000 is 48 months.


Fuel Efficient Loan Rates

Fuel Efficient Vehicle Loans
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
1.64% 36 Months $569.71
2.04% 48 Months $434.25
2.14% 60 Months $351.78
2.34% 72 Months $298.00
2.74% 84 Months $261.93
APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $25,000. Maximum term for vehicles under $10,000 is 48 months.


Motorcycle Loan Rates

Motorcycle Loans
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
4.74% 36 Months $597.09
4.99% 48 Months $460.50
5.24% 60 Months $379.63
5.49% 72 Months $326.66
5.99% 84 Months $292.08
APR=Annual Percentage Rate, effective for current and past six model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $25,000. Maximum term for vehicles under $10,000 is 48 months.


RV Loan Rates

RV Loans - Moderate Price
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($40,000 Loan)
4.89% 48 Months $919.18
5.39% 60 Months $762.02
5.79% 72 Months $658.96
5.99% 84 Months $584.15

RV Loans - Higher Price
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($75,000 Loan)
6.89% 96 Months $1,018.43
7.39% 120 Months $885.96
7.89% 144 Months $807.32
7.99% 180 Months $716.31
APR=Annual Percentage Rate, effective for current and past six model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 73-84 month financing available on vehicles over $25,000. Maximum term for vehicles under $10,000 is 48 months.


Personal Loan Rates

Signature Loans
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($2,000 Loan)
6.49% 12 Months $172.58
6.99% 24 Months $89.54
7.99% 36 Months $62.66
8.99% 48 Months $49.76
9.99% 60 Months $42.48
10.99% 72 Months $38.06
11.99% 84 Months $35.29
APR=Annual Percentage Rate. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history  and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty.

Share Secured Loans
Effective Date: Tuesday, January 26th, 2021
APRTerm
3.60% 6 Months
3.60% 12 Months
3.60% 24 Months
3.60% 36 Months
APR=Annual Percentage Rate. Rates are subject to change at any time without notice. Actual interest rate charged is based on terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Share Secured Loan rates are calculated by adding 3.50% to the current Share rate. Payment example: $86.58 per month for 24 months for $2,000 borrowed at 3.70% APR.

Certificate Secured Loans
Effective Date: Tuesday, January 26th, 2021
APRTerm
3.30% 3 Months
3.35% 6 Months
3.65% 12 Months
3.00% 18 Months
3.80% 24 Months
3.90% 36 Months
4.00% 48 Months
4.11% 60 Months
APR=Annual Percentage Rate. Rates are subject to change at any time without notice. Actual interest rate charged is based on terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Share Certificate Secured Loans are calculated by adding 3.00% to the current Certificate rate. Payment example: $87.67 per month for 24 months for $2,000 borrowed at 4.92% APR.


Credit Card Rates

Credit Cards
Effective Date: Tuesday, January 26th, 2021
TypeAPRNotesFeatures
Visa® Platinum Rewards 11.49% APR - 17.99% APR, depending on your creditworthiness.  This APR will vary with the market based on the Prime Rate. Earn rewards on purchases. No annual fee, no balance transfer fee, no cash advance fee.
Visa® Platinum 9.49% APR - 17.49% APR, depending on your creditworthiness.  This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee.
Visa® Secured 12.75% APR. This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee.
1APR = = Annual Percentage Rate. No penalty APR. 1% international transaction fee. Up to $25 late payment fee, up to $26 returned payment fee. Check with RGCU for additional details.


Home Equity Rates

Home Equity Loans
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
5.39% 120 Months $215.96
5.64% 180 Months $164.91
5.89% 240 Months $142.02
Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. Maximum loan amount is $200,000 and maximum LTV is 80%. Loans are subject to cost of property appraisal, flood certification, recording fees, and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners insurance and, if required, flood insurance. 

Home Equity Lines of Credit
Effective Date: Tuesday, January 26th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
4.24% 180 Months $150.35

Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Home Equity Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th of the month for the preceding three months and is subject to change monthly. The index is 3.25% as of 03/17/2020.

Your home equity line of credit rate may change on January 1 and July 1 as stated in your Mortgage Disclosure. The maximum rate that can be charged on a home equity line of credit is 17.99% APR. There are no application fees. Loans are subject to cost of origination, property appraisal, flood certification, recording fees, and title insurance, which generally range from $1,400 to $1,600. Borrower is responsible for homeowners insurance and, if required, flood insurance.

Please consult your tax advisor about the deductibility of interest.

 

Savings Rates


Regular Savings Account Rates

Primary Savings
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$5.00 $25.00 - $999.99 0.10% 0.10%
$5.00 $1,000 and Above 0.15% 0.15%
APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.

Secondary Savings
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$5.00 $25.00 - $999.99 0.10% 0.10%
$5.00 $1,000 and Above 0.15% 0.15%
APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


Club Account Rates

Vacation Club
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$25.00 $25.00 0.30% 0.30%
APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.

Rainy Day Club
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$25.00 $25.00 0.30% 0.30%
APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.

Christmas Club
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$25.00 $25.00 0.30% 0.30%
APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


Checking Dividend Rates

Zia Checking
Effective Date: Tuesday, January 26th, 2021
BalanceAPY

Checking account benefits. Money market rates.

Less than $500 0.00%
$500 - $999.99 0.20%
$1,000 - $9,999.99 0.20%
$10,000 - $24,999.99 0.30%
$25,000 - $49,999.99 0.40%
$50,000 and Above 0.50%
Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APYs are subject to change without notice. Certain restrictions apply. Dividends are compounded monthly.


Money Market Rates

Investors Club Account
Effective Date: Tuesday, January 26th, 2021
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$25.00 $1,000.00 - $9,999.99 0.10% 0.10%
$25.00 $10,000.00 - $24,999.99 0.15% 0.15%
$25.00 $25,000.00 - $49,999.99 0.20% 0.20%
$25.00 $50,000.00 & More 0.35% 0.35%
Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


Share Certificate Rates

Regular Share Certificates
Effective Date: Tuesday, January 26th, 2021
TermMinimum Balance to Open CertificateDividend RateAPY
3 Months $500.00 0.30% 0.30%
6 Months $500.00 0.35% 0.35%
12 Months $500.00 0.65% 0.65%
24 Months $500.00 0.80% 0.80%
36 Months $500.00 0.90% 0.90%
48 Months $500.00 1.00% 1.00%
60 Months $500.00 1.10% 1.11%
APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Rates are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings. 

Jumbo Share Certificates
Effective Date: Tuesday, January 26th, 2021
TermMinimum Balance to Open CertificateDividend RateAPY
3 Months $25,000.00 0.35% 0.35%
6 Months $25,000.00 0.40% 0.40%
12 Months $25,000.00 0.75% 0.75%
24 Months $25,000.00 0.85% 0.85%
36 Months $25,000.00 1.10% 1.11%
48 Months $25,000.00 1.15% 1.16%
60 Months $25,000.00 1.20% 1.21%
APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Rates are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings. 


IRA Rates

Regular IRA Share Certificates
Effective Date: Tuesday, January 26th, 2021
TermMinimum Balance to Open CertificateDividend RateAPY
3 Months $500.00 0.65% 0.65%
6 Months $500.00 1.00% 1.00%
12 Months $500.00 1.85% 1.87%
18 Months $500.00 1.80% 1.81%
24 Months $500.00 1.95% 1.97%
36 Months $500.00 2.05% 2.07%
48 Months $500.00 2.05% 2.07%
60 Months $500.00 2.05% 2.07%
APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Rates are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings. 

Jumbo IRA Share Certificates
Effective Date: Tuesday, January 26th, 2021
TermMinimum Balance to Open CertificateDividend RateAPY
3 Months $25,000.00 0.75% 0.75%
6 Months $25,000.00 1.10% 1.11%
12 Months $25,000.00 1.95% 1.97%
18 Months $25,000.00 1.90% 1.92%
24 Months $25,000.00 2.05% 2.07%
36 Months $25,000.00 2.15% 2.17%
48 Months $25,000.00 2.15% 2.17%
60 Months $25,000.00 2.15% 2.17%
APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Rates are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings. 

IRA Savings Accounts
Effective Date: Tuesday, January 26th, 2021
Share (Savings) AccountsMinimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
Roth IRA Savings $0.00 $25.00 0.60% 0.60%
Traditional IRA Savings $0.00 $25.00 0.60% 0.60%
Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.

 

Youth Savings Rates


Kirby Kangaroo Savings Account Rates

Kirby Kangaroo Savings
Effective Date: Tuesday, January 26th, 2021
BalanceDividend RateAPY
$5.00 - $24.99 0.00% 0.00%
$25.00 - $499.99 0.30% 0.30%
$500.00 and Greater 0.30% 0.30%
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


CU Succeed Savings Rates

CU Succeed Savings
Effective Date: Tuesday, January 26th, 2021
BalanceDividend RateAPY
$5.00 - $24.99 0.00% 0.00%
$25.00 - $499.99 0.35% 0.35%
$500.00 and Greater 0.35% 0.35%
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


CU Succeed Checking Dividend Rates

CU Succeed Checking
Effective Date: Tuesday, January 26th, 2021
BalanceDividend RateAPY
$0.00 - $24.99 0.00% 0.00%
$25.00 and Greater 0.20% 0.20%
Account requires $25.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.


Prosperity Kids Savings Rates

Prosperity Kids Savings
Effective Date: Tuesday, January 26th, 2021
BalanceDividend RateAPY
$25.00 and Greater 0.35% 0.35%
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.

 

Service Charges


Checking Accounts

Checking Accounts
Effective Date: Tuesday, January 26th, 2021
DescriptionService Charge
Non-sufficient funds (NSF) $25.00/item
Overdraft $25.00/item
Return Item $25.00/item
Stop Payment $18.50/request
Zia Checking monthly maintenance $7.00/month


Electronic Funds Transfer (EFT)

Electronic Funds Transfer (EFT)
Effective Date: Tuesday, January 26th, 2021
DescriptionService Charge
ACH NSF $25.00/item
ACH Overdraft $25.00/item
ATM Withdrawal/Transfer (Out of Network) Surcharge Fee plus $1.00
Card Replacement $5.00/card
Debit Card/ATM Card Overdraft $25.00/item


Plastic Cards

Plastic Card Service Charges
Effective Date: Tuesday, January 26th, 2021
DescriptionService Charge
Debit, ATM, and Credit Card Replacement $5.00/card
Debit, ATM, and Credit Card Replacement - Expedited $35.00/Card minimum rate increase based on location
Gift Cards ($10-$100) $1.50
  ($101-$200) $2.00
  ($201-$300) $2.50
  ($301-$500) 3.00
Travel Money Card $5.00


Other Services

Other Service Charges
Effective Date: Tuesday, January 26th, 2021
DescriptionService Charge
Account Reconciliation $20.00/hour ($20 minimum charge)
Account Research $20.00/hour ($20 minimum charge)
Automatic Transfer No Charge
Cashier's Check $2.00/check
Coin Counter 3% of deposit (member)
  9% of deposit (non-member)
Copy Fee $0.25/page
Declaration of Loss (Money Order / Cashier's Check) $18.50/request
Deposit Item Return $25.00/item
Dormant Account $5.00/quarter
Duplicate Title Fee $45.00
Gift Checks (From Online Banking) $1.99/check
Item Sent for Collection $10.00/item
Lien Filing Fee $35.00
Loan Payment by Phone / IVR / Website $10.00
Low Balance $3.00/month
Out of State Lien Filing Fee $300.00
Return Mail (Bad Address) $5.00/quarter
Safe Deposit Box Annual Rental $20.00 (3"x5")
  $30.00 (5"x5")
  $40.00 (3"x10")
  $50.00 (5"x10")
  $75.00 (10"x10")
Safe Deposit Box Lost Keys / Abandoned Box $200.00/lock drillout
Shared Branching $2.00/transaction*
Shared Branching Returned Item $35.00/item
Skip a Loan Payment $20.00
Statement Fee (Mailed) $2.00/statement Roadrunner Checking
Wire Transfer (Domestic) $15.00/transfer
Wire Transfer (International) $50.00/transfer
*Fee applies after first four visits per month within Valencia, Bernalillo, and Sandoval counties. Excludes deposits and loan payments.


Mortgages

Mortgage Service Charges
Effective Date: Tuesday, January 26th, 2021
DescriptionPortfolio 1st MortgageHome Equity LoanHELOC
Credit Report $50.00 $50.00 $50.00
Document Preparation $150.00 $150.00 $150.00
Flood Certification $15.00 $15.00 $15.00
HELOC Annual Maintenance N/A N/A $0.00
Insurance Coverage $35.00 $35.00 $35.00
Origination Charge $600.00 $475.00 $475.00
Owner Occupied Appraisal - Loans Over $50,000 $600.00 $600.00 $600.00
Non-Owner Occupied Appraisal - Loans Over $50,000 $650.00 $650.00 N/A
Payoff Fee $50.00 $50.00 $50.00
Rate Modification 0.5% of loan balance with cap of $1,000.00 0.5% of loan balance with cap of $1,000.00 N/A
Subordinate Fee $50.00 $50.00 $50.00
Wire Transfer $15.00 $15.00 $15.00