Loan Rates
Car Loan Rates
| Vehicle Loans | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 4.99% | 36 Months | $599.33 |
| 5.89% | 48 Months | $468.69 |
| 6.39% | 60 Months | $390.29 |
| 6.69% | 72 Months | $338.01 |
| 6.99% | 84 Months | $301.76 |
| APR=Annual Percentage Rate, effective for current and past three 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 $20,000. Maximum term for vehicles under $10,000 is 48 months. | ||
Auto Refinance Rates
| Auto Refinance Rates | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 4.99% | 36 | $599.33 |
| 5.89% | 48 | $468.69 |
| 6.39% | 60 | $390.29 |
| 6.69% | 72 | $338.01 |
| 6.99% | 84 | $301.76 |
| 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. Rates good for current and past three model years. Great rates available for older models. 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 $20,000. Maximum term for vehicles under $10,000 is 48 months. | ||
Fuel Efficient Loan Rates
| Fuel Efficient Vehicle Loans | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 4.99% | 36 Months | $599.33 |
| 5.89% | 48 Months | $468.69 |
| 6.39% | 60 Months | $390.29 |
| 6.69% | 72 Months | $338.01 |
| 6.99% | 84 Months | $301.76 |
| 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. Rates good for current and past three model years. Great rates available for older models as well. 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 $20,000. Maximum term for vehicles under $10,000 is 48 months. | ||
Motorcycle Loan Rates
| Motorcycle Loans | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 8.52% | 36 Months | $473.65 |
| 8.77% | 48 Months | $371.60 |
| 9.02% | 60 Months | $311.52 |
| 9.27% | 72 Months | $270.38 |
| 9.77% | 84 Months | $247.24 |
| 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 $20,000. Maximum term for vehicles under $10,000 is 48 months. | ||
RV and Boat Loan Rates
| RV and Boat Loans | |||
| Effective Date: Friday, July 11th, 2025 | |||
| Term | APR As Low As | Loan Amount | Approx Monthly Payment |
| 48 Months | 9.53% | $25,000 | $628.44 |
| 60 Months | 10.03% | $25,000 | $531.55 |
| 72 Months | 10.43% | $25,000 | $468.59 |
| 84 Months | 10.63% | $50,000 | $423.21 |
| 96 Months | 11.53% | $50,000 | $799.79 |
| 120 Months | 12.03% | $75,000 | $1077.33 |
| 144 Months | 12.53% | $75,000 | $1009.27 |
| 180 Months | 12.63% | $75,000 | $930.75 |
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. Maximum term for vehicles under $10,000 is 48 months. Loans $25,000 and less can finance up to 72 months. Loans $25,000-$50,000 can finance up to 96 months. Loans $50,000-$75,000 can finance up to 144 months. Loans greater than $75,000 can finance up to 180 months. | |||
Personal Loan Rates
| Signature Loans | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($2,000 Loan) |
| 9.99% | 12 Months | $175.82 |
| 9.99% | 24 Months | $92.28 |
| 10.75% | 36 Months | $65.24 |
| 11.50% | 48 Months | $52.18 |
| 12.50% | 60 Months | $45.00 |
| 14.24% | 72 Months | $41.47 |
| 14.74% | 84 Months | $38.30 |
| 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: Friday, July 11th, 2025 | |
| APR | Term |
| 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: Friday, July 11th, 2025 | |
| APR | Term |
| 6.47% | 3 Months |
| 7.00% | 6 Months |
| 7.00% | 12 Months |
| 6.65% | 24 Months |
| 6.35% | 36 Months |
| 6.30% | 48 Months |
| 6.30% | 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: Friday, July 11th, 2025 | |||
| Type | APR Range | Notes | Features |
| Visa® Platinum Rewards | 12.74% APR - 17.99% APR Learn more here. |
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 | 14.74% APR - 17.99% APR Learn more here. |
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 | 16.00% APR Learn more here. |
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: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 7.00% | 120 Months | $237.40 |
| 7.25% | 180 Months | $189.69 |
| 7.75% | 240 Months | $173.56 |
| 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. APR quoted for loan amounts up to $149,999. Call for APR on loans of $150,000 or more. Borrower is responsible for homeowners insurance and, if required, flood insurance. | ||
| Home Equity Lines of Credit | ||
| Effective Date: Friday, July 11th, 2025 | ||
| APR As Low As | Term | Approx Monthly Payment ($20,000 Loan) |
| 8.00% | 240 Months | $167.29 |
The payment reflected on calculator is principal and interest over the 20-year term but that members can opt to make interest only payments through the first 10-years. 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 8.00% as of 12/19/2024. Your home equity line of credit rate may change monthly as stated in your Mortgage Disclosure. The maximum rate that can be charged on a home equity line of credit is 18.00% APR. There are no application fees. Loans are subject to a loan origination fee of $250. 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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $25.00 | $25.00 - $999.99 | 0.10% | 0.10% |
| $25.00 | $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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $5.00 | $25.00 | 1.00% | 1.00% |
| 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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $5.00 | $25.00 | 1.00% | 1.00% |
| 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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $5.00 | $25.00 | 1.00% | 1.00% |
| 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: Friday, July 11th, 2025 | |
| Balance | APY |
| Less than $500 | .75% |
| $500 - $999.99 | .75% |
| $1,000.00 - $9,999.99 | .75% |
| $10,000.00 - $24,999.99 | .75% |
| $25,000.00 - $49,999.99 | .75% |
| $50,000.00 and Above | .75% |
| 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: Friday, July 11th, 2025 | |||
| Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| $5.00 | $1,000.00 - $9,999.99 | 0.25% | 0.25% |
| $10,000.00 - $24,999.99 | 1.50% | 1.51% | |
| $25,000.00 - $49,999.99 | 1.50% | 1.51% | |
| $50,000.00 & More | 1.52% | 1.53% | |
| 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
| Share Certificates | |||
| Effective Date: Friday, July 11th, 2025 | |||
| Term | Minimum Balance to Open Certificate | Dividend Rate | APY |
| 3 Months | $500.00 | 3.47% | 3.53% |
| 6 Months | $500.00 | 4.00% | 4.07% |
| 12 Months | $500.00 | 4.00% | 4.07% |
| 24 Months | $500.00 | 3.65% | 3.71% |
| 36 Months | $500.00 | 3.35% | 3.40% |
| 48 Months | $500.00 | 3.30% | 3.35% |
| 60 Months | $500.00 | 3.30% | 3.35% |
| 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
| Special Share Certificates | |||
| Effective Date: Friday, July 11th, 2025 | |||
| Term | Minimum Balance to Open Certificate | Dividend Rate | APY |
| No rates found. | |||
| IRA Share Certificates | |||
| Effective Date: Friday, July 11th, 2025 | |||
| Term | Minimum Balance to Open Certificate | Dividend Rate | APY |
| 3 Months | $500.00 | 3.47% | 3.53% |
| 6 Months | $500.00 | 4.00% | 4.07% |
| 12 Months | $500.00 | 4.00% | 4.07% |
| 24 Months | $500.00 | 3.65% | 3.71% |
| 36 Months | $500.00 | 3.35% | 3.40% |
| 48 Months | $500.00 | 3.30% | 3.35% |
| 60 Months | $500.00 | 3.30% | 3.35% |
| 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: Friday, July 11th, 2025 | ||||
| Share (Savings) Accounts | Minimum Balance to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY |
| 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: Friday, July 11th, 2025 | ||
| Balance | Dividend Rate | APY |
| $5.00 - $24.99 | 0.00% | 0.00% |
| $25.00 - $499.99 | 3.00% | 3.04% |
| $500.00 and Greater | 0.50% | 0.50% |
| 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: Friday, July 11th, 2025 | ||
| Balance | Dividend Rate | APY |
| $5.00 - $24.99 | 0.00% | 0.00% |
| $25.00 - $499.99 | 3.00% | 3.04% |
| $500.00 and Greater | 0.50% | 0.50% |
| 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: Friday, July 11th, 2025 | ||
| Balance | Dividend Rate | APY |
| $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: Friday, July 11th, 2025 | ||
| Balance | Dividend Rate | APY |
| $25.00 and Greater | 0.50% | 0.50% |
| 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. | ||