si está buscando una buena tasa de interés, ya no busque más.
Como un socio del credit union, tome ventaja de nuestras bajas tasas de interés en préstamos y nuestras altas tasas en ahorros.
Tasas para Préstamos
¡No hay un mejor lugar para obtener su préstamo! Rio Grande Credit Union provee préstamos a socios para una variedad de propósitos importantes. Nuestras tasas de interés son siempre muy competitivas con, o mejores que, las de otras instituciones financieras (Solo en inglés)
| Other Loans | ||
| Effective Date: Friday, April 19th, 2024 | ||
| Name | Term | APR |
| Signature (Personal) | 12-48 Months | 9.04%** – 17.99% |
| CD Secured | 60 Months Maximum | Current rate + 3.00% |
| Share or Investors Club | 36 Months Maximum | Current rate + 3.50% |
| Mortgage Loans | ||
| Effective Date: Friday, April 19th, 2024 | ||
| Name | Term | APR |
| Conventional/FHA/VA 1st Mortgage | Up to 30 years | Call 505-999-2168 rates and availability |
| Portfolio 1st Mortgage | 10-20 Years | 3.39%┼ – 9.24% |
| 2nd Mortgage (fixed) | 10-20 Years | 5.39%┼ – 9.64% |
| Home Equity Line of Credit | 15 Years | 6.74%┼ ┼ – 7.74% |
Rates and Terms based on credit experience. Some restrictions may apply. All loans are subject to approval. Rates are subject to change without notice. APR is an abbreviation of the Annual Percentage Rate.
*73 – 84 month financing available on vehicles over $25,000.00. Member must qualify for 73 – 84 month financing . Maximum term for vehicles under $10,000 is 48 months.
**Includes an available 0.50% discount (0.50% for full payroll deposit and auto transfer to loan). Must have payroll deduction for automatic transfer set up at the time of the loan or qualify. Longer terms require a higher Annual Percentage Rate.
***RV maximum term of 180 months on vehicles over $75,000.
Ɨ Longer term requires a higher Annual Percentage Rate.
ƗƗ Rate is based on the Indexed Prime Rate as stated in The Wall Street Journal and the borrower’s credit experience. 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 18.00% APR. Home equity line of credit is a variable rate plan. Please consult your tax advisor about the deductibility of interest. A Mortgage Application Fee will apply.
The Prime Rate is the highest Prime Rate as published in the Money Rates section of Wall Street Journal on the 15th of the month for the preceding three months and is subject to change monthly.
Tasas paraTarjetas de Crédito
¿Hemos mencionado que nuestras tasas son de las más competitivas en el mercado? Además, nuestras tarjetas de crédito Visa ofrecen una tasa para todas las transacciones: compras, transferencias de balance y adelantos en efectivo. Véalas más abajo.
Tasas paraTarjetas de Crédito (Solo en inglés)
Tasas para Cuentas de Ahorros, Cuentas de Cheques, Certificados de Depósito (CDs) y IRAs
Hable con un representante de Rio Grande Credit Union hoy mismo para obtener todos los detalles sobre nuestros excelentes productos de ahorros y cheques. ¡Tenemos la cuenta ideal para usted! Sin importar la cuenta, las tasas de depósito de RGCU pueden darle un buen margen de retorno en sus inversiones. (Solo en inglés)
| Zia Checking | |
| Effective Date: Friday, April 19th, 2024 | |
| Balance | APY |
| Less than $500 | 2.02% |
| $500 - $999.99 | 2.02% |
| $1,000.00 - $10,000.00 | 2.02% |
| $10,000.01 - $24,999.99 | 2.02% |
| $25,000.00 - $49,999.99 | 2.02% |
| $50,000.00 and Above | 2.02% |
| 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. | |
| Share Certificates | |||
| Effective Date: Friday, April 19th, 2024 | |||
| Term | Minimum Balance to Open Certificate | Dividend Rate | APY |
| 3 Months | $500.00 | 4.00% | 4.07% |
| 6 Months | $500.00 | 4.50% | 4.59% |
| 12 Months | $500.00 | 4.90% | 5.01% |
| 24 Months | $500.00 | 4.25% | 4.33% |
| 36 Months | $500.00 | 4.25% | 4.33% |
| 48 Months | $500.00 | 3.20% | 3.25% |
| 60 Months | $500.00 | 3.20% | 3.25% |
| 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: Friday, April 19th, 2024 | |||
| Term | Minimum Balance to Open Certificate | Dividend Rate | APY |
| 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 | 1.15% | 1.16% |
| 48 Months | $25,000.00 | 1.20% | 1.21% |
| 60 Months | $25,000.00 | 1.30% | 1.31% |
| 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. | |||
Cargos
Como un credit union, estamos comprometidos a mantener los cargos por nuestros servicios económicos.
HOJA DE CARGOS (Solo en inglés)