Rio Grande Credit Union
Rio Grande Credit Union
Rates

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Loan Rates


Car Loan Rates

Vehicle Loans
Effective Date: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
8.24% 36 Months $628.94
8.74% 48 Months $495.24
9.24% 60 Months $417.50
9.49% 72 Months $365.39
10.14% 84 Months $333.47
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: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
8.24% 36 $628.94
8.74% 48 $495.24
9.24% 60 $417.50
9.49% 72 $365.39
10.14% 84 $333.47
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: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
7.74% 36 Months $624.33
8.24% 48 Months $490.51
8.74% 60 Months $412.65
8.99% 72 Months $360.41
9.64% 84 Months $328.32
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: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
8.52% 36 Months $631.54
8.77% 48 Months $495.52
9.02% 60 Months $415.36
9.27% 72 Months $363.20
9.77% 84 Months $329.65
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: Tuesday, March 19th, 2024
TermAPR As Low AsLoan AmountApprox 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: Tuesday, March 19th, 2024
APR As Low AsTermApprox 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: Tuesday, March 19th, 2024
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, March 19th, 2024
APRTerm
7.00% 3 Months
7.50% 6 Months
7.90% 12 Months
7.25% 24 Months
7.25% 36 Months
6.20% 48 Months
6.20% 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, March 19th, 2024
TypeAPR RangeNotesFeatures
Visa® Platinum Rewards 15.24% 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 13.24% 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 16.50% 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: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
7.50% 120 Months $237.40
7.88% 180 Months $189.69
8.50% 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: Tuesday, March 19th, 2024
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
9.00% 240 Months $179.95

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 8.50% as of 07/27/2023.

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, if requested by borrower. 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, March 19th, 2024
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, March 19th, 2024
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$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: Tuesday, March 19th, 2024
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$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: Tuesday, March 19th, 2024
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$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: Tuesday, March 19th, 2024
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$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: Tuesday, March 19th, 2024
BalanceAPY
Less than $500 2.02%
$500 - $1000.00 2.02%
$1,000.01 - $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.


Money Market Rates

Investors Club Account
Effective Date: Tuesday, March 19th, 2024
Minimum Balance to Open AccountMinimum Balance to Earn DividendsDividend RateAPY
$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 1.75% 1.76%
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

Special Share Certificates
Effective Date: Tuesday, March 19th, 2024
TermMinimum Balance to Open CertificateDividend RateAPY
7 Months $500 5.15% 5.27%
13 Months $500 5.35% 5.48%

Limited Time Only

APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Limited time only. 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. 

Share Certificates
Effective Date: Tuesday, March 19th, 2024
TermMinimum Balance to Open CertificateDividend RateAPY
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. 


IRA Rates

Special Share Certificates
Effective Date: Tuesday, March 19th, 2024
TermMinimum Balance to Open CertificateDividend RateAPY
7 Months $500 5.15% 5.27%
13 Months $500 5.35% 5.48%

Limited Time Only

APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate. Limited time only. 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 Share Certificates
Effective Date: Tuesday, March 19th, 2024
TermMinimum Balance to Open CertificateDividend RateAPY
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. 

IRA Savings Accounts
Effective Date: Tuesday, March 19th, 2024
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, March 19th, 2024
BalanceDividend RateAPY
$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: Tuesday, March 19th, 2024
BalanceDividend RateAPY
$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: Tuesday, March 19th, 2024
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, March 19th, 2024
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.

 

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