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Rio Grande Credit Union
Rio Grande Credit Union ESPAÑOL
Rio Grande Credit Union Go to main content

If you are looking for a great rate, look no further.

As a credit union member take advantage of low loan rates and high savings rates.

Loan Rates

There's no better place to borrow! Rio Grande Credit Union provides loans to members for a variety of worthwhile purposes. Our interest rates are always very competitive with, or better than, other financial institutions.

Cars and Trucks
Effective Date: January 5, 2017
NameTermAPR

Vehicles less than 7 model years old

36-84 Months* 1.74%** 20.24%

Vehicles 7 model years and older

36-84 Months* 2.74%** 21.24%

Motorcycle Rates
Effective Date: January 5, 2017
NameTermAPR
Motorcycles 36-84 Months* 3.64%** 21.14%

Recreational Vehicles
Effective Date: January 5, 2017
NameTermAPR
New and Used 48-144 Months*** 4.74%** 17.24%

Other Loans
Effective Date: Sunday, May 28th, 2017
NameTermAPR
Signature (Personal) 12-36 Months 8.99%** 23.49%
CD Secured 60 Months Maximum Current rate + 3.00%
Share or Investors Club 36 Months Maximum Current rate + 3.50%

Mortgage Loans
Effective Date: Sunday, May 28th, 2017
NameTermAPR
1st Mortgage 10-20 Years 3.49%┼ 10.24%
2nd Mortgage (fixed) 10-20 Years 5.49%┼ 13.49%
Home Equity Line of Credit 15 Years 4.99%┼ ┼ 10.99%

 

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 The Wall Street Journal on the 15th of the month for the preceding three months and is subject to change monthly.    

 

Credit Card Rates

Have we mentioned our rates are some of the most competitive in our market? Plus, our Visa credit cards offer one rate for all transactions, purchases, balance transfers and cash advances. Check them out below.

Credit Card Rates

Savings Accounts, Checking Accounts, Share Certificates (CDs) and IRA Rates

Speak with a Rio Grande Credit Union representative today for full details about our great savings and our checking products. We have the right account for you! No matter the account, RGCU’s deposit rates may give you a competitive return on your investment.

Share (Savings) Accounts
Effective Date: January 5, 2017
Share (Savings) AccountsMinimum Balance to Open AccountMinimum Balance* to Earn DividendsDividend RateAPY**
Regular Share Account $5.00 $25.00 - $999.99 0.10% 0.10%
  $5.00 $1,000.00 & More 0.20% 0.20%
Basic Share Account $5.00 No Dividends Paid 0.00% 0.00%
Kirby Kangaroo Share Account $5.00 $25.00 0.20% 0.20%
CU Succeed Share Account $5.00 $25.00 0.25% 0.25%
Prosperity Kids Share Account $5.00 $25.00 0.25% 0.25%
Secondary Share Account $5.00 $25.00 - $999.99 0.10% 0.10%
  $5.00 $1,000.00 & More 0.20% 0.20%
Investors Club Account $5.00 $1,000.00 - $9,999.99 0.25% 0.25%
  $25.00 $10,000.00 - $24,999.99 0.25% 0.25%
  $25.00 $25,000.00 - $49,999.99 0.35% 0.35%
  $25.00 $50,000.00 & More 0.45% 0.45%
Christmas Club Account $25.00 $25.00 0.20% 0.20%
Vacation Club Account $25.00 $25.00 0.20% 0.20%
Traditional IRA $0.00 $25.00 0.50% 0.50%
Roth IRA $0.00 $25.00 0.50% 0.50%
Rainy Day Club Account $25.00 $25.00 0.20% 0.20%
*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.

Checking Accounts
Effective Date: January 5, 2017
Checking AccountMinimum Balance to Open AccountMinimum Balance* to Earn DividendsDividend RateAPY**
Roadrunner Checking Account $50.00 No Dividends Paid 0.00% 0.00%
Zia Checking Account $50.00 $200.00 0.20% 0.20%
CU Succeed Checking Account $50.00 $0.00 0.20% 0.20%
NextGEN Checking Account $50.00 No Dividends Paid 0.00% 0.00%
Golden Checking Account $50.00 $200.00 0.20% 0.20%

Regular Share Certificates & IRA Share Certificates
Effective Date: January 5, 2017
TermMinimum Balance to Open CertificateAPY**
3 Months $500.00 0.45%
6 Months $500.00 0.55%
12 Months $500.00 0.70%
18 Months $500.00 1.00%
24 Months $500.00 1.15%
36 Months $500.00 1.35%
48 Months $500.00 1.80%
60 Months $500.00 2.05%
*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.

Jumbo Share Certificates & IRA Share Certificates
Effective Date: January 5, 2017
TermMinimum Balance to Open CertificateAPY**
3 Months $25,000.00 0.55%
6 Months $25,000.00 0.65%
12 Months $25,000.00 0.80%
18 Months $25,000.00 1.10%
24 Months $25,000.00 1.25%
36 Months $25,000.00 1.45%
48 Months $25,000.00 1.90%
60 Months $25,000.00 2.15%
*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.

Fees

As a credit union, we are committed to keeping our service fees affordable.

FEES SCHEDULE

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