One of the biggest differences between credit unions and banks is that credit unions are member owned. What does it mean to be member owned? It means that most of the income we make goes back into our members’ pockets! One of the ways we do that is by offering great rates on loans and savings accounts.
CHECK OUT OUR AWESOME RATES BELOW TO LEARN MORE!
Account Rates
Savings
| Interest Rate | Annual Percentage Yield (APY) | |
|---|---|---|
| Primary Savings | 0.15% | 0.15%** |
| Secondary Savings | 0.15% | 0.15%** |
**APY = Annual Percentage Yield. A $25 minimum deposit is required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account.
IRAs
| Interest Rate | Annual Percentage Yield (APY) | |
|---|---|---|
| IRA | 0.50% | 0.50%** |
**APY = Annual Percentage Yield. A $25 minimum deposit is required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account.
Health Savings Accounts (HSAs)
| Interest Rate | Annual Percentage Yield (APY) | |
|---|---|---|
| Health Savings Account | 0.15% | 0.15%** |
**APY = Annual Percentage Yield. A $25 minimum deposit is required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account.
Certificates (CDs)
| Minimum Deposit | 12 Mo. Interest Rate/Annual Percentage Yield (APY)** | 18 Mo. Interest Rate/Annual Percentage Yield (APY)** | 24 Mo. Interest Rate/Annual Percentage Yield (APY)** | 30 Mo. Interest Rate/Annual Percentage Yield (APY)** | 36 Mo. Interest Rate/Annual Percentage Yield (APY)** |
|---|---|---|---|---|---|
| $1,000 | 2.72% / 2.75% | 2.72% / 2.75% | 2.72% / 2.75% | 2.72% / 2.75% | 2.72% / 2.75% |
| $10,000 | 2.96% / 3.00% | 2.96% / 3.00% | 2.96% / 3.00% | 2.96% / 3.00% | 2.96% / 3.00% |
| $50,000 | 3.20% / 3.25% | 3.20% / 3.25% | 3.20% / 3.25% | 3.20% / 3.25% | 3.20% / 3.25% |
**APY = Annual Percentage Yield. $25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. At renewal, your certificate will automatically renew and earn the rate on the day of maturity regardless of any future rate change. If the existing term of the certificate is no longer available, it renews to the closest term that is below the current product.
Certificates (CDs) - Promotional
| Minimum Deposit | 6 Mo. Interest Rate/Annual Percentage Yield (APY)** | 15 Mo. Interest Rate/Annual Percentage Yield (APY)** |
|---|---|---|
| $1,000 | 4.265% / 4.35% | 4.17% / 4.25% |
| $10,000 | 4.265% / 4.35% | 4.17% / 4.25% |
| $50,000 | 4.265% / 4.35% | 4.17% / 4.25% |
**APY = Annual Percentage Yield. $25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. The 15 month and 6 month Certificates are nonrenewable.
Save to Win
| Product | Minimum Deposit | 12 Mo. Interest Rate/Annual Percentage Yield (APY)** |
|---|---|---|
| 12 Month Save to Win Certificate | 2.72% | 2.75% |
Checking
Checking
| Checking Account | Interest Rate | Annual Percentage Yield (APY)** |
|---|---|---|
| 815 Spend*** | 2.96% | 3.00% |
**APY = Annual Percentage Yield. A $25 minimum deposit is required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account.
***To earn the 3.00% APY dividend on balances up to $10,000 the following requirements must be met: 12 debit card purchases, excluding ATM withdrawals, direct deposit/remote deposit of at least $500 a month, and be enrolled in e-statements. If you meet all the qualification requirements, you will earn the dividend and be refunded up to two (2) RVCU ATM foreign transaction fees. RVCU ATM foreign transaction fee refunds will be paid on the last calendar day of each month. All transactions must post to your account during the dividend period to qualify for the account’s dividend/rewards. During any dividend period, if you do not meet all the qualification requirements, you will not receive the dividend and ATM foreign transaction fees will not be refunded to you.
Money Market
Dividend is paid for the highest tier that has a balance for the entire balance.
| Interest Rate | Annual Percentage Yield (APY)** | |
|---|---|---|
| Tier 1 - $2,500 - $9,999.99 | 1.00% | 1.00% |
| Tier 2 - $10,000 - $24,999.99 | 1.49% | 1.50% |
| Tier 3 - $25,000 - $74,999.99 | 1.98% | 2.00% |
| Tier 4 - $75,000 and above | 2.47% | 2.50% |
**APY = Annual Percentage Yield. A $25 minimum deposit is required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account.
Loan Rates
Personal
| Loan Type | Annual Percentage Rate (APR) as Low as |
|---|---|
| Personal Loans | 10.99% for 36 months at $32.50 per $1,000 |
For more information and to apply, please visit our Personal Loans page.
Vehicle Loan Rates
Motorcycle
| Loan Type | Annual Percentage Rate (APR) as Low As |
|---|---|
| Motorcycle | 5.50% for 36 months at $30.20 per $1,000 |
RV/Boat
Campers, Boat packages, Travel Trailers, 5th Wheels, Motor Home Loans
| Loan Type | Annual Percentage Rate (APR) as Low As |
|---|---|
| New/Used RV or Boat | 6.25% for 36 months at $30.54 per $1,000 |
ATV
| Loan Type | Annual Percentage Rate (APR) as Low As |
|---|---|
| New/Used ATV | 8.50% for 36 months at $31.57 per $1,000 |
Vehicle
| Loan Type | Annual Percentage Rate (APR) as Low as |
|---|---|
| New/Used Vehicle | 4.49% for 36 months at $29.47 per $1,000 |
For more information and to apply, please visit our Vehicle Loans page.
Mortgage
About Mortgage queries; contacts: Interested in learning about the great rates we offer on mortgages? Contact us today and ask to speak to a real estate specialist!
