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SAVINGS CHECKING VEHICLE LOANS MORTGAGE LOANS PERSONAL LOANS
Rates
Rock Valley CU is a not-for-profit financial institution, which means that the majority of the income we make goes back into our members' pockets by offering awesome benefits such as competitive rates. Think it's too good to be true? Think again! Check out our awesome rates below to learn more.
Account Rates
Savings
| Savings Accounts |
| Effective Date: October 1, 2023 |
| Interest Rate | Annual Percentage Yield (APY**) |
| Primary Savings |
0.15% |
0.15%** |
| Secondary Savings |
0.15% |
0.15%** |
| IRAs |
| Effective Date: October 1, 2023 |
| Interest Rate | Annual Percentage Yield (APY**) |
| IRA Savings |
0.15% |
0.15%** |
| Health Savings Account (HSA) |
| Effective Date: October 1, 2023 |
| Interest Rate | Annual Percentage Yield (APY**) |
| HSA |
0.15%* |
0.15%** |
| Certificates |
| Effective Date: October 15,2024 |
| Minimum Deposit | 12 Mo. Interest Rate/Annual Percentage Rate (APR) | 15 Mo. Interest Rate/Annual Percentage Rate (APR) | 18 Mo. Interest Rate/Annual Percentage Rate (APR) | 24 Mo. interest Rate/Annual Percentage Rate (APR) | 30 Mo. Interest Rate/Annual Percentage Rate (APR) | 36 Mo. Interest Rate/Annual Percentage Rate (APR) |
| $1,000.00 |
2.72% APR | 2.75% APY |
4.41% APR/ 4.50% APY |
2.47% APR | 2.50% APY |
2.37% APR | 2.40% APY |
2.33% APR | 2.35% APY |
2.23% APR | 2.25% APY |
| $10,000.00 |
2.96% APR | 3.00% APY |
4.41% APR/ 4.50% APY |
2.72% APR | 2.75% APY |
2.62% APR | 2.65% APY |
2.57% APR | 2.60% APY |
2.47% APR | 2.50% APY |
| $50,000.00 |
3.20% APR | 3.25% APY |
4.41% APR/ 4.50% APY |
2.96% APR | 3.00% APY |
2.86% APR | 2.90% APY |
2.81% APR | 2.85% APY |
2.72% APR | 2.75% APY |
| Save to Win Certificate |
| Effective Date: March 28, 2023 |
| Minimum Deposit | 12 Mo. Interest Rate/Annual Percentage Yield (APY) |
| $25.00 |
1.00% APR | 1.00% APY |
| Save to Win Savings |
| Effective Date: October 1, 2023 |
| Minimum Deposit | 12 Mo. Interest Rate/Annual Percentage Yield (APY) |
| $25.00 |
.25% APR | .25% APY |
Checking
| Money Market |
| Effective Date: October 1, 2023 |
| 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 |
0.50%* |
0.50%** |
| Tier 2 - $10,000 - $24,999.99 |
1.25%* |
1.26%** |
| Tier 3 - $25,000 - $74,999.99 |
1.50%* |
1.51%** |
| Tier 4 - $75,000 and above |
2.00%* |
2.02%** |
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. $25 minimum deposit 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
| Personal Loan |
| Effective Date: March 17, 2024 |
| Loan Type | *APR as Low as |
| |
10.99% for 36 months at $32.50 per $1,000 |
For more information and to apply, please visit our Personal Loans page.
Vehicle
| Motorcycle Loans |
| Effective Date: October 18, 2022 |
| Loan Type | | Annual Percentage Rate (APR) as Low As |
| New/Used Motorcycle |
|
*5.50% for 36 months at $30.20 per $1,000 |
| RV/Boat |
| Effective Date: October 18, 2022 |
| 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 |
| Effective Date: October 18, 2022 |
| Loan Type | | Annual Percentage Rate (APR) as Low As |
| New/Used ATV |
|
*8.50% for 36 months at $31.57 per $1,000 |
| Vehicle Loans |
| Effective Date: March 15, 2024 |
| Loan Type | | *APR as Low as |
| New/Used Auto |
|
*4.99% for 36 months at $29.97 per $1,000 |
4.99%* Annual Percentage Rate (APR) limited time offer, may expire without notice and eligible for all qualified buyers. For more information and to apply, please visit our Vehicle Loans page.
Mortgage
For more information on how our Mortgage loans can work for you, please call our Member Contact Center at (815) 282-0300 to speak to a Lending Specialist or start your application today. Visit https://www.rockvalleycreditunion.org/loans
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. $25 minimum deposit 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.
Can't believe the great rates? We know. Pretty awesome.
If you have any additional questions, please call our Member Contact Center at (815) 282-0300 or send us a message via chat during regular business hours.
