Current Rates

Loan Rates

Loan rates effective 5/1/13 and subject to change.
APR = Annual Percentage Rate
* = As low as

Loan Type	APR
Automobile (Years 2008-2013)	2.49%*
Recreational Vehicles (Years 2008-2013)	3.49%*
Personal Loan	9.99%*
Share Secured Loan	3.50%*
Certificate Secured Loan	2.5%* Above Rate on Certificate Used as Collateral
SafetyLine (Overdraft Protection)	15.00%*
RBCU Platinum Visa Card	9.90%* Visa Credit Card Disclosure
RBCU Classic Visa Card	12.99%* Visa Credit Card Disclosure
Mortgage Loans	Visit the RBCU Mortgage Center

* APR is Annual Percentage Rate. Rate assumes Auto Pay(1) and is based on credit qualifications, term, and age of collateral. Rate subject to change.
Notes: (1) AutoPay takes your payment from an RBCU account or from your payroll at qualifying employers.

Business Loans	APR*
RBCU offers Business Loans tailored to meet your specific needs! Loans are available for Equipment, Vehicles, Building Acquisitions, or Working Capital.	Contact RBCU's Call Center at (612) 798-7100 or Toll Free at (800)967-7228 for more information.

Loan Payment Calculator

Calculate your monthly payment by entering the amount you'd like to borrow, the interest rate, and term of the loan in years. (Example: when figuring a 60-month term, the loan term entered would be 5; a 66 month loan would be entered as 5.5).
Loan Amount:
Annual Interest Rate:
Loan Term (in years):

Monthly Payment:

Savings & Deposit Rates

Saving rates effective 5/1/13 and subject to change.
APY = Annual Percentage Yield

Savings Accounts¹	Daily Balance	Dividend Rate	APY
Regular Share	N/A	0.05%	0.05%
Membership Share Account	N/A	0.05%	0.05%
IRA Share	N/A	0.05%	0.05%
Money Market	below $5,000	0.05%	0.05%
Money Market	$5,000-$24,999	0.05%	0.05%
Money Market	above $25,000	0.05%	0.05%

Checking Accounts¹	Daily Balance	Dividend Rate	APY
Personal Checking	$500 Minimum Daily Balance to earn interest	0.05%	0.05%
Business Checking	$2,500 Minimum Daily Balance to earn interest	0.05%	0.05%

Share & IRA Certificates²	Minimum Balance	Interest Rate	APY
6 to 11 Months*	$500	0.05%	0.05%
12 to 23 Months	$500	0.25%	0.25%
24 to 35 Months	$500	0.64%	0.64%
36 to 47 Months	$500	0.64%	0.64%
48 to 59 Months	$500	0.64%	0.64%
60 to 84 Months	$500	0.64%	0.64%
6 to 11 Months*	$10,000	0.05%	0.05%
12 to 23 Months	$10,000	0.25%	0.25%
24 to 35 Months	$10,000	0.64%	0.64%
36 to 47 Months	$10,000	0.64%	0.64%
48 to 59 Months	$10,000	0.64%	0.64%
60 to 84 Months	$10,000	0.64%	0.64%
6 to 11 Months*	$25,000	0.05%	0.05%
12 to 23 Months	$25,000	0.25%	0.25%
24 to 35 Months	$25,000	0.64%	0.64%
36 to 47 Months	$25,000	0.64%	0.64%
48 to 59 Months	$25,000	0.64%	0.64%
60 to 84 Months	$25,000	0.64%	0.64%

* The 6 to 11 month term is not available for IRA Certificates.

1 = Fees could reduce earnings.
2 = A penalty may be imposed for early withdrawal.

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