loan and savings rates

LOAN AND SAVINGS RATES

Effective Date 3/1/2024, Rates Subject to Change

Loan Options: Annual Percentage Rate (APR)

New & Used Vehicles 1APR 1
As Low As5.75%
Signature Loans 2APR 2
As Low As9.25%
Home Equity Line of Credit3VARIABLE APR3
As Low As Prime Rate
Fixed Rate Second Mortgages4APR4
Rates as low as6.00%
First Mortgages5APR5
Please CLICK HERE or call 1-877-885-4044 for today’s mortgage rates and application information.
Platinum VISA Rewards Card 6APR 6
As Low As

Click Here for Visa Credit Card Disclosures
9.90%
Share Secured Loans 7APR 7
As Low As2.55%
Certificate Secured Loan 8APR 8
Above Certificate Rate4.00%

 

1- New and Used Vehicles: APR = Annual Percentage Rate. Not all applications will qualify, subject to credit approval. Additional terms & conditions may apply. Rate may vary based on credit worthiness and term. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. Membership is required.

2- Signature/Personal Loans: APR = Annual Percentage Rate. Not all applications will qualify, subject to credit approval. Additional terms & conditions may apply. Rate may vary based on credit worthiness and term. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. Membership is required.

3- Home Equity Line of Credit: APR = Annual Percentage Rate. Not all applications will qualify, subject to credit approval. Additional terms & conditions may apply. Rate may vary based on credit worthiness and term. Maximum rate of 18% APR. Taxes and insurance(s) are not included in monthly payment. Ridgedale FCU will waive closing costs at inception of loan. If the loan is terminated within 12 months of opening, the closing cost waiver is revoked, and borrower(s) will be required to pay back closing costs in full to Ridgedale FCU. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. Membership is required.

4- Fixed Rate Second Mortgages: APR = Annual Percentage Rate. Not all applications will qualify, subject to credit approval. Additional terms & conditions may apply. Rate may vary based on credit worthiness and term. Minimum loan application is $25,000. Taxes and insurance(s) are not included in monthly payment. Payment example for a Home Equity Loan: For an $80,000 loan for a term of 15 years with a 5.00% APR, the monthly payment will be $632.63. Ridgedale FCU will waive closing costs at inception of loan. If the loan is terminated within 12 months of opening, the closing cost waiver is revoked and borrower(s) will be required to pay back closing costs in full to Ridgedale FCU. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. Membership is required.

5- First Mortgages: Please CLICK HERE or call 1-877-885-4044 for today’s mortgage rates and application process. Your mortgage specialist will provide all disclosures, terms and conditions.

6- Platinum Visa Rewards Credit Card: APR = Annual Percentage Rate. Not all applications will qualify, subject to credit approval. Additional terms & conditions apply. Rate may vary based on credit worthiness. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. Membership is required.

7- Share Secure Loan: APR = ANNUAL PERCENTAGE RATE. ALL APPLICATIONS WILL QUALIFY. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON TERM AND WHERE THE MONEY IS HELD. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

8- Certificate Secure Loan: APR = ANNUAL PERCENTAGE RATE. ALL APPLICATIONS WILL QUALIFY. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON TERM AND WHERE THE MONEY IS HELD. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

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