LOAN AND SAVINGS RATES
Effective Date 9/19/2024, Rates Subject to Change
Loan Options: Annual Percentage Rate (APR)
| New & Used Vehicles 1 | APR 1 |
|---|---|
| As Low As | 5.75% |
| Signature Loans 2 | APR 2 |
|---|---|
| As Low As | 9.25% |
| Home Equity Line of Credit3 | VARIABLE APR3 |
|---|---|
| As Low As Prime Rate |
| Fixed Rate Second Mortgages4 | APR4 |
|---|---|
| Rates as low as | 6.00% |
| First Mortgages5 | APR5 |
|---|---|
| Please CLICK HERE or call 1-877-885-4044 for today’s mortgage rates and application information. | |
| Platinum VISA Rewards Card 6 | APR 6 |
|---|---|
| As Low As Click Here for Visa Credit Card Disclosures | 9.90% |
| Share Secured Loans 7 | APR 7 |
|---|---|
| As Low As | 3.00% |
| Certificate Secured Loan 8 | APR 8 |
|---|---|
| Above Certificate Rate | 4.00% |
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. Payment example: For $35,000 loan for a 72 month term at a interest rate of 6.25% your monthly payment would be $584.00. 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. Minimum rate of 8.5% and a 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 10 years with a 6.00% APR, the monthly payment will be $888.16. 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.