RATES

Rates are subject to change without notice. 

 Please contact the credit union to confirm rate information.

LOANS

SHARE SECURED

up to 60 mos.

 

 		3.0% above the dividend rate at the time of the loan for the Shares or Share Certificate used to secure the loan.

MINIMUM RATE, 6% APR

NEW VEHICLES

2008 & 2007 NEW, never registered, under full warranty.

 

24 mos.

   5.99% TITLE SECURED
36 mos.   6.25%

100% Cost of Vehicle Financing

48 mos.   6.75%

(excl. taxes & registration)
60 mos.*   7.00% * Available for amounts over $10,000
72 mos.* 10.00% *Available for amounts over $25,000

USED VEHICLES

2007 USED & Older. Finance amounts over $2500.00
24 mos.   5.99% TITLE SECURED
36 mos.   6.25%

100% financing up to 7 years old
48 mos.   6.75%

(excl. taxes & registration)
60 mos.*   7.00%

*Available for amounts over $10,000
72 mos.* 10.00%

*Available for amounts over $25,000
REFCU will match any reasonable rate offered by another financial institution or dealership (minimum 6%)

R.V. / BOATS
Proof of insurance must be submitted prior to check disbursement. 80% financing based on NADA book val., Registration & UCC-1 fees will be borne by the borrower.
36 mos. 11.9% up to $4,999
48 mos. 11.9% up to $9,999
60 mos. 11.9% up to $30,000
 

SIGNATURE LOANS  Cosigner, Joint, Unsecured
60 mos. 12.0%

up to $7,500 / member
 

FIXED HOME EQUITY   Only for CT Real Estate

 SOME CLOSING COSTS MAY APPLY   

                           
  5 yrs.  5.50% with a loan-to-value ratio of 75% or less
10 yrs.  6.00% with a loan-to-value ratio of 75% or less
15 yrs.  7.00% with a loan-to-value ratio of 75% or less
up to 15 yrs.  8.50% with a loan-to-value ratio of 76% - 90%
 

SHARE RATES


SHARE ACCOUNTS

APR 0.50 Yield 0.50%

 

CLUB ACCOUNTS

APR 0.50% Yield 0.50%

 

SHARE DRAFT ACCOUNT

No dividends, effective 4/1/97

 

SHARE CERTIFICATE

  6 month term - APR 2.25%  Yield 2.27%

12 month term - APR 2.50%  Yield 2.53%

24 month term - APR 2.75%  Yield 2.78%
36 month term - APR 3.00%  Yield 3.04%

BOARD OF DIRECTORS:  Eric Harriott, Kathleen Senkewitcz, Sally Couture, Bruce Arnio, Linda Manso, John Reynolds, and  Ronald Robinson
SUPERVISORY COMMITTEE: Clark Richmond, Kim Salvas, Alice Tetreault and Lisa Langelier

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