Rates
Loan Rates
Consumer Unsecured Loans (rates effective as of August 30, 2017)
Personal Loan (Fixed Rate)
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Repayment Term | Minimum Loan Amount | Maximum Loan Amount | APR |
12 - 48 Months | $1,000 | >$10,000 | 7.50% - 15.99%* |
Consumer Auto Loans (rates effective as of August 30, 2017)
New/Used Autos 2011 - 2017 (101% - 115%** LTV)
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APR As low as | |||
Terms for Fixed Auto Loans | Minimum Loan Amount | New Auto Loans*** | Used Auto Loans*** |
0 - 48 Months
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n/a |
2.24%
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2.49%
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49 - 60 Months
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n/a |
2.49%
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2.74%
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61 - 72 Months
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n/a |
2.74%
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2.99%
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73 - 84 Months
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$25,000
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3.24%
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3.99%
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Used Autos 2007 - 2010 (101% - 115%** LTV)
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APR As low as | |||
Terms for Fixed Auto Loans | Minimum Loan Amount | Used Auto Loans*** | |
0 - 66 Months
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$5,000
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4.24%
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Consumer Adventure Loans (rates effective as of August 30, 2017)
New Boat, RV & Motorcycle 2014 - 2016 101% - 125%** LTV
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APR As low as | |||
Terms for Fixed Auto Loans | Minimum Loan Amount | New Adventure Loans***** | Used Adventure Loans***** |
0 - 36 Months
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$5,000
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2.99%
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3.74%
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37 - 48 Months
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$5,000
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3.24%
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3.99%
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49 - 60 Months
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$10,000
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3.74%
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4.99%
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61 - 72 Months
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$20,000
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3.99%
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5.24%
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73 - 84 Months
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$25,000
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4.99%
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5.74%
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85 - 120 Months
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$50,000
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5.24%
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N/A
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121 - 240 Months
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$100,000
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5.49%
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N/A
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Right Path Loans (rates effective as of August 30, 2017)
Credit Builder Loan
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Repayment Term | Minimum Loan Amount | Maximum Loan Amount | APR | Fee |
12 - 24 Months | $500 | >$2,500 | 17.99% | $25.00 |
Vehicle Connector Loan
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Repayment Term | Minimum Loan Amount | Maximum Loan Amount | APR | Purchased From: |
12 - 60 Months | $5,000 | >$18,000 | 16.00% | Enterprise |
Consumer Other Selected Loans (rates effective as of August 30, 2017)
Type | Maximum Credit Line | % Above Index |
Share Pledge
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90% of unpledged funds on deposit.
Up to 60 months.
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Current Share rate + 3.00%, rounded up to the next whole number
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Certificate Pledge
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90% of unpledged funds on deposit. Length of Certificate
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Current Certificate rate + 3.00%, rounded up to the next whole number
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*Rates based on credit worthiness.
**101% – 115% LTV requires mandatory GAP Insurance.
***New Auto Loans 2015-2017. Used Auto Loans 2007 – 2014. Rates, terms and conditions of loans will be based on individual credit worthiness.
****APR=Annual Percentage Rate. The rates quoted are effective as of January 10, 2017 and are subject to change without notice. APR is based on a variety of factors, including the applicant’s credit rating and RiverTrace FCU account history.
*****New Boat, RV and Motorcycle Loans 2015-2017. Used Boat, RV and Motorcycle Loans 2006 – 2017. Rates, terms and conditions of loans will be based on individual credit worthiness.