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Rates

Loan Rates

Consumer Unsecured Loans (rates effective as of August 30, 2017)

Personal Loan (Fixed Rate)
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)
APR As low as
Terms for Fixed Auto Loans Minimum Loan Amount New Auto Loans*** Used Auto Loans***
0 - 48 Months
n/a
2.24%
2.49%
49 - 60 Months
n/a
2.49%
2.74%
61 - 72 Months
n/a
2.74%
2.99%
73 - 84 Months
$25,000
3.24%
3.99%

 

Used Autos 2007 - 2010 (101% - 115%** LTV)
APR As low as
Terms for Fixed Auto Loans Minimum Loan Amount Used Auto Loans***
0 - 66 Months
$5,000
4.24%

Consumer Adventure Loans (rates effective as of August 30, 2017)

New Boat, RV & Motorcycle 2014 - 2016 101% - 125%** LTV
APR As low as
Terms for Fixed Auto Loans Minimum Loan Amount New Adventure Loans***** Used Adventure Loans*****
0 - 36 Months
$5,000
2.99%
3.74%
37 - 48 Months
$5,000
3.24%
3.99%
49 - 60 Months
$10,000
3.74%
4.99%
61 - 72 Months
$20,000
3.99%
5.24%
73 - 84 Months
$25,000
4.99%
5.74%
85 - 120 Months
$50,000
5.24%
N/A
121 - 240 Months
$100,000
5.49%
N/A
 Right Path Loans (rates effective as of August 30, 2017)
Credit Builder Loan
Repayment Term Minimum Loan Amount Maximum Loan Amount APR Fee
12 - 24 Months $500 >$2,500 17.99% $25.00

 

 

Vehicle Connector Loan
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
90% of unpledged funds on deposit.
Up to 60 months.
Current Share rate + 3.00%, rounded up to the next whole number
Certificate Pledge
90% of unpledged funds on deposit. Length of Certificate
Current Certificate rate + 3.00%, rounded up to the next whole number

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.

*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.

 

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