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Auto Loans—Effective October 01, 2020

With a minimum credit score of 730 or above and LTV below 75%
Type36 Month Fixed APR As Low As60 Month Fixed APR As Low As72 Month Fixed APR As Low As84 Month Fixed APR As Low As
New Car2.49%2.59%2.64%3.50%
Used Car2.49%2.59%2.64%3.50%
See Auto Loan Disclosures
  • Must be an RFCU® member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed APRs are fixed for the life of the loan.
  • Maximum amount financed for New Cars is 130% of Purchase Price.
  • Maximum amount financed for Used Cars is 130% of NADA Book Value.
  • Minimum amount financed for 84 Month New or Used Auto Loans is $25,000.
  • Loans secured by new or used collateral are subject to the collateral's value at the time of the advance.
  • A typical payment example - For a $20,000 auto loan with zero down for 36-months with 2.49% fixed APR, the monthly payment schedule will be $590. For a $20,000 auto loan with zero down for 60-months with 2.59% fixed APR, the monthly payment schedule will be $374.00. For a $25,000 auto loan with zero down for 84-months with 3.50% fixed APR, the monthly payment schedule will be $360.00.
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Recreational Vehicle Loans—Effective October 01, 2020

TypeFixed APR As Low As...Maximum Amount Financed
New/Used Boat, Motor,
& Trailer
3.89%Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
New/Used RV3.89%Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
Motorcycles, ATVs, & Jet Skis with Trailers3.89%Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
New/Used Harley-Davidsons3.89%Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value + $3,000 for Used
See Recreational Loan Disclosures
  • Must be an RFCU member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed APRs are fixed for the life of the loan.
  • 25 ft & over or 5 net tons require a Marine Mortgage Trailer may be omitted when dry/wet docked
  • Purchase Price: MSRP + Dealer Adds (warranty, tax, title, doc, maintenance, road hazard, etc)
  • NADA Book Value: NADA highest value +/- options +/- mileage
  • Loans secured by new or used collateral are subject to the collateral's value at the time of the advance.
  • For New/Used Boat, Motor, & Trailer—Fixed APRs are fixed for the term of the loan.
  • For New/Used RV—Fixed APRs are fixed for the term of the loan.
  • For Motorcycles, ATVs, & Jet Skis with Trailers—Fixed APRs are fixed for the term of the loan.
  • For New/Used Harley-Davidsons—Fixed APRs are fixed for the term of the loan.
  • For recreational purposes only.
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Other Personal Loans—Effective October 01, 2020

TypeFixed APR As Low As...Variable APR As Low As...Min/Max Amount Financed
Personal Unsecured Signature9.45%8.58%Max $50,000
Personal Line of Credit/OverdraftN/A8.58%Max $5,000
Personal Stretch and Save*17.00%N/AMin $500 up to Max $1250
Share SecuredN/A3.00%Up to 100% of primary savings account balance
Home Equity Line of CreditN/A4.25%Min $10,000 Max $150,000
See Personal Loan Disclosures
  • N/A = Not Applicable
  • Must be an RFCU member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed APRs are fixed for the life of the loan and variable APRs are subject to change after consummation.
  • Share, Certificate, and Annuity funds used to secure loans may not be available for use.
  • Personal Line of Credit/Overdraft—Variable APRs are subject to change.
  • Personal Unsecured Signature—Fixed APRs are fixed for the term of the loan. Variable APRs are subject to change.
  • Must have an active RFCU checking account to participate in Redstone MemberPlus! Must be eligible for membership and open a savings account in order to open a checking account. A $5 minimum balance is required to open and be maintained in savings account. Must not have caused RFCU a loss in order to be eligible to open a checking account. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts. The deposit and balance amounts and the checking maintenance fees vary per checking account type. Please contact the Credit Union for more information about these amounts and fees. Age and other restrictions may also apply.

*For Stretch Loans:
17.00% fixed APR with repayment made through a pre-authorized transaction and requires established (minimum 3 months) direct deposit equal to or greater than contracted payment amount. 18% fixed APR if repayment is made another way. Must have no active Stretch Loans and no co-borrowers are permitted. Requires verification of residential address and verification of income, if not direct deposit to RFCU. A minimum of one year membership is required, and all accounts have to be in good-standing. A $30 non-refundable application fee applies and must be collected at application, may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution. 20% of loan amount will be set aside in your Brighter Day Savings account.

For Home Equity Line Of Credit (HELOCs):
The minimum Annual Percentage Rate (APR) is 4.25% and may vary. However, your initial APR is based on an evaluation of your credit and may be different. The maximum APR is 18% or the maximum allowed by law, whichever is less. $10,000 to $150,000 equity lines up to 100% of Total Loan-To-Value (TLTV) for owner occupied property or 75% of TLTV for non-owner occupied. RFCU® pays closing costs. Property insurance is required.

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Credit Cards—Effective October 01, 2020

TypeAPR for PurchasesAPR for Balance TransferAPR for Cash Advance
Visa Signature® as low as8.00% Variable8.00% Variable10.00% Variable
Secured Visa as low as11.50% Variable11.50% Variable13.50% Variable
Visa Traditional (variable) as low as7.00% Variable7.00% Variable9.00% Variable
Visa Traditional (fixed)18.00% Fixed18.00% Fixed18.00% Fixed
See Credit Card Disclosures

APRs are based on your creditworthiness when you open your account. Variable APRs will vary with the market based on the Prime Rate plus a margin. Fixed APRs are fixed for the term of the loan.

Must be a RFCU® member to obtain a loan. All loans subject to credit approval. Rates are subject to change without notice. Other restrictions may apply. RFCU is an equal credit opportunity lender. Must have online banking and PIN/password to access online application.

For Secured Visa:
Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in Account must equal credit limit, will not earn dividends and must remain in the account. No withdrawals are permitted unless account is paid in full. No overdrafting allowed. Deposits are limited to initial deposit and approved credit limit increases. No joint account owners or beneficiaries are permitted. Coborrowers are not permitted. Up to three authorized users may be name.

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Savings Accounts—Effective October 01, 2020

TypeMinimum BalanceDividend RateAPY
Regular Share Account$50.10%0.10%
"You Name It" Savings Account$5000.10%0.10%
Christmas Club Share AccountNo Minimum Balance0.10%0.10%
Money Market Share Account$2,000 to $4,999.990.15%0.15%
$5,000 to $49,999.990.20%0.20%
$50,000 to $99,999.990.25%0.25%
$100,000 and above0.25%0.25%
Brighter Day Savings Account$0 to $2,5002.00%2.02%
$2,500.01 and above0.10%0.10%
See disclosures

Annual Percentage Yield (APY)

You must be eligible for membership and open a Regular Share (savings) account to join the Credit Union. You must be a member to open another account. The minimum initial deposit required to open the savings account is $5. You must maintain a minimum daily balance of $5.00 in the savings account. There is no minimum balance required to earn the disclosed APY.

There is no minimum balance required to open the “You Name It” Savings Account. The minimum daily balance required to earn dividends and the disclosed APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.

There is no minimum balance requirement to open or maintain a Christmas Club account or to earn the disclosed APY.

A minimum balance of $2,000 is required to open the Money Market Share and a minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time your daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the disclosed APY for that tier.

Only one Brighter Day Savings Account is allowed per member. There is no minimum balance required to open the Brighter Day Savings Account. As of October 01, 2020, the annual percentage yield (APY) for the Brighter Day Savings Account is 2.02% and is subject to change monthly. There is no minimum balance required to earn the disclosed APY, but the maximum balance to earn 2.02% APY is $2,500. Any deposits beyond $2,500 will earn 0.10% APY and is subject to change monthly. The APY is accurate as of the last dividend declaration date. Fees and other conditions could reduce the earning on the account. Please contact Redstone for current share savings rate information.

Rates subject to change after account is opened. Rates may change every month as determined by the Board of Directors.

These annual percentage yields are accurate as of the last dividend declaration date.

Fees and other conditions could reduce earnings on the accounts.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Please refer to the Account and Electronic Services Agreement for further disclosures. Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates or additional information.

Federally insured by NCUA.

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Savings Accounts: Certificates—Effective October 28, 2020 - November 03, 2020

TermDividend Rate CompoundingAPY CompoundingDividend Rate Non-CompoundingAPY Non-Compounding
Member's Choice Share Certificate
36 Months Fixed0.18%0.18%0.18%0.18%
48 Months Fixed0.18%0.18%0.18%0.18%
60 Months Fixed0.22%0.22%0.22%0.22%
72 Months Fixed0.36%0.36%0.36%0.36%
84 Months Fixed0.50%0.50%0.50%0.50%
96 Months Fixed0.68%0.68%0.68%0.68%
108 Months Fixed0.76%0.76%0.76%0.76%
120 Months Fixed0.84%0.84%0.84%0.84%
144 Months Fixed1.02%1.02%1.02%1.02%
Share Certificate
6 Months Fixed0.15%0.15%0.15%0.15%
12 Months Fixed0.15%0.15%0.15%0.15%
18 Months Fixed0.15%0.15%0.15%0.15%
24 Months Fixed0.15%0.15%0.15%0.15%
36 Months Fixed0.18%0.18%0.18%0.18%
48 Months Fixed0.18%0.18%0.18%0.18%
60 Months Fixed0.22%0.22%0.22%0.22%
72 Months Fixed0.36%0.36%0.36%0.36%
84 Months Fixed0.50%0.50%0.50%0.50%
96 Months Fixed0.68%0.68%0.68%0.68%
108 Months Fixed0.76%0.76%0.76%0.76%
120 Months Fixed0.84%0.84%0.84%0.84%
144 Months Fixed1.02%1.02%1.02%1.02%
Jumbo Certificate
6 Months Fixed0.15%0.15%0.15%0.15%
12 Months Fixed0.15%0.15%0.15%0.15%
18 Months Fixed0.15%0.15%0.15%0.15%
24 Months Fixed0.15%0.15%0.15%0.15%
36 Months Fixed0.18%0.18%0.18%0.18%
48 Months Fixed0.18%0.18%0.18%0.18%
60 Months Fixed0.22%0.22%0.22%0.22%
72 Months Fixed0.36%0.36%0.36%0.36%
84 Months Fixed0.50%0.50%0.50%0.50%
96 Months Fixed0.68%0.68%0.68%0.68%
108 Months Fixed0.76%0.76%0.76%0.76%
120 Months Fixed0.84%0.84%0.84%0.84%
144 Months Fixed1.02%1.02%1.02%1.02%
See disclosures

Annual Percentage Yield (APY)

The minimum balance required to open the Share Certificate is $1000. The minimum balance required to open the Jumbo Certificate is $100,000. You must maintain these minimum balances at all times to earn the disclosed annual percentage yields (APY). Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.

The minimum balance required to open a Member's Choice Share Certificate is $1,000. You must maintain this minimum balance at all times to earn the disclosed annual percentage yields. Member's Choice Share Certificates are not available as Jumbo Certificates.

For non-compounding share certificates, no dividends are added to the share certificate but are transferred to a designated share account. Dividends cannot remain on a non-compounding share certificate. Payout of dividends is mandatory.

For non-compounding Jumbo Share Certificates, no dividends are added to the share certificate but, at the member's option, are either transferred to the designated share account or issued to the member in the form of a monthly check. Dividends cannot remain on a non-compounding share certificate. Payout of dividends is mandatory.

For non-compounding Member's Choice Share Certificates, no dividends are added to the share certificate but are transferred to the designated share savings account. Dividends cannot remain on a non-compounding Member's Choice Share Certificate. Payout of dividends is mandatory.

A substantial penalty will be imposed for the early withdrawal of certificate principal prior to maturity date. A withdrawal could reduce earnings.

Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.

For Member's Choice share certificates: After 90 days from the certificate opening date, members have the option to request to change the dividend rate to the current dividend rate applicable to the term for their certificate. Future rate changes may be requested every 365 days after the last rate change on their account.

Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.

Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.

Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates.

Federally insured by NCUA.

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Savings Accounts: IRAs—Effective October 28, 2020 - November 03, 2020

TermDividend RateAPYMinimum Balance
Traditional IRA and Roth IRA Certificates
12 Months0.15%0.15%$5
18 Months0.15%0.15%$5
24 Months0.15%0.15%$500
36 Months0.18%0.18%$500
48 Months0.18%0.18%$500
60 Months0.22%0.22%$500
72 Months0.36%0.36%$500
84 Months0.50%0.50%$500
96 Months0.68%0.68%$500
108 Months0.76%0.76%$500
120 Months0.84%0.84%$500
144 Months1.02%1.02%$500
Traditional and Roth Savings IRA
N/A0.10%0.10%$5
See disclosures

Annual Percentage Yield (APY)

Traditional IRA and Roth IRA Certificates:

  • The minimum balances are required to open the accounts. You must maintain the minimum balances at all times to earn the disclosed APYs.
  • Once an IRA Certificate is opened, the dividend rate and annual percentage yield (APY) will remain in effect for the term of the account.
  • A substantial penalty will be imposed for early withdrawal of principal prior to maturity. A withdrawal may reduce account earnings.
  • Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.
  • Refer to the Truth in Savings Disclosure Supplement for further disclosures.
  • Call 256-837-6110 or 800-234-1234 for current IRA rates, during business hours.
  • Federally insured by NCUA.

Traditional and Roth Savings IRA:

  • A $5 deposit is required to open your IRA. You must maintain a minimum balance of $5 in the account at all times to earn the APY.
  • Rates may change every month as determined by the Board of Directors.
  • There are no fees for establishing or maintaining a Traditional or Roth Savings IRA.
  • This annual percentage yield was accurate as of the last dividend declaration date.
  • Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  • Rates subject to change without notice. Fees and other conditions could reduce earnings on the account.
  • Refer to the Truth in Savings Disclosure Supplement for further terms and conditions.
  • Call 256-837-6110 or 1-800-234-1234 for current IRA rates, during business hours.
  • Federally insured by NCUA.
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Business Accounts—Effective October 01, 2020

Minimum BalanceDividend RateAPY
Endeavor Savings Account
$00.10%0.10%
Endeavor Plus Checking
$2,000 to $4,999.990.05%0.05%
$5,000 to $9,999.990.05%0.05%
$10,000 to $49,999.990.05%0.05%
$50,000 to $99,999.990.10%0.10%
$100,000.00 and above0.10%0.10%
Endeavor Money Market
$2,000 to $4,999.990.15%0.15%
$5,000 to $49,999.990.20%0.20%
$50,000 to $99,999.990.25%0.25%
$100,000.00 and above0.25%0.25%
See disclosures

Annual Percentage Yield (APY)

  • There is no minimum balance to open or maintain the Endeavor Savings Account or to earn the disclosed APY.
  • The minimum balance required to open the Endeavor Money Market Account and earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier.
  • The minimum balance required to open the Endeavor Plus Checking Account is $100. The minimum balance required to earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier.
  • Rates may change every month as determined by the Board of Directors.
  • Rates subject to change after account is opened.
  • These annual percentage yields are accurate as of the last dividend declaration date.
  • Fees and other conditions could reduce earnings on the accounts.
  • Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  • Please refer to the Business Account and Electronic Services Agreement for further disclosures.
  • Please call (256) 837-6110 or 1-800-234-1234 (long distance only) for current rate information, 24 hours a day.
  • Federally insured by NCUA.
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