Online Banking

Rates

Savings

Effective Date: Saturday, November 29, 2014

Type
Rate
APY*
Minimum Balance to Earn Dividend
Share
0.10%
0.10%
$5.00
High Yield
0.10%
0.10%
$5 to $2,499.99
"
0.15%
0.15%
$2,500 to $9,999.99
"
0.20%
0.20%
$10,000 to $24,999.99
"
0.25%
0.25%
$25,000 to $49,999.99
"
0.30%
0.30%
$50,000 and above
IRA Savings
0.25%
0.25%
$5.00
Holiday Savings
0.10%
0.10%
$5.00
Vacation Savings
0.10%
0.10%
$5.00

* Annual Percentage Yield (APY) subject to change. Christmas Club funds disbursed October 1st into designated account.

Regular CD & IRA CD

Effective Date: Saturday, November 29, 2014

Type
Rate
APY*
Minimum Balance to Open
6 Months
0.20%
0.20%
$500.00
12 Months
0.30%
0.30%
$500.00
24 Months
0.50%
0.50%
$500.00
36 Months
0.75%
0.75%
$500.00
48 Months
1.00%
1.00%
$500.00
60 Months
1.20%
1.20%
$500.00

* Annual Percentage Yield (APY) subject to change. Early withdrawal penalty may apply. Consult the Truth in Savings Disclosure for more information on these products.

Auto Loan (New)

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 60 Months
2.49%
72 Months
2.69%
84 Months
2.99%

Auto Loan (Used)

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 60 Months
2.99%
72 Months
3.25%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms available. Rates apply to vehicles 2004 and newer. Loan requests less than $5,000 will have a maximum term of 48 months. Minimum financing amount may be required. 84 month financing for new vehicles over $40,000 only.

Recreational Vehicle

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 60 Months
4.50%
72 Months
4.70%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms available. Rates apply to boats, RVs, motorcycles, ORVs, and personal watercrafts 2000 and newer. Loan requests less than $5,000 will have a maximum term of 48 months. Minimum financing amount may be required.

Recreational Vehicle - New & Used Over $25,000

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 84 Months
4.99%
120 Months/5 YR Balloon
5.20%
144 Months/5 Yr Balloon
5.40%
180 Months/5 Yr Balloon
5.75%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms available. Rates apply to boats, RVs, motorcycles, ORVs, and personal watercrafts 2000 and newer. Loan requests less than $5,000 will have a maximum term of 48 months. Minimum financing amount may be required.

Mobile Home

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
84 Months w/ 5 yr balloon
11.00%
120 Months w/ 5 yr balloon
11.75%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms available. Maximum Loan to Value of 60%. Home value appraisal may be required and must be paid up front.

Home Equity

Effective Date: Saturday, November 29, 2014

Type
Term
APR* (as low as) (as low as)
Line of Credit*
Revolving
4.00%
Fixed - Max LTV 80%**
84 Months
5.99%
"
120 Months
5.99%

* Annual Percentage Rate (APR) subject to change based on published Wall Street Journal Prime Rate. Rate may not apply to all borrowers, other rates and terms available. Home value appraisal may be required and must be paid up front. The draw period is 7 years.

Personal Loans

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 48 Months
8.00%
60 Months
8.10%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms may be available.

Line of Credit

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Line of Credit
9.25%

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms may be available.

Share Secure

Effective Date: Saturday, November 29, 2014

Term
APR* (as low as)
Up to 60 Months
3.30% above the Share Rate

* Annual Percentage Rate (APR) subject to change. Rate may not apply to all borrowers, other rates and terms may be available. Access limitations will be placed on Shares used to secure this loan.

Contact Us

Email:
info@rivertowncu.org

Phone:
616.406.2480
800.821.0972

Fax:
Grandville Location: 616.531.3670
Wyoming Location: 616.247.0443
 

Lost/Stolen Cards:
Visa Customer Service – 1.866.820.4892
MasterCard Debit Lost/Stolen – 888.241.2510

Re-Order Checks:
800.355.8123

Routing Number:
272486203

NCUA