Rates effective as of December 16, 2024.
All Credit Union loan and deposit rates, terms and conditions are subject to change at any time without notice.
Loan Rates
New Car and Used Car Model Year 2020 and Newer
| Term | APR |
|---|---|
| 0 to 36 months | 5.04% |
| 37 to 66 months | 5.29% |
| 67-75 Months | 5.69% |
| 76-84 Months – New Only | 7.04% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
Used Car Loan Model Year 2019 and Older
| Term | APR |
|---|---|
| Used Car – varies by model year and term | 8.04% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
Motorcycle Loan
| Term | APR |
|---|---|
| New: 0 to 60 months | 5.99% |
| Used: 0 to 60 months | 6.99% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
New RV & Boat (New Only)
| Term | APR |
|---|---|
| 0 to 84 months | 4.24% |
| 85 to 120 months – Minimum $15,000 | 6.24% |
| 121 to 180 months – Minimum $25,000 | 7.24% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
Used RV & Boat (2019 & Newer)
| Term | APR |
|---|---|
| 0 to 84 months | 5.24% |
| 85 to 120 months – Minimum $15,000 | 7.24% |
| 121 to 180 months – Minimum $25,000 | 8.24% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
Personal Loan
| Term | APR |
|---|---|
| Share Secured | 5.50% |
| Line of Credit – Variable | 13.50% |
| Unsecured Fixed | 11.99% |
Rates listed are our best rates on approved credit. The actual interest rate offered may be higher, depending on the applicant’s credit rating, term, and other underwriting factors. Rates are subject to change without notice.
Mortgage
| Term | APR |
|---|---|
| 15 Year – Fixed | 5.15% |
| 20 Year – Fixed | 5.53% |
| 30 Year – Fixed | 5.64% |
Zero points paid for advertised rates. APR based on $100,000 loan amount. Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors can affect the final interest rate. These are our best rates and adjustments to the rates may pertain based upon credit score, LTV, debt ratio and purpose of loan. Call 800-451-3477 for information specific to your circumstances.
Home Equity Loan
| Term | APR |
|---|---|
| up to 5 years | 5.50% |
| up to 10 years | 5.75% |
| up to 15 years | 6.00% |
| up to 20 years | 7.00% |
Rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates subject to change without notice.
Home Equity Line of Credit – Real Estate Secured
| Term | APR |
|---|---|
| *6-Month Introductory Rate | 2.49% |
| **Regular, Variable | 7.50% |
*APR = Annual Percentage Rate. A special APR of 2.49% for the first six months with a $10,000 minimum advance. The introductory APR will automatically terminate at the end of the 6-month period. Home Equity Line of Credit rates are based on the Prime Rate as published in The Wall Street Journal on the 3rd Tuesday of each month plus or minus a margin with a floor rate of 3.5%. Your APR may vary. Property insurance is required. With a $10,000 initial advance we will waive all basic property search and recording fees, excluding appraisal fee. Payments may be tax deductible, consult your tax advisor. All loans are subject to credit approval. Other restrictions may apply.
Credit Card Rates
Cash Rewards Visa® Credit Card
| Cash Rewards Visa® Credit Card: | APR |
|---|---|
| Variable | 14.74% to 17.74% |
| Non-Variable | 18.00% |
Based on credit worthiness. Interest determined by credit rating and other underwriting factors. Rates subject to change without notice.
Platinum Visa® Credit Card
| Type | APR |
|---|---|
| Platinum Visa® Credit Card, Non-Variable | 7.90% to 17.25% |
Interest rate determined by credit rating and other underwriting factors. Rates subject to change without notice.
Young Adult Visa® Credit Card – ages 18 through 25
| Type | APR |
|---|---|
| Young Adult Visa® Credit Card, Non-Variable | 11.25% |
Rate subject to change without notice.
Certificate Rates
Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational – Minimum $100
| Term | APY* |
|---|---|
| 3 months | 4.05% |
| 6 months | 4.55% |
| 12 months | 4.25% |
| 18 months | 4.05% |
| 24 months | 3.95% |
| 30 months | 3.50% |
| 36 months | 3.70% |
| 48 months | 3.70% |
| 60 months | 3.70% |
*APY (Annual Percentage Yield). APY accurate as of above effective date and subject to change. APY is fixed to maturity. Minimum balance requirement is $100.00. A certificate account pays the highest dividends when reinvesting the dividends in the account until maturity, Subject to an early withdrawal penalty. For more information please refer to Riverfront’s Master Account Agreement Part 2.
Preferred Certificates: Regular, Traditional IRA, Roth IRA, Education Savings – Minimum $100
| Term | APY* |
|---|---|
| 3 months | 4.15% |
| 6 months | 4.65% |
| 12 months | 4.35% |
| 18 months | 4.15% |
| 24 months | 4.05% |
| 30 months | 3.60% |
| 36 months | 3.80% |
| 48 months | 3.80% |
| 60 months | 3.80% |
*APY (Annual Percentage Yield). APY accurate as of above effective date and subject to change. APY is fixed to maturity. Minimum balance requirement is $100.00. A certificate account pays the highest dividends when reinvesting the dividends in the account until maturity, Subject to an early withdrawal penalty. For more information please refer to Riverfront’s Master Account Agreement Part 2.
Preferred Program Features
The Preferred Program is available only for personal accounts for members 18 and older with an account open at least sixty (60) days. Fiduciary accounts, organizational accounts, DBA and Trust accounts are not eligible. Preferred Program benefits are determined on a monthly basis. In order to qualify for a particular monthly qualification cycle, the account must have at least fifteen (15) combined purchase transactions with your debit or credit card. In addition, you must satisfy one of the following two criteria: 1) Average daily balance or month-end balance of all deposit accounts is $5,000 or more (collection accounts, escrow accounts and non-member funds not included); or 2) month-end loan balance is $20,000 or more. Month-end loan balance is determined based on the unpaid principal balance of all non-delinquent credit cards and lines of credit, and the original loan amount of all non-delinquent installment loans that have not been paid in full. Education loans, business loans and mortgages not serviced by Riverfront Credit Union are excluded. Debit and credit card transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). A monthly qualification cycle for debit and credit cards begins on the 26th day of the prior month and ends on the 25th day of the current month.
Preferred Certificates
In order to start a Preferred Certificate or Preferred IRA Certificate you must qualify for the Preferred Program at the time you start the account and also at maturity for the account to renew to the same account type. Dividends will be calculated and paid on the last day of each cycle. If you do not meet the qualifications, the account will earn the dividend rates of the regular Certificate account. If you do not meet qualifications at maturity the account will renew to a nonpreferred certificate.
Deposit Rates
Savings Account
| Term | APY1 |
|---|---|
| Primary2 | 0.25% |
| Escrow | 0.25% |
| Club Account | 0.25% |
| Checking | 0.10% |
1APY = Annual Percentage Yield
2$5 minimum balance is required to maintain a Savings account.
Traditional Money Market
| Required Balance | APY* |
|---|---|
| $500.00 to $4,999.99 | 1.30% |
| $5,000.00 to $9,999.99 | 1.30% |
| $10,000.00 or more | 1.30% |
*APY = Annual Percentage Yield
Step-Up Money Market
| Required Balance | APY* |
|---|---|
| $5,000.00-$10,000.00 | 1.30% |
| $10,000.01-$25,000.00 | 1.30% – 1.45% |
| $25,000.01-$100,000.00 | 1.45% – 1.56% |
| $100,000.01-$250,000.00 | 1.56% – 1.62% |
| $250,000.01 and above | 1.61% – 1.66% |
*APY = Annual Percentage Yield
Preferred Step-Up Money Market
| Required Balance | APY* |
|---|---|
| $5,000.00-$10,000.00 | 2.50% |
| $10,000.01-$25,000.00 | 2.50% – 2.65% |
| $25,000.01-$100,000.00 | 2.65% – 2.91% |
| $100,000.01-$250,000.00 | 2.91% – 2.97% |
| $250,000.01 and above | 2.96% – 2.98% |
*APY = Annual Percentage Yield
Preferred Program Features
The Preferred Program is available only for personal accounts for members 18 and older with an account open at least sixty (60) days. Fiduciary accounts, organizational accounts, DBA and Trust accounts are not eligible. Preferred Program benefits are determined on a monthly basis. In order to qualify for a particular monthly qualification cycle, the account must have at least fifteen (15) combined purchase transactions with your debit or credit card. In addition, you must satisfy one of the following two criteria: 1) Average daily balance or month-end balance of all deposit accounts is $5,000 or more (collection accounts, escrow accounts and non-member funds not included); or 2) month-end loan balance is $20,000 or more. Month-end loan balance is determined based on the unpaid principal balance of all non-delinquent credit cards and lines of credit, and the original loan amount of all non-delinquent installment loans that have not been paid in full. Education loans, business loans and mortgages not serviced by Riverfront Credit Union are excluded. Debit and credit card transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). A monthly qualification cycle for debit and credit cards begins on the 26th day of the prior month and ends on the 25th day of the current month.
Preferred Step Up Money Market Accounts
Dividends will be calculated and paid on the last day of each cycle. If you do not meet the qualifications, the account will earn the dividend rates of the regular Step-Up Money Market account.
Traditional and Roth IRA
| Required Balance | APY* |
|---|---|
| $100.00 to $4,999.99 | 1.30% |
| $5,000.00 to $9,999.99 | 1.30% |
| $10,000.00 or more | 1.30% |
*APY = Annual Percentage Yield
Education Savings Account (CESA)
| Required Balance | APY* |
|---|---|
| $100.00 to $4,999.99 | 1.30% |
| $5,000.00 to $9,999.99 | 1.30% |
| $10,000.00 or more | 1.30% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are subject to change without notice.
