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Rates

Home Rates

Loan Rates

New Car and Used Car Model Year 2019 and Newer

Rates Effective: 4/15/2024

TermAPR
0 to 36 months5.44%
37 to 66 months5.69%
67-75 Months6.09%
76-84 Months – New Only7.44%

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 2018 and Older

Rates Effective: 4/15/2024

TermAPR
Used Car – varies by model year and term8.44%

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

Rates Effective: 2/26/2024

TermAPR
New: 0 to 60 months5.99%
Used: 0 to 60 months6.99%

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)

Rates Effective: 10/16/2023

TermAPR
0 to 84 months4.24%
85 to 120 months – Minimum $15,0006.24%
121 to 180 months – Minimum $25,0007.24%

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 (2018 & Newer)

Rates Effective: 10/16/2023

TermAPR
0 to 84 months5.24%
85 to 120 months – Minimum $15,0007.24%
121 to 180 months – Minimum $25,0008.24%

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

Rates Effective: 5/20/2024

TermAPR
Share Secured5.50%
Line of Credit – Variable14.25%
Unsecured Fixed12.24%

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

Rates Effective: 3/18/2024

TermAPR
15 Year – Fixed6.00%
20 Year – Fixed6.38%
30 Year – Fixed6.49%

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

Rates Effective: 3/18/2024

TermAPR
up to 5 years6.00%
up to 10 years6.25%
up to 15 years6.50%
up to 20 years7.50%

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

Rates Effective: 9/1/2023

TermAPR
*6-Month Introductory Rate2.49%
**Regular, Variable8.25%

*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.

All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.


Credit Card Rates

Cash Rewards Visa® Credit Card

Rates Effective: 5/25/2023

Cash Rewards Visa® Credit Card:APR
Variable15.49% to 18.00%
Non-Variable18.00%

Based on credit worthiness. Interest determined by credit rating and other underwriting factors. Rates subject to change without notice.

Platinum Visa® Credit Card

Rates Effective: 7/1/2018

TypeAPR
Platinum Visa® Credit Card, Non-Variable7.90% 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

Rates Effective: 7/1/2018

TypeAPR
Young Adult Visa® Credit Card, Non-Variable11.25%

Rate subject to change without notice.


Certificate Rates

Riverfront can help you grow your money like never before!

Earn 5.15% APY* when you open a 12-month Riverfront certificate for as little as $100. Chat with us today!

*APY (Annual Percentage Yield). APY accurate as of June 1, 2024, 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. At time of maturity, share certificates will renew into the original term at the prevailing APR offered at that time. For more information, please refer to Riverfront’s Master Account Agreement Part 2. Other restrictions may apply.

Certificates – Minimum $100

Rates Effective: 4/1/2024

TermAPY*
3 months4.65%
6 months5.00%
12 months5.15%
18 months4.60%
24 months4.60%
30 months4.05%
36 months4.05%
48 months4.00%
60 months4.00%

*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.

Traditional IRA Certificate – Minimum $100

Rates Effective: 4/1/2024

TermAPY*
3 months4.65%
6 months5.00%
12 months5.15%
18 months4.60%
24 months4.60%
30 months4.05%
36 months4.05%
48 months4.00%
60 months4.00%

*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.

Roth IRA Certificate – Minimum $100

Rates Effective: 4/1/2024

TermAPY*
3 months4.65%
6 months5.00%
12 months5.15%
18 months4.60%
24 months4.60%
30 months4.05%
36 months4.05%
48 months4.00%
60 months4.00%

*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.


Deposit Rates

Savings Account

Rates Effective: 3/1/2024

TermAPY1
Primary20.25%
Escrow0.25%
Club Account0.25%
Checking0.10%

1APY = Annual Percentage Yield
2$5 minimum balance is required to maintain a Savings account.

Traditional Money Market

Rates Effective: 6/1/2024

Required BalanceAPY*
$500.00 to $4,999.991.50%
$5,000.00 to $9,999.991.50%
$10,000.00 or more1.00%

*APY = Annual Percentage Yield

Step-Up Money Market

Rates Effective: 4/1/2024

Required BalanceAPY*
$5,000.00-$10,000.001.50%
$10,000.01-$25,000.001.50% – 1.53%
$25,000.01-$100,000.001.53% – 1.58%
$100,000.01-$250,000.001.58% – 1.62%
$250,000.01 and above1.62% – 1.66%

*APY = Annual Percentage Yield

Preferred Step-Up Money Market

Rates Effective: 4/1/2024

Required BalanceAPY*
$5,000.00-$10,000.002.60%
$10,000.01-$25,000.002.60% – 2.75%
$25,000.01-$100,000.002.75% – 3.01%
$100,000.01-$250,000.003.01% – 3.07%
$250,000.01 and above3.06% – 3.08%

*APY = Annual Percentage Yield

Traditional and Roth IRA

Rates Effective: 6/1/2024

Required BalanceAPY*
$100.00 to $4,999.991.50%
$5,000.00 to $9,999.991.50%
$10,000.00 or more1.00%

*APY = Annual Percentage Yield

Education Savings Account (CESA)

Rates Effective: 6/1/2024

Required BalanceAPY*
$100.00 to $4,999.991.50%
$5,000.00 to $9,999.991.50%
$10,000.00 or more1.00%

*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are subject to change without notice.

All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.