Loans  |  Mortgage & Home Equity  |  Savings  |  Savings Certificates

 Mortgage and vehicle loan rates have been slashed! Click here to calculate your new loan payment!

All rates are subject to change at any time without notice. See bottom of each section for complete terms and conditions.

Consumer Loans 
Autos, Trucks, SUVs, Vans, Motorcycles, Recreational Vehicles, Personal Loans & Credit Cards

Loan Type	Estimated Term in Months	APR*	Cost Per  Thousand
New Car, Light Truck, Van or SUV**	36	4.50%	$29.75
2008 - 2007 model years, maximum 4,000 miles	48	4.99%	$23.02
Maximum loan: $65,000	60	5.50%	$19.10
	72	5.99%	$16.57
	84	6.375%	$14.79
Used Car, Light Truck, Van or SUV**	36	4.75%	$29.86
2002 - 2008 model years	48	5.25%	$23.14
Maximum loan: $65,000	60	5.75%	$19.22
	72	6.25%	$16.69
	84	6.625%	$14.91
Used Car, Light Truck, Van or SUV**	36	10.99%	$32.73
2001 and older model years	48	10.99%	$25.84
	60	10.99%	$21.74
	72	11.75%	$19.42
	84	11.75%	$17.52
New Motorcycle**	48	5.99%	$23.48
Maximum loan: $40,000	60	6.25%	$19.45
	72	6.625%	$16.87
	84	6.99%	$15.09
Used Motorcycle**	48	6.25%	$23.60
Maximum loan: $40,000	60	6.625%	$19.62
	72	6.99%	$17.04
	84	7.25%	$15.22
New Boat**	48	7.25%	$24.06
Maximum loan: $45,000	72	7.75%	$17.41
Used Boat**	48	7.50%	$24.18
Maximum loan: $45,000	72	7.99%	$17.53
New Recreational Vehicle (RV)**	48	7.25%	$24.06
Maximum loan: $50,000	72	7.75%	$17.41
Used Recreational Vehicle (RV)**	48	7.50%	$24.18
Maximum loan: $50,000	72	7.99%	$17.53
Personal (Signature)**	12	10.25%	$88.03
Maximum loan Amount: $20,000	24	11.25%	$46.72
	36	11.99%	$33.21
	48	11.99%	$26.33
	60	11.99%	$22.24
Minimum loan amount: $7,500	72	12.75%	$19.94
Minimum loan amount: $7,500	84	12.75%	$18.06
Vacation / Holiday ** Maximum loan: $2,500	24	9.99%	$46.14
Unsecured Line of Credit (open end)† Maximum loan $10,000	N/A	12.50%
Savings Secured (variable rate)††	60	3.40%
Overdraft Protection Maximum loan: $5,000†††	N/A	13.75%
VISA Platinum  Maximum line: $25,000
Purchases	N/A	9.99%
Cash Advances†††	N/A	8.24%
VISA Gold  Maximum line: $25,000
Purchases	N/A	10.99%
Cash Advances†††	N/A	8.24%
VISA Classic Maximum line: $10,000
Purchases	N/A	11.99%
Cash Advances†††	N/A	8.24%

 
* APR = Annual Percentage Rate.

** The APRs and rates quoted on these loans reflect a 3/4% APR discount for direct deposit of net pay, Social Security or pension benefits coupled with automatic payment, are accurate as of the date printed above, subject to change, and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice.

† Only available to members with existing Line of Credit

†† APR may increase or decrease during the term of the loan based on an increase or decrease of the Credit Union's Main Share account dividend rate (index) plus 3% (margin). The rate will not increase or decrease more than once per month. Any increase will take the form of a larger amount at final payment.

††† Minimum monthly payment - Greater of $50.00 or 2 1/2% of outstanding balance.

†††† Variable rate - Based on the month-end prime lending rate as published in The Wall Street Journal on the last business day of the month plus 2.99%.

Minimum loan amount is $750.00 and minimum loan payment is $50.00 per month. All new auto, motorcycle, boat and RV loans will be based on 100% MSRP plus tax and title. All used auto, motorcycle, boat and RV loans will be based on 100% NADA book value plus tax and title.

 Go To Loan Application | Go To Calculators | Back to Top  

Blended Rate & Adjustable Rate (ARM)***	Rate	Points	APR
Blended Rate - 3 Year ARM	4.875%	1	4.963%
	5.125%	0	4.935%
	5.500%**	0	5.025%
Blended 30 Year Term 5/1 †	5.125%	1	4.740%
5 Year Fixed	5.375%	0	4.746%
25 Year ARM	5.750%**	0	4.889%
Blended 30 Year Term 7/1 †	5.250%	1	4.892%
7 Year Fixed	5.500%	0	4.928%
23 Year ARM	5.875%**	0	5.118%

JUMBO loans up to $625,000 on single family homes. Add 1/4% to Blended Rate or ARM rates.

We also offer special First Time Home Buyer and 100% Plus Mortgage Programs. Ask for details!

* Annual Percentage Rate
** No closing cost program, minimum loan amount of $100,000
*** Adjustable Rate Mortgage (ARM) with 2% periodic adjustment cap, 6% lifetime cap. Rate is subject to change after consummation.

Above rates are based on single family primary home purchase in New England with 20% down to a member with excellent credit. Loans are also available with as little as 0% down, and on vacation homes. Your rate/points may be different based on credit score and specifics of your transaction. Call for details on all programs 1 800 338-0221. Rates subject to change without notice.

Payment example: Borrow $100,000 at 5.75% for 30 years and your payment per thousand would be $5.84. Multiply that factor by 100 (100,000/1,000) to estimate your monthly payment of $584.00.

Home Equity, Fixed Rates  (No closing costs; recording fees vary by county Registry of Deeds)	Rate	Points	APR*
Up to 60 Months	5.50%	0	5.50%
61 - 120 Months	5.99%	0	5.99%
121 - 180 Months	6.25%	0	6.25%
181 - 240 Months	6.75%	0	6.75%

Home Equity READY LINE Variable Rate  (Rate below reflects prime rate less 1/2%)	Rate	Points	APR*
10 Year Draw  / 10 Year Repayment Period $10,000 Minimum Advance - No Closing Costs	4.50%	0	4.50%

Home Improvement, Fixed Rates (No closing costs; recording fees vary by county Registry of Deeds fee)	Rate	Points	APR*
Up to 60 Months	5.50%	0	5.50%
61 - 120 Months	5.99%	0	5.99%
121 - 180 Months	6.25%	0	6.25%
181 - 240 Months	6.75%	0	6.75%

Above mortgage rates are based on owner occupied homes in New England with 20% down. Loans available with as little as 0% down and vacation homes. Call for details on all programs 1-800-338-0221.

*APR = Annual Percentage Rate
The APRs and rates quoted reflect a 3/4% APR discount for direct deposit of net pay, Social Security or pension benefits coupled with automatic payment from your RTN FCU account, are accurate as of the date printed above, subject to change, and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice.

**No closing cost program, minimum loan is $100,000
†Adjustment Cap: Periodic, 2.00% - Lifetime, 6.00%

Jumbo Loans
Jumbo adjustable loans are available up to $625,000 on single family homes. Add 1/4% to Blended Rate or Adjustable Rate Mortgage programs.

Fixed Rate Home Equity
Maximum amount $150,000.00, minimum amount $15,000.00.
Borrow up to 85% of your 1-4 family home's value, or 75% of your condominium's value (less your present mortgage) in MA, ME, NH & RI.  Application fee is waived. Closing costs are waived.
Restrictions may apply, call for details.

Home Improvement
Maximum amount $150,000.00, minimum amount $5,000.00
Borrow up to 85% of your 1 - 4 family home's value, or 75% of your condominium's value (less your present mortgage). The application fee and closing costs are waived. Restrictions may apply. Call the Mortgage Department at 1-800-338-0221, ext. 9859, call for details and current APRs.

 Savings, Clubs, Home Buyer Savings & IRA Accounts

Savings Accounts	APY**	Dividend Rate	Minimum Balance
Main Savings ($25 minimum to open)	0.40%	0.40%	$50
Checking, Basic†
Checking, Dividend	0.40%	0.40%	$0
Holiday / Vacation Club-	0.89%	0.89%
Home Buyer Savings Account	0.40%	0.40%
IRA Savings	1.06%	1.05%
Money Market	APY**	Dividend Rate	Minimum Balance
Balance of:
$100,000 and over	2.75%	2.72%	$100,000
$75,000 to $99,999	2.40%	2.37%	$75,000
$50,000 to $74,999	2.30%	2.28%	$50,000
$25,000 to $49,999	1.99%	1.97%	$25,000
$10,000 to $24,999	1.65%	1.64%	$10,000
$2,500 to $  9,999	1.00%	1.00%	$2,500
Business Checking
Value Checking — No mimumim balance or monthly fee			$0
Premier Checking — Low $2,500 minimum balance to waive $9.95 monthly fee			$0

  **APY = Annual Percentage Yield
^†The credit union does not provide a dividend on basic checking.

The annual percentage yields (APYs) are accurate as of the date printed above, subject to change, and replace all previously quoted APYs. The dividend rates and APYs for the above-mentioned share accounts may change every month as determined by the credit union board of directors. The APY is based on the assumption that funds remain on deposit. Fees could reduce the earnings on the share accounts. Contact Member Services at 1-800-338-0221 or info@rtn.org for current APYs.

Go To Loan Application | Go To Calculators | Back to Top  

 Savings & IRA Certificates
Coverdell Savings Accounts, IRA & Non-IRA Accounts

Term	Minimum Investment*** $1,000 - $49,999		Minimum Investment*** $50,000
	APY**	Dividend Rate	APY**	Dividend Rate
60 Months	3.20%	3.15%	3.35%	3.30%
48 Months	3.20%	3.15%	3.35%	3.30%
36 Months	3.00%	2.96%	3.15%	3.11%
24 Months	2.90%	2.86%	3.00%	2.96%
12 Months	2.80%	2.76%	2.90%	2.86%
6 Months	2.60%	2.57%	2.75%	2.72%
3 Months	2.25%	2.23%	2.40%	2.37%

  
Click here to download your savings certificate application today!

** APY = Annual Percentage Yield.
***The APYs are accurate as of the date printed on the top of this page, subject to change at any time and replace all previously-quoted APYs. Contact Member Services at 1-800-338-0221 or info@rtn.org for current APYs. $500 minimum required for Coverdell Education Savings Share Certificate. $1,000 or $50,000 minimum balance required to open a non-IRA, traditional IRA or Roth IRA share certificates and earn the annual percentage yield (APY).

Penalty for early withdrawal of funds, which can reduce the earnings on the account.

For certificate holders, you will be paid this rate until maturity. The APY is based on the assumption that funds remain on deposit. A withdrawal will reduce earnings.