The Search for Great Rates Ends Here

If you’re looking for excellent rates on credit cards, loans, mortgages, and more, look no further. We have the competitive rates you’re looking for. Check the tables below to see what’s available.

Mortgage Rates   |   Savings Rates   |    Loan Rates  |    Calculators

All rates are subject to change at any time without notice.


Vehicles - Effective as of 9/23/14

New Car, Light Truck, Van or SUV

2013 - 2014 model years. Maximum loan $100,000, Maximum mileage 4,000.

Term APR*
Starting at
Payment per Thousand Note
36 1.75% $28.53
48 1.75% $21.59
60 1.75% $17.42
72 2.50% $14.97
84 3.99% $13.66

Used Car, Light Truck, Van or SUV

2011 - 2014 model years. Maximum loan $100,000.

Term APR*
Starting at
Payment per Thousand Note
36 1.75% $28.53
48 1.75% $21.59
60 1.75% $17.42
72 2.99% $15.19
84 4.25% $13.78

Used Car, Light Truck, Van or SUV

2008 - 2010 model years. Maximum loan $100,000.

Term APR*
Starting at
Payment per Thousand Note
36 1.75% $28.53
48 1.75% $21.59
60 1.75% $17.42
72 2.99% $15.19 Up to 90% financing only
84 4.25% $13.87 Up to 90% financing only

Used Car, Light Truck, Van or SUV 2007 and older

2007 and older model years. Maximum loan $20,000. Up to 90% financing only.

Term APR*
Starting at
Payment per Thousand Note
36 3.99% $29.52
48 4.50% $22.80
60 4.99% $18.87

New Motorcycle

Maximum loan $50,000

Term APR*
Starting at
Payment per Thousand Note
48 3.50% $22.36
60 3.50% $18.19
72 4.375% $15.82
84 4.625% $13.96

Used Motorcycle

Maximum loan $50,000

Term APR*
Starting at
Payment per Thousand Note
48 3.99% $22.57
60 4.50% $18.64
72 4.99% $16.10

New & Used Boat/RV

Maximum loan $60,000 Boat; $60,000 RV.

Term APR*
Starting at
Payment per Thousand Note
48 5.50% $23.26
72 5.99% $16.57

Personal (Signature)

Term APR*
Starting at
Payment per Thousand Note
12 8.50% $87.22
24 9.50% $45.91
36 9.50% $32.03
48 9.50% $25.12
60 10.50% $21.49
72 10.99% $19.03 Minimum loan $7,500, Maximum loan $20,000
84 11.25% $44.89 Minimum loan $7,500, Maximum loan $20,000

Vacation/Holiday

Maximum loan $2,500

Term APR*
Starting at
Payment per Thousand Note
24 7.25% $44.89

Main Share Secured

Maximum loan $500,000. (Variable Rate)++

Term APR** Payment per Thousand Note
60 3.20% $18.15

Overdraft Protection

Maximum loan $5,000.

Term APR** Payment per Thousand Note
13.75% Monthly payment - Greater of $50.00 or 2 1/2% of outstanding balance.

VISA Platinum - Effective as of 7/9/14

Maximum line $25,000.

Type APR
Purchases 9.99%
Cash Advances++ 8.24%

VISA Gold - Effective as of 7/9/14

Maximum line $25,000

Type APR
Purchases 10.99%
Cash Advances++ 8.24%

VISA Classic - Effective as of 7/9/14

Maximum line $10,000

Type APR
Purchases 11.99%
Cash Advances++ 8.24%

First Mortgages, Effective as of 9/10/14

10-Year Term

Rate Points APR* Payment per $1,000
2.875% 1 3.112% $9.60
3.000% 0 3.030% $9.66
3.500%** 0 3.530% $9.89

15-Year Term

Rate Points APR* Payment per $1,000
3.125% 1 3.289% $6.97
3.375% 0 3.395% $7.09
3.875%** 0 3.896% $7.33

30-Year Term

Rate Points APR* Payment per $1,000
4.125% 1 4.244% $4.85
4.250% 0 4.265% $4.92
4.750%** 0 4.765% $5.22

Adjustable Rate Mortgages (ARM)*** Effective as of 9/10/14

3-Year ARM, 30-Year Term

Rate Points APR* Payment per $1,000
2.500% 1 3.450% $3.89
2.750% 0 3.438% $4.02
3.250%** 0 3.551% $4.28

30-Year Term, 5/1

5-Year Fixed, 25-Year ARM

Rate Points APR* Payment per $1,000
2.875% 1 2.973% $4.08
3.125% 0 2.983% $4.22
3.625%** 0 3.150% $4.49

30-Year Term, 7/1

7 -Year Fixed, 23-Year ARM

Rate Points APR* Payment per $1,000
3.125% 1 3.081% $4.22
3.375% 0 3.118% $4.35
3.875%** 0 3.354% $4.63

Jumbo Loans, Effective as of 9/10/14

15-Year Term

Rate Points‡ APR* Payment per $1,000
3.250% 1 3.415% $7.03
3.500% 0 3.521% $7.15
4.00%§ 0 4.021% $7.40

10-Year Term

Rate Points‡ APR* Payment per $1,000
3.000% 1 3.238% $9.66
3.125% 0 3.030% $9.71
3.625%§ 0 3.530% $9.95

Adjustable 30-Year Term, 5/1***

5-Year Fixed, 25-Year ARM

Rate Points‡ APR* Payment per $1,000
3.000% 1 2.998% $4.22
3.250% 0 3.017% $4.35
3.750%§ 0 3.194% $4.63

Adjustable 30-Year Term, 7/1***

7-Year Fixed, 23-Year ARM

Rate Points‡ APR* Payment per $1,000
3.250% 1 3.059% $4.35
3.500% 0 3.176% $4.49
4.00%§ 0 3.194% $4.77

3-Year ARM, 30-Year Term***

Rate Points‡ APR* Payment per $1,000
2.625% 1 3.573% $4.02
2.875% 0 3.543% $4.15
3.375%** 0 3.625% $4.42

READY LINE Variable Rate - Effective 7/9/14

Type Rate Points APR*
10 Year Draw / 10 Year Repayment Period 4.00% 0 4.00%

PRIME Home Equity - Effective 9/12/14

Type Rate Points APR*
10 Year Draw / 10 Year Repayment Period 3.25% 0 3.25%

Fixed Rates Home Equity/Home Improvement - Effective 7/9/14

Type APR* Points Cost per $1,000
Up to 60 Months 2.75% 0 $17.86
61 - 120 Months 3.99% 0 $10.12
121 - 180 Months 4.25% 0 $7.52
181 - 240 Months 5.50% 0 $6.88

Share Savings - Effective 7/9/14

Type APY** Dividend Rate Minimum Balance
Main Share 0.20% 0.20% $25
Checking, Basic 0.00% 0.00% $0
Checking, Dividend 0.20% 0.20% $0
Holiday/Vacation Club 0.50% 0.50% $0
Home Buyer Savings Account 0.20% 0.20% $0
IRA Savings 0.50% 0.50% $0

Money Market - Effective 7/9/14

Type APY** Dividend Rate Minimum Balance
$75,000+ 0.50% 0.50% $75,000
$50,000 - 74,999 0.40% 0.40% $50,000
$25,000 - 49,999 0.35% 0.35% $25,000
$2,500 - 24,999 0.25% 0.25% $2,500

Business Checking

Type APY** Dividend Rate Minimum Balance
Value Checking 0.00% 0.00% $0
Premier Checking 0.00% 0.00% $0

Savings & IRA Certificates - Effective 7/9/14

Term APY ($1,000-49,999)** Dividend Rate APY ($50,000+)** Dividend Rate
60 1.50% 1.49% 1.70% 1.69%
48 1.30% 1.29% 1.50% 1.49%
36 1.20% 1.19% 1.45% 1.44%
24 1.00% 1.00% 1.20% 1.19%
12 0.50% 0.50% 0.70% 0.70%
6 0.40% 0.40% 0.45% 0.45%
3 0.25% 0.25% 0.30% 0.30%

Earned Rate Program: Minimum loan amount is $750.00 and minimum loan payment is at least $50.00 per month. The following disclosure applies to all loan types except the Overdraft Protection and Share Secured Loans.

* APR = Annual Percentage Rate. The APRs you receive will be within the range disclosed above and is based on your credit history. The APRs quoted in this table reflect a 1.00% APR discount for direct deposit of net pay, Social Security, or pension benefits coupled with automatic payment. Rates are accurate as the date listed, subject to change and replace all previously quotedAPRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice. $50 vendor single interest (VSI) premium charge will be added to loan amount.

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.

**APR=Annual Percentage Rate.

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

 

Equal Opportunity Lender.

+++ Credit card cash advance rates are a variable which are based on the month-end prime lending rate as published in the Wall Street journal on the last business day of the month plus 4.99%. Minimum loan amount is $750.00 and minimum loan payment is $50.00 per month.

We do business in accordance with the S.A.F.E. Act and are registered with the NMLS (Nationwide Mortgage Licensing System & Registry).  Learn more about NMLS and verify our registration.

EQUAL OPPORTUNITY LENDER
JUMBO LOAN AMOUNTS:  Maximum loan amounts may range from $625,000 on single family homes up to $801,950 on 4 unit properties.  Call for details. Add ¼% fee.

We also offer special First Time Home Buyer and 5% down mortgage programs. Ask for details!

* Annual Percentage Rate based on loan amount of $200,000
** 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.
‡ Choosing a zero or one point program does not preclude fees from being added as points based on your credit score, subordinate financing, loan-to-value ratio or other factors unique to your transaction.
§ No closing cost program minimum loan amount of $100,000

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 5% down, and 10% on vacation homes. Your rate and points may be different based on your credit score, subordinate financing, loan-to-value ratio, or other factors unique to your transaction. Call for details on all programs 1-800-338-0221, ext. 9859. Rates subject to change without notice.

Payment example: Borrow $100,000 at 4.00% for 30 years and your payment per thousand would be $4.77. Multiply that factor by 100 (100,000/1,000) to estimate your monthly payment of $477.00.

 

*APR = Annual Percentage Rate
The APRs and rates quoted reflect a 1.00% 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.

†Adjustment Cap: Periodic, 2.00% – Lifetime, 6.00%

Ready Line Variable Equity Line (HELOC)
Maximum amount $250,000.00, minimum amount $20,000.00. Borrow up to 80% of your 1-4 family home’s value or your condominium’s value (less your present mortgage) in MA, ME, NH & RI. However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 85%. Application fee is waived. Closing costs are waived. Restrictions may apply, call for details.

Prime Variable Equity Line (HELOC)
Maximum amount $250,000.00, minimum amount $25,000.00. Prime rate is subject to change monthly and based on the prime lending rate listed in The Wall Street Journal. Borrow up to 80% of your 1-4 family home’s value or your condominium’s value (less your present mortgage) in MA, ME, NH & RI.  Application fee is waived. Closing costs are waived with an advance of $25,000 or more (outstanding for six months) with direct deposit of pay or retirement benefits of $500 or more each  month into RTN. Monthly loan payment is only the greater of $100 or the amount of interest accrued during the previous month for the first 10 years. Restrictions may apply, call for details.

Fixed Rate Home Equity
Maximum amount $250,000.00, minimum amount $15,000.00.
Borrow up to 80% of your 1-4 family home’s value or your condominium’s value (less your present mortgage) in MA, ME, NH & RI. However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 85%. Application fee is waived. Closing costs are waived. Member responsible for mortgage recording fee on Home Improvement/Fixed Rate Home Equity Loans. Restrictions may apply, call for details.

Home Improvement
Maximum amount $250,000.00, minimum amount $5,000.00 Borrow up to 80% of your 1 – 4 family home’s value or your condominium’s value (less your present mortgage). However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 85%. The application fee and closing costs are waived. Member responsible for mortgage recording fee on Home Improvement/Fixed Rate Home Equity Loans. Restrictions may apply. Call the Mortgage Department at 1-800-338-0221, ext. 9859, call for details and current APRs.

*APR = Annual Percentage Rate
The APRs and rates quoted reflect a 1.00% 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.

**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 (savings) accounts. Contact Member Services at 1-800-338-0221.

 

Share Certificates:
** 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 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.