The Search for Great Rates Ends Here
If you’re looking for excellent rates on credit cards, car loans, consumer 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.
Checking & Savings | Mortgages
Vehicle, Personal & Credit Cards | Home Equity, Fixed and Line of Credit
Calculators | Apply Now | Open an Account
All rates are subject to change at any time without notice.
Vehicles - Effective as of 12/07/19
New Car, Light Truck, Van or SUV
2018 - 2020 model years. Maximum loan $100,000, Maximum mileage 4,000.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 2.95% | $29.06 | |
| 48 | 2.95% | $22.11 | |
| 66 | 2.99% | $16.45 | |
| 72 | 3.95% | $15.62 | |
| 84 | 5.25% | $14.25 |
Used Car, Light Truck, Van or SUV
2016 - 2020 model years. Maximum loan $100,000.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 2.95% | $29.06 | |
| 48 | 2.95% | $22.11 | |
| 66 | 2.99% | $16.45 | |
| 72 | 3.95% | $15.62 | |
| 84 | 5.25% | $14.25 |
Used Car, Light Truck, Van or SUV
2013 - 2015 model years. Maximum loan $100,000.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 3.500% | $29.30 | |
| 48 | 3.500% | $22.36 | |
| 66 | 3.500% | $16.68 | |
| 72 | 4.990% | $16.10 | Up to 90% financing only |
| 84 | 6.125% | $14.67 | Up to 90% financing only |
Used Car, Light Truck, Van or SUV
2012 and earlier model years. Maximum loan $20,000. Up to 90% financing only.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 5.250% | $30.08 | |
| 48 | 5.750% | $23.37 | |
| 66 | 6.250% | $17.94 |
New Motorcycle
Maximum loan $50,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 48 | 4.25% | $22.69 | |
| 60 | 4.75% | $18.76 | |
| 72 | 4.99% | $16.10 | |
| 84 | 5.50% | $14.37 |
Used Motorcycle
Maximum loan $50,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 48 | 4.50% | $22.80 | |
| 60 | 4.99% | $18.87 | |
| 72 | 5.75% | $16.46 |
New & Used Boat/RV
Maximum loan $75,000 Boat; $75,000 RV.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 60 | 7.250% | $19.92 | |
| 72 | 7.875% | $17.41 | |
| 84 | 8.375% | $15.71 |
Personal (Signature)
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 12 | 9.500% | $87.68 | |
| 24 | 10.250% | $46.26 | |
| 36 | 10.500% | $32.50 | |
| 48 | 10.500% | $25.60 | |
| 60 | 10.990% | $21.74 | |
| 72 | 11.500% | $19.29 | Minimum loan $7,500, Maximum loan $20,000 |
| 84 | 11.750% | $17.52 | Minimum loan $7,500, Maximum loan $20,000 |
Holiday
Maximum loan $2,500
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 24 | 7.99*% | $45.22 |
Vacation
Maximum loan $2,500
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 24 | 7.99*% | $45.22 |
Peace of Mind
Maximum loan $12,500, Up to 72 months term.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 72 | 10.750% | $18.91 | Available during the first 60 days of membership. |
Main Share Secured
Maximum loan $500,000. (Variable Rate)++
| Term | APR** | Payment per Thousand | Note |
|---|---|---|---|
| 60 | 3.100% | $18.01 |
Overdraft Protection
Maximum loan $5,000.
| Term | APR** | Payment per Thousand | Note |
|---|---|---|---|
| 13.750% | Monthly payment - Greater of $50.00 or 2 1/2% of outstanding balance. |
VISA Platinum - Effective as of 11/1/19
Maximum line $25,000.
| Type | APR |
|---|---|
| Purchases+ | 9.99% |
| Cash Advances++ | 9.74% |
VISA Gold - Effective as of 11/1/19
Maximum line $25,000
| Type | APR |
|---|---|
| Purchases+ | 10.99% |
| Cash Advances++ | 9.74% |
VISA Classic - Effective as of 11/1/19
Maximum line $10,000
| Type | APR |
|---|---|
| Purchases+ | 11.99% |
| Cash Advances++ | 9.74% |
Fixed-Rate First Mortgages - Effective as of 10/17/19
10-Year Term
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.000% | 1 | 3.288% | $9.66 |
| 3.125% | 0 | 3.203% | $9.71 |
| 3.625%** | 0 | 3.657% | $9.95 |
15-Year Term
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.125% | 1 | 3.324% | $6.97 |
| 3.250% | 0 | 3.304% | $7.03 |
| 3.750%** | 0 | 3.773% | $7.27 |
20-Year Term
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.500% | 1 | 3.658% | $5.80 |
| 3.625% | 0 | 3.669% | $5.86 |
| 4.125%** | 0 | 4.145% | $6.13 |
30-Year Term
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.625% | 1 | 3.739% | $4.56 |
| 3.750% | 0 | 3.782% | $4.63 |
| 4.250%** | 0 | 4.265% | $4.92 |
Adjustable Rate Mortgages (ARM)*** - Effective as of 10/17/19
3-Year ARM, 30-Year Term
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.250% | 1 | 4.224% | $4.35 |
| 3.375% | 0 | 4.170% | $4.42 |
| 3.875%** | 0 | 4.273% | $4.70 |
30-Year Term, 5/1
5-Year Fixed, 25-Year ARM
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.250% | 1 | 3.998% | $4.35 |
| 3.375% | 0 | 3.961% | $4.42 |
| 3.875%** | 0 | 4.128% | $4.70 |
30-Year Term, 7/1
7 -Year Fixed, 23-Year ARM
| Rate | Points | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.500% | 1 | 4.002% | $4.49 |
| 3.625% | 0 | 3.979% | $4.56 |
| 4.125%** | 0 | 4.204% | $4.85 |
Jumbo Loans - Effective as of 11/21/19
10-Year Term
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.000% | 1 | 3.251% | $9.66 |
| 3.125% | 0 | 3.166% | $9.71 |
| 3.625%§ | 0 | 3.657% | $9.95 |
15-Year Term
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.125% | 1 | 3.299% | $6.97 |
| 3.250% | 0 | 3.279% | $7.03 |
| 3.750%§ | 0 | 3.773% | $7.27 |
20-Year Term
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.500% | 1 | 3.638% | $5.80 |
| 3.625% | 0 | 3.649% | $5.86 |
| 4.125% | 0 | 4.145% | $6.13 |
30-Year Term
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.625% | 1 | 3.724% | $4.56 |
| 3.750% | 0 | 3.768% | $4.63 |
| 4.250%§ | 0 | 4.265% | $4.92 |
Adjustable 3-Year ARM, 30-Year Term***
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.250% | 1 | 4.217% | $4.35 |
| 3.375% | 0 | 4.162% | $4.42 |
| 3.875%** | 0 | 4.273% | $4.70 |
Adjustable 30-Year Term, 5/1***
5-Year Fixed, 25-Year ARM
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.250% | 1 | 3.991% | $4.35 |
| 3.375% | 0 | 3.954% | $4.42 |
| 3.875%§ | 0 | 4.128% | $4.70 |
Adjustable 30-Year Term, 7/1***
7-Year Fixed, 23-Year ARM
| Rate | Points‡ | APR* | Payment per $1,000 |
|---|---|---|---|
| 3.500% | 1 | 3.995% | $4.49 |
| 3.625% | 0 | 3.972% | $4.56 |
| 4.125%§ | 0 | 4.205% | $4.85 |
READY LINE HELOC Variable Rate - Effective as of 10/31/19
| Type | Rate | Points | APR* |
|---|---|---|---|
| 10 Year Draw / 10 Year Repayment Period | 4.25% | 0 | 4.25% |
Home Equity/Home Improvement Fixed Rates- Effective as of 10/31/19
| Type | Rate | APR* | Points | Cost per $1,000 |
|---|---|---|---|---|
| Up to 60 Months | 4.25% | 4.25% | 0 | $18.53 |
| 61 - 120 Months | 5.00% | 5.00% | 0 | $10.61 |
| 121 - 180 Months | 5.25% | 5.25% | 0 | $8.04 |
| 181 - 240 Months | 5.75% | 5.75% | 0 | $7.02 |
Share Savings - Effective as of 10/9/19
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| Main Share | 0.10% | 0.10% | $25 |
| Checking, Basic | 0.00% | 0.00% | $0 |
| Class Act Checking | 0.00% | 0.00% | $0 |
| Checking, Dividend | 0.10% | 0.10% | $0 |
| eChecking Plus* | 0.10% | 0.10% | $0 |
| Stars & Stripes Checking | 0.00% | 0.00% | $0 |
| Holiday/Vacation Club | 0.50% | 0.50% | $0 |
| Back to School Club | 0.50% | 0.50% | $0 |
| Home Buyer Savings Account | 0.10% | 0.10% | $0 |
| IRA Savings | 0.25% | 0.25% | $0 |
Money Market - Effective as of 10/9/19
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| $75,000+ | 1.30% | 1.29% | $75,000 |
| $50,000 - 74,999 | 0.75% | 0.75% | $50,000 |
| $25,000 - 49,999 | 0.50% | 0.50% | $25,000 |
| $2,500 - 24,999 | 0.25% | 0.25% | $2,500 |
Business Checking - Effective as of 10/9/19
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| Value Checking | 0.00% | 0.00% | $0 |
| Premier Checking | 0.00% | 0.00% | $0 |
Savings & IRA Certificates - Effective as of 10/9/19
| Type**** | APY | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 60 | 2.36% | 2.33% | $500.00/1000.00 |
| 48 | 2.20% | 2.18% | $500.00/1000.00 |
| 36 | 2.05% | 2.03% | $500.00/1000.00 |
| 35*** | 2.30% | 2.28% | $500.00/1000.00 |
| 24 | 1.80% | 1.79% | $500.00/1000.00 |
| 18*** | 2.10% | 2.08% | $500.00/1000.00 |
| 12 | 1.40% | 1.39% | $500.00/1000.00 |
| 6 | 0.50% | .50% | $500.00/1000.00 |
| 3 | 0.30% | .30% | $500.00/1000.00 |
Savings & IRA Premium Certificates - Effective as of 10/9/19***
| Type | APY | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 60 | 2.40% | 2.37% | $50000.00 |
| 48 | 2.30% | 2.28% | $50000.00 |
| 36 | 2.25% | 2.23% | $50000.00 |
| 35*** | 2.36% | 2.33% | $50000.00 |
| 24 | 1.90% | 1.88% | $50000.00 |
| 18*** | 2.20% | 2.18% | $50000.00 |
| 12 | 1.40% | 1.39% | $50000.00 |
| 6 | .60% | .60% | $50000.00 |
| 3 | .45% | .45% | $50000.00 |
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 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 quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice. $55 vendor single interest (VSI) premium charge will be added to all vehicle, boat and RV loans.
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 3.00% (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.
+ APR = Annual Percentage Rate. The Purchase APR you receive is based on your credit history.
++ Credit card cash advance rates for VISA cards starting with 4739, 4820 and 4756 are a variable APR which are based on the month-end prime lending rate as published in The Wall Street Journal on the statement cycle date plus 4.99%. Minimum loan payment is $50.00 per month. Transaction fees of $10.00 or 1% of balances whichever is greater on cash advances, balance transfers, convenience checks and ATM cash advances. Balance transfers are considered cash advances.
(See: Credit Card disclosure)
To learn more about factors to consider when applying or using a credit card, visit the website of the CFPB at http://www.consumerfinance.gov.
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 amount is up to $1,000,000. Add ¼% fee. Annual Percentage Rate based on loan amount of $500,000. Call for details.
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. Member required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 years.
*** Adjustable Rate Mortgage (ARM) with 2% periodic adjustment cap, 6% lifetime cap. Rate is subject to change after consummation. Member required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 years.
****Maximum loan by county – MA: Bristol $453,100; Dukes & Nantucket $679,650; Essex, Middlesex, Norfolk, Plymouth & Suffolk $603,750. NH: Rockingham & Strafford $603,750. RI: Bristol, Kent, Newport, Providence & Washington $453,100. CT: Fairfield $601,450.
‡ 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. Member required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 years.
The rates listed above are for informational purposes and based on a single-family, detached owner-occupied home purchase in New England to a member with 40% down and excellent credit. Loans are also available with as little as 5% down, and on vacation homes. Your rate/points may be different based on your credit score and the specifics of your transaction. Call 781-736-9859 for details on all programs. Rates are 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. This payment does not include taxes and insurance. The payment quoted will be higher than the disclosed payment example.
†Adjustment Cap: Periodic, 2.00% – Lifetime, 6.00%
*APR = Annual Percentage Rate. All rates and APRs quoted are accurate as of the date 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.
Available in MA, ME, NH and RI. Properties eligible are owner-occupied, one-to-four family properties, condominiums, and/or second homes and may be withdrawn or changed at any time without notice. Satisfactory property insurance is required. Borrow up to 85% of your home’s value (less your present mortgage) if your first mortgage is with RTN FCU. Borrow up to 80% (less your present mortgage) if your first mortgage is with another lender. All borrowers must be members of RTN FCU. All standard costs paid by RTN except the Registry of Deeds recording charges. Appraisal may be ordered at the member’s expense. Cancellation fee of up to approximately $300 will apply if line or loan is paid in full and closed within the first three years. Tax deductibility—you should consult with a tax advisor regarding the deductibility of interest and charges.
Ready Line Variable-Rate Home Equity Line of Credit (HELOC)
Minimum amount $20,000, maximum amount $250,000. Variable rate is subject to change monthly at 0.50% less than the prime lending rate in The Wall Street Journal at the statement cycle date. The minimum rate is 4.00%, the maximum rate is 18%. Draw period for the first 10 years requires interest-only monthly payments. For other terms and conditions, see our disclosure Important Terms of our Ready Line Home Equity Line of Credit provided at the time of application.
Fixed-Rate Home Equity Loan/Home Improvement Loan
Minimum amount $15,000, maximum amount $250,000 for Fixed Rate Home Equity and $5,000 min. on Home Improvements. Rates reflect a 1% discount with direct deposit to an RTN FCU account and automated payment from an RTN FCU account. Payment example: A $1,000 home equity loan at 4.250% rate for 60 months has a monthly payment of $18.53.
Call the Mortgage Department at 781-736-9859 for details.
*eChecking Plus – No monthly fee or minimum balance requirement. Members must have direct deposit, be enrolled in eStatements and conduct 5 transactions per month.
**APY = Annual Percentage Yield
***The 18-month share certificate is a limited-time promotional offer and subject to change or withdrawal at any time. Please note: The 18 month certificate will automatically renews at the end of the initial maturity as a 12 month certificate. The 35-month share certificate is a limited-time promotional offer and subject to change or withdrawal at any time. Please note: The 35 month certificate is transferred to the Main Share or IRA share account at maturity.
†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.
