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 These offerings are for a limited time and may be withdrawn or changed at any time without notice.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 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 $426,650; Dukes & Nantucket $625,500; Essex, Middlesex, Norfolk, Plymouth & Suffolk $523,250. NH: Rockingham & Strafford $523, 250. RI: Bristol, Kent, Newport, Providence & Washington $426,650. 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 3% 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.

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

Flex LIFE Variable Equity Line (HELOC)

Flex Life Home Equity annual percentage rate (APR) quoted is accurate as of the date listed above, is a variable rate subject to change monthly at 0.50% APR less than the prime lending rate as listed in The Wall Street Journal (minimum 2.750% APR, maximum 18% APR) on the statement cycle date and may be withdrawn at any time without notice. Available for applicants with a credit score of 680 or higher and who have direct deposit of at least $500 per month to RTN FCU. Applicant pays no closing costs (estimated at $375) if a $25,000 or more loan advance is taken at the time of closing and remains outstanding for six months. Members are required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 years. Contact the Mortgage Department at 781-736-9859 or mortgage@rtn.org for current APRs and offers. Early termination fee applies for lines closed within the first 36 months. Property insurance required. Loan example: Interest-only monthly loan payment at 3.00% APR is $2.50 per $1,000 borrowed for the first 10 years.

Ready Line Variable Equity Line (HELOC)
Maximum amount $250,000.00, minimum amount $20,000.00. Variable rate subject to change monthly based on month-end prime lending rate as published at month-end in The Wall Street Journal, less 0.50% APR, minimum rate 4% APR. 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. Members are required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 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. Members are required to reimburse RTN FCU for closing costs if loan is paid off within the first 3 years. Members also 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.

*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
*** Share Certificate 37 Month Special is a limited time promotional offer and is subject to change or be withdrawn at any time.
†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.