River Town FCU
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LOAN RATES

Interest rates will vary depending on applicants credit score, credit history, and other factors.
Rates are subject to change.
See the Rate and Fee Schedule.

All loan rates are quoted as an Annual Percentage Rate (APR)

HOME EQUITY LINE OF CREDIT (HELOC)

60 - 120 Months

4.25%

Rates subject to change at any time without notice. Rates shown are for qualified borrowers only. The Annual Percentage Rate is determined by adding 1% to the current U.S. Prime Rate as published in the "Wall Street Journal." The interest rate will change annually on the first day of August each year. The rate cannot increase or decrease more the 2 percentage points in any one-year period. The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less. A $100.00 non-refundable fee will be collected with each application. The initial draw period is five years. A minimum payment amount is $100.00 or the full amount owed, whichever is smaller. At the member's request, the draw period may be renewed or extended in 5-year increments at the credit union's discretion.

All loan rates are quoted as an Annual Percentage Rate (APR)

VISA CREDIT CARDS

VISA CLASSIC

VISA GOLD

Annual Percentage Rate for Purchases

12.90%
(non-variable)

10.90%
(non-variable)

Annual Percentage Rate for Balance Transfers or Cash Advances

12.90%
(non-variable)

10.90%
( non-variable)

Grace Period for Repayment of the Balance for Purchases

25 Days

25 Days

Method of Computing the Balance for Purchases and Cash Advances

Average Daily Balance
(including new purchases)

Average Daily Balance
(including new purchases)

Annual Fee

None

None

Minimum Finance Charge

None

None

Transaction Fee for Purchases

None

None

Late Payment Fee

$20

$20


VISA Credit Card Applications not available online. You can get an application at the credit union
or contact the loan department at 479-784-5600 to request one by mail.

We do not discriminate on the basis of color, religion, national origin, sex, marital status, receipt of public assistance, or age (provided the applicant is old enough and otherwise has the legal authority to enter into a binding contract), and good faith exercise of rights under the Consumer Protection Act.

SECURED LOANS
TERMS
New - 4 year old vehicles
72 Months 3.25% - 13.25%
66 Months 3.00% - 13.00%
60 Months 2.75% - 12.75%
48 Months 2.50% - 12.50%
36 Months 2.25% - 12.25%
24 Months 2.00% - 12.00%
5 - 7 year old vehicles
60 Months 3.50% - 13.50%
48 Months 3.25% - 13.25%
36 Months 3.00% - 13.00%
24 Months 2.75% - 12.75%
8 - 19 year old vehicles
48 MONTHS 5.50% - 15.50%
36 MONTHS 5.25% - 15.25%
24 MONTHS 5.00% - 15.00%

For Example: $20,000 for 60 months at 3.25% APR =
Monthly Payment of $361.66.

 

 

OTHER LOANS
TERMS
RV's, Boats, ATV & Motorcycles
84 Months 5.75% - 12.75%
72 Months 5.50% - 12.50%
60 Months 5.25% - 12.25%
48 Months 5.00% - 12.00%
36 Months 4.75% - 11.75%
24 Months 4.50% - 11.50%

 


             

 

 

 

 

Credit Rating
LINE OF CREDIT 9.90% - 17.90%

For Example: $500.00 for 12 months at 13.90% APR =
Monthly Payment of $44.86