Riverbank Federal Credit Union - Loan & Mortgage Rates

APR=Annual Percentage Rate
Your actual rate may be higher based on your credit history.

New Vehicles
(2025 - 2026)	APR as low as	Repayment Term per Thousand
4 Years	3.74%	$22.47
5 Years	3.99%	$18.42
6 Years	4.24%	$15.76
7 Years*	4.49%	$13.90

Other rates and terms available

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Used Vehicles
(2019 and newer)	APR as low as	Repayment Term per Thousand
2 Years	4.74%	$43.77
3 Years	4.74%	$29.87
4 Years	4.74%	$22.92
5 Years	4.99%	$18.88
6 Years	5.24%	$16.23
7 Years*	5.49%	$14.37

Other rates and terms available

* 2020 or newer, $25,000 minimum loan amount, 75,000 maximum mileage

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Used Vehicles
(2013-2018)	APR as low as	Repayment Term per Thousand
2 Years	6.74%	$44.67
3 Years	6.74%	$30.77
4 Years	6.74%	$23.84

Other rates and terms available

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Recreational Vehicles – Boats, Jet Skis, ATVs, Snowmobiles, Motorcycles
Years	APR as low as	Repayment Term per Thousand
2 Years	6.74%	$44.67
3 Years	6.74%	$30.77
4 Years	6.74%	$23.84

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Personal Loans
Years	APR as low as	Repayment Term per Thousand
1 Year	8.99%	$87.46
2 Years	9.49%	$45.92
3 Years	9.74%	$32.15
4 Years ($4,000 and higher)	9.99%	$25.37

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Debt Consolidation Loans
Years	APR as low as	Repayment Term per Thousand
1 Year	9.99%	$87.93
2 Years	10.49%	$46.38
3 Years	10.99%	$32.74
4 Years ($4,000 and higher)	11.49%	$26.09

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Debt Management Loans
Term	APR as low as	Repayment Term per Thousand
24 Months	11.49%	$46.85
36 Months	14.24%	$34.30
48 Months	15.24%	$27.96

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First Mortgage - FIXED
Years	Rate	APR	Repayment Term per Thousand
30 Year Fixed** 60 DAY LOCK as low as	5.50%	5.602%	$5.68
20 Year Fixed** 60 DAY LOCK as low as	5.25%	5.385%	$6.74
15 Year Fixed** 60 DAY LOCK as low as	5.00%	5.170%	$7.91
12 Year Fixed** 60 DAY LOCK as low as	5.00%	5.207%	$9.25
10 Year Fixed** 60 DAY LOCK as low as	5.00%	5.244%	$10.61
8 Year Fixed** 60 DAY LOCK as low as	5.00%	5.298%	$12.66

FIXED Maximum Loan Amount is $760,000
Minimum Loan Amount is $40,000

**The rates and annual percentage rates (APR's) on First Mortgage loans are based on a $100,000 mortgage; on a 1-4 family owner occupied dwelling; with the first payment due thirty days after the loan is disbursed.

APR=Annual Percentage Rate. RFCU requires escrow for property taxes and if applicable flood insurance. Your individual rate is determined at the time of the rate lock. RFCU charges an application fee on all mortgage loans payable at the time of the rate lock. Your rate may vary and may depend on your credit history or the type of property financed.

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First Mortgage - ADJUSTABLE
Years	Rate	APR
3 year/1 year ARM** as low as - 60 DAY LOCK	6.000%	6.095% ¹
5 year/1 year ARM** as low as - 60 DAY LOCK	7.000%	7.100% ²
7 year/1 year ARM** as low as - 60 DAY LOCK	7.250%	7.352% ³

First Mortgage Minimum Loan Amount is $40,000
Maximum Loan Amount is $806,500

¹ THREE YEAR ARM
Rates start as low as 6.00 with an Annual Percentage Rate (APR) of 6.095. The three year adjustable rate is based on a 30 year loan with no points and a current payment of $6.00 per thousand borrowed. Rate adjustments will occur annually after year three and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

² FIVE YEAR ARM
Rates start as low as 7.00 with an Annual Percentage Rate (APR) of 7.100. The five year adjustable rate is based on a 30 year loan with no points and a current payment of $6.65 per thousand borrowed. Rate adjustments will occur annually after year five and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

³ SEVEN YEAR ARM
Rates start as low as 7.25 with an Annual Percentage Rate (APR) of 7.352. The seven year adjustable rate is based on a 30 year loan with no points and a current payment of $6.82 per thousand borrowed. Rate adjustments will occur annually after year seven and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

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Home Equity Loans
Years	Rate	APR	Repayment Term per Thousand
5 year as low as	6.00%	6.448%	$19.33
10 year as low as	6.25%	6.489%	$11.23
15 year as low as	6.50%	6.671%	$8.71

Minimum loan amount: $15,000
Maximum loan amount: $250,000
Maximum loan to value of 80% including first mortgage
Other closing costs and fees will apply
Adequate homeowner's insurance coverage is a requirement of this loan
Based on $15,000 with $162 fees

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Home Equity Lines of Credit
Years	Rate	APR
25 year (10 year draw, 15 year repayment) as low as	Prime	6.75%*

Minimum loan amount: $15,000
Maximum loan amount: $250,000
Maximum loan to value of 80% including first mortgage
Application Fee of $150.00 and an Annual Fee of $50.00 will apply
Other closing costs and fees will apply
Rate is tied to the Prime Rate - Current Prime Rate is 6.75%
Maximum rate (ceiling rate) is 17.00%. Minimum rate (floor rate) is 4.00%
Adequate homeowner's insurance coverage is a requirement of this loan

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Other Loans
Type	Rate as low as
Share Secured	2.00% above Share Rate
Certificate Secured	2.00% above Certificate Rate
Overdraft Loan	18.00% APR

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

APR = Annual Percentage Rate
Rates Updated March 12th, 2026

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