Loan Rates

Annual Percentage Rate (APR)

New & Used Vehicles

Effective Date: 4/3/2025, Rates Subject to Change

New & Used Vehicles	APR
As Low As	5.00% Find a Vehicle
NEW AND USED VEHICLES: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDITWORTHINESS AND TERM. A MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Signature Loans

Effective Date: 4/3/2025, Rates Subject to Change

Signature Loans	APR
As Low As	9.00%
SIGNATURE/PERSONAL LOANS: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Home Equity Line of Credit

Effective Date: 4/3/2025, Rates Subject to Change

Home Equity Line of Credit	Variable APR
As Low As Prime Rate
HOME EQUITY LINE OF CREDIT: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM RATE OF 8.5% AND A MAXIMUM RATE OF 18% APR. TAXES AND INSURANCE(S) ARE NOT INCLUDED IN MONTHLY PAYMENT. RIDGEDALE FCU WILL WAIVE CLOSING COSTS AT INCEPTION OF LOAN. IF THE LOAN IS TERMINATED WITHIN 12 MONTHS OF OPENING, THE CLOSING COST WAIVER IS REVOKED, AND BORROWER(S) WILL BE REQUIRED TO PAY BACK CLOSING COSTS IN FULL TO RIDGEDALE FCU. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Home Equity Line of Credit

Variable APR

As Low As Prime Rate

HOME EQUITY LINE OF CREDIT: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM RATE OF 8.5% AND A MAXIMUM RATE OF 18% APR. TAXES AND INSURANCE(S) ARE NOT INCLUDED IN MONTHLY PAYMENT. RIDGEDALE FCU WILL WAIVE CLOSING COSTS AT INCEPTION OF LOAN. IF THE LOAN IS TERMINATED WITHIN 12 MONTHS OF OPENING, THE CLOSING COST WAIVER IS REVOKED, AND BORROWER(S) WILL BE REQUIRED TO PAY BACK CLOSING COSTS IN FULL TO RIDGEDALE FCU. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Fixed Rate Second Mortgages

Effective Date: 5/2/2025, Rates Subject to Change

Fixed Rate Second Mortgages	APR
Rates As Low As	5.50%
FIXED RATE SECOND MORTGAGES: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM LOAN APPLICATION IS $25,000. TAXES AND INSURANCE(S) ARE NOT INCLUDED IN MONTHLY PAYMENT. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Fixed Rate Second Mortgages

APR

Rates As Low As

5.50%

FIXED RATE SECOND MORTGAGES: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM LOAN APPLICATION IS $25,000. TAXES AND INSURANCE(S) ARE NOT INCLUDED IN MONTHLY PAYMENT. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

First Mortgages

Effective Date: 4/3/2025, Rates Subject to Change

First Mortgages	APR
Please CLICK HERE or call 1-877-885-40444 for today’s mortgage rates and application information.
5- FIRST MORTGAGES: PLEASE CLICK HERE OR CALL 1-877-885-4044 FOR TODAY’S MORTGAGE RATES AND APPLICATION PROCESS. YOUR MORTGAGE SPECIALIST WILL PROVIDE ALL DISCLOSURES, TERMS AND CONDITIONS.

Platinum Visa Rewards Card

Effective Date: 4/3/2025, Rates Subject to Change

Platinum Visa Rewards Card	APR
As Low As	9.90%
PLATINUM VISA REWARDS CREDIT CARD: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED. CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

Platinum Visa Rewards Card

APR

As Low As

9.90%

PLATINUM VISA REWARDS CREDIT CARD: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

Shared Secured Loans

Effective Date: 5/2/2025, Rates Subject to Change

Shared Secured Loans	APR
As Low As	2.60%
SHARE SECURE LOAN: APR = ANNUAL PERCENTAGE RATE. ALL APPLICATIONS WILL QUALIFY. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON TERM AND WHERE THE MONEY IS HELD. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

Certificate Secured Loans

Effective Date: 4/3/2025, Rates Subject to Change

Certificate Secured Loan	APR
Above Certificate Rate	5.00%
CERTIFICATE SECURE LOAN: APR = ANNUAL PERCENTAGE RATE. ALL APPLICATIONS WILL QUALIFY. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON TERM AND WHERE THE MONEY IS HELD. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

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