Rates

Effective July 1, 2025
Rates subject to change without notice.

Apply online for FIVE Hundred Bucks!

Existing RGVCU Members may apply after meeting the following criteria:

Must be employed and/or receiving a set income for minimum of 1 year
Have a direct deposit or salary deduction for 6 months prior to applying and must be in good standing with RGVCU

17.74% APR – 8 Month Term; $20 Processing Fee. Special Terms & Conditions May Apply; APR – Annual Percentage Rate;
Loans are subject to Credit Approval.

APR – Annual Percentage Rate
Rates Subject to Change Daily – Please call Credit Union (956) 423-5792 for current rates.
*Special Terms and Conditions May Apply. Promotions Subject to Stop at Any Time.

Savings & Club Accounts

AMOUNT	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
$100.00 – $4,999.99	0.05% APR	0.05% APY
$5,000.00 – $9,999.99	0.10% APR	0.10% APY
$10,000.00 and over	0.25% APR	0.25% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest.

INTEREST BEARING CHECKING Accounts

AMOUNT	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
$100.00 – $4,999.99	0.05% APR	0.05% APY
$5,000.00 – $9,999.99	0.10% APR	0.10% APY
$10,000.00 and over	0.25% APR	0.25% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest.

cERTIFICATE OF DEPOSIT

TERM	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
180 Days	3.75% APR	3.82% APY
1 Year	3.50% APR	3.56% APY
2 Years	2.50% APR	2.53% APY
3 Years	1.50% APR	1.51% APY

$1,000.00 Minimum Average Daily Balance Required to Earn Interest. An early withdrawal penalty may apply if terms of certificate are changed before the maturity date. Please call for details.

***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY***

ira cERTIFICATE OF DEPOSIT

TERM	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
1 Year	3.50% APR	3.56% APY
2 Years	2.50% APR	2.53% APY
3 Years	1.50% APR	1.51% APY

$10.00 Minimum Average Daily Balance Required to Earn Interest. An early withdrawal penalty may apply for withdrawals before age 59-1/2. Please call for details.

***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY***

LOAN RATES

TYPE	TERM	RATE
Auto Loan	Up to 72 Months	4.95% – 17.99% APR
Auto Loan	73 – 84 Months	5.95% – 17.99% APR
Auto Refinance	Up to 72 Months	5.49% – 17.99% APR
Auto Refinance	73 – 84 Months	6.49% – 17.99% APR
Boats, RVs & Travel Trailer Loans	Up to 72 Months	7.49% – 17.99% APR
Boats, RVs & Travel Trailer Loans	73 Months – 120 Months	8.49% – 17.99% APR
Other Collateralized Loans. e.g., Motorcycles	Up to 72 Months	7.49% – 17.99% APR
Other Collateralized Loans. e.g., Motorcycles	73 Months – 120 Months	8.49% – 17.99% APR
Classic Vehicles	Require 20% Down \| Up to 60 Months	5.99% – 17.99% APR
CD Secured Loan	Up to 90% of CD; Not to Exceed CD Term	3.00% over CD Rate
Shared Secured Loan	May Borrow up to $900	5.50% APR
Personal Loans		10.49% – 17.99% APR
Visa Platinum Credit Card	No Annual Fee	5.90% – 18.00% APR

APR – Annual Percentage Rate
Rates shown are the lowest available.