Loan Rates
Effective as of
Mortgage Rates
| Program | Rate | APR4 | Points | Price per Thousand |
|---|---|---|---|---|
| 30 Year Fixed Rate (up to 100% Financing Purchase) | 6.000% | 6.186% | 1 | $6.00 |
| 5/6 ARM | 5.750% | 6.372% | 0 | $5.84 |
Home Equity Loan Rates
| Term | Relationship Premium Annual Percentage Rates As Low As (2) | Monthly Payment per $1,000 borrowed |
|---|---|---|
| 7 Year Fixed Rate | 6.49% | $14.84 |
| 10 Year Fixed Rate | 6.75% | $11.48 |
| 15 Year Fixed Rate | 6.875% | $8.92 |
| 20 Year Fixed Rate | 6.99% | $7.75 |
Home Equity Loans in the First Lien position: subtract 0.25% from the rate.
HELOC
| Term | Relationship Premium Annual Percentage Rates As Low As (2) |
|---|---|
| 25 years with a 10 year draw period | Valid for qualified Home Equity Lines of Credit up to 80% LTV (Loan to Value); then the APR adjusts monthly to the current Prime Rate* as listed in the Wall Street Journal Money Rates section, plus or minus a margin based on individual credit circumstances and services with the Credit Union, but never lower than 3.00% APR. *As of 12/11/2025, the Current Prime Rate is 6.75%. |
New Cars & Trucks
| Term | Relationship Premium Annual Percentage Rates As Low As3 | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 5.64% | $30.26 |
| Up to 48 Months | 5.69% | $23.34 |
| Up to 60 Months | 5.69% | $19.19 |
| Up to 72 Months | 5.89% | $16.52 |
| Up to 84 Months | 6.24% | $14.72 |
Used Cars & Trucks
| Term | Relationship Premium Annual Percentage Rates As Low As3 | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 5.64% | $30.26 |
| Up to 48 Months | 5.69% | $23.34 |
| Up to 60 Months | 5.69% | $19.19 |
| Up to 72 Months | 5.89% | $16.52 |
| Up to 84 Months | 6.24% | $14.72 |
12welve Auto Loans (60-month Auto Loan Program)***
| Months | Annual Percentage Rate* | Monthly Payment per $1,000 Borrowed | Rate Reductions |
|---|---|---|---|
| Months 1-12 | 10.99% | $21.92 | |
| Months 13-24 | 9.99% | $19.99 | 1% rate reduction after 12 consecutive on-time monthly payments |
| Months 25-36 | 8.99% | $20.49 | 1% rate reduction after 24 consecutive on-time monthly payments |
| Months 37-60 | 7.99% | $19.62 | 1% rate reduction after 36 consecutive on-time monthly payments |
New Motorcycles & ATVs
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 7.20% | $24.04 | $3,000 |
| Up to 60 Months* | 7.70% | $20.13 | $10,000 |
| Up to 72 Months* | 8.45% | $17.75 | $15,000 |
Used Motorcycles & ATVs
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 7.45% | $24.16 | $3,000 |
| Up to 60 Months* | 7.95% | $20.25 | $10,000 |
Boats & Personal Watercrafts
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 10.69% | $25.70 | $3,000 |
| Up to 60 Months* | 11.19% | $21.84 | $10,000 |
| Up to 72 Months* | 11.44% | $19.26 | $10,000 |
| Up to 84 Months | 12.19% | $17.75 | $20,000 |
| Up to 120 Months* | 12.44% | $14.60 | $25,000 |
| Up to 180 Months* | 12.69% | $12.45 | $50,000 |
Recreational Vehicles
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 10.94% | $25.82 | $3,000 |
| Up to 60 Months* | 11.44% | $21.96 | $10,000 |
| Up to 72 Months* | 11.94% | $19.52 | $20,000 |
| Up to 120 Months* | 12.44% | $14.60 | $50,000 |
Personal Loans
| Type | Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Personal Loan | Up to 60 months | 10.69% | $21.59 |
| Personal Line of Credit | Up to 120 months | 14.74% |
Life Event Loans
| Type of Loan | Term | Relationship Premium Annual Percentage Rates as Low as | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Home Improvement | Up to 84 months | 9.94% | $16.57 |
| Home Improvement | Up to 120 months | 10.94% | $13.74 |
| Home Emergency | Up to 72 months | 10.44% | $18.75 |
| Health & Beauty Loans | Up to 72 months | 11.94% | $19.52 |
| Family Event/Crisis | Up to 72 months | 9.44% | $18.24 |
| Appliances & Furniture | Up to 48 months | 10.44% | $25.57 |
| Technical Skills | Up to 72 months | 10.79% | $18.93 |
Credit$ense Loans
| Type of Loan | Term | Rates | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Credit$ense | Up to 24 months | Low Fixed Rate of 6.99% APR | $44.77 |
Credit Cards
| Type | Visa RBNY Card | Visa Signature Rewards Card | Visa Platinum Card | Visa Secured Card | Visa Business Rewards Card |
|---|---|---|---|---|---|
| Introductory APR for Purchases | 0.00% for 12 Months | 0.00% for 6 Months | 0.00% for 6 Months | N/A | N/A |
| Standard APR for Purchases | 16.49% Fixed | 16.49%-18.00% Variable | 14.49%-18.00% Variable | 18.00% Variable | 16.49%-18.00% Variable |
| Standard APR for Balance Transfers | 0.00% for 12 Months | 9.99% for 18 Months | 9.99% for 18 Months | 9.99% for 18 Months | N/A |
APR = Annual Percentage Rate. Loans are subject to credit approval. Rates are subject to change. Not all applicants will qualify. Membership eligibility and credit qualification guidelines must be met. Certain restrictions and minimum loan amounts may apply.
The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking account with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act which is currently 18%.