Ridgedale FCU Rates
Savings Options: Annual Percentage Yield (APY)
Regular Shares
Effective Date: 5/2/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Shares | 0.10% | 0.10% |
| REGULAR SHARE ACCOUNTS: APY = ANNUAL PERCENTAGE YIELD. BALANCES UNDER $100 DO NOT RECEIVE DIVIDENDS. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Money Market Tiered Rates
Effective Date: 4/3/2025, Rates Subject to Change
| Money Market Tiered Rates | Dividend Rate | APY |
|---|---|---|
| $500.00 - $25,000.00 | 0.50% | 0.50% |
| $25,000.01 - $75,000.00 | 1.00% | 1.00% |
| $75,000.01 - $175,000.00 | 1.75% | 1.76% |
| $175,000.01 and Above | 2.00% | 2.02% |
| MONEY MARKET ACCOUNTS: APY = ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIREMENT OF $500 AND WITHDRAWALS ARE LIMITED TO 3 PER MONTH. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Share Draft/Checking
Effective Date: 4/3/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Share Draft/Checking | 0.01% | 0.01% |
| SHARE DRAFT ACCOUNTS: APY= ANNUAL PERCENTAGE YIELD. SHARE DRAFT ACCOUNTS WITH AVERAGE DAILY BALANCES UNDER $500 ARE NOT PAID A DIVIDEND. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATE SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Share Certificate
Effective Date: 9/9/2025, Rates Subject to Change
| Share Certificate | Dividend Rate | APY |
|---|---|---|
| 3 Month | 3.69% | 3.75% |
| 6 Month | 2.96% | 3.00% |
| 12 Month | 3.45% | 3.50% |
| 24 Month | 3.11% | 3.15% |
| 36 Month | 3.11% | 3.15% |
| 48 Month | 3.20% | 3.25% |
| 60 Month | 3.20% | 3.25% |
| SHARE CERTIFICATE: APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. | ||
Club Accounts
Effective Date: 4/3/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Club Accounts | 0.25% | 0.25% |
| CLUB ACCOUNTS: APY=ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIRED IS $5.00. EARLY CLOSURE FEE IS $10.00. WITHDRAWALS UNDER $200 HAVE A $10.00 FEE. FEES MAY REDUCE EARNINGS. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Loan Options: Annual Percentage Rate (APR)
New & Used Vehicles
Effective Date: 9/2/2025, Rates Subject to Change
| New & Used Vehicles | APR |
|---|---|
| As Low As | 4.50% 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. | |
Personal and Debt Consolidation Loans
Effective Date: 9/3/2025, Rates Subject to Change
| Personal and Debt Consolidation Loans | APR |
|---|---|
| As Low As | 8.75% |
| PERSONAL AND DEBT CONSOLIDATION 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. | |
Fixed Rate Second Mortgages
Effective Date: 9/9/2025, Rates Subject to Change
| Fixed Rate Second Mortgages | APR |
|---|---|
| Rates As Low As | 7.50% |
| 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 | |
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. | |