Rates

Kasasa Cash

Kasasa Saver

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2013. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees will be reimbursed up to a maximum of $4.99 per individual transaction. Individual ATM fees of $5.00 and higher will only be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. The collective total of all ATM fees that will be reimbursed for a Monthly Qualification Cycle will not exceed the $25 limit established for each Monthly Qualification Cycle. ATM fee reimbursements will be credited to your account on the last business day of your statement cycle. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account; (2) balances up to $10,000 receive APY of 1.75%; and (3) balances over $10,000 receive APY of 0.25% on the portion of the balance over $10,000, resulting in 1.75% - 0.39% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and clear Kasasa Cash account during Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. "Monthly Qualification Cycle" is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the current statement cycle. The disclosed Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than disclosed Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each Monthly Qualification Cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $10,000 in Kasasa Saver receive an APY of 0.25% on portion of balance over $10,000, resulting in 0.75% - 0.30% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.10% APY. Intra-bank transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Limit one account per Social Security Number. This account is available to consumer/personal account holders only.

Certificates of Deposit (CDs)

Rates effective as of April 20, 2012.

*APY=Annual Percentage Yield. Rates subject to change without notification. Minimum balance to open and earn dividends on Share Certificate of Deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

**Rate available to new money Share Certificates only.

Savings Accounts

*APY=Annual Percentage Yield.

Individual Retirement Accounts (IRAs)

Rates effective as of April 20, 2012.

*APY=Annual Percentage Yield. Rates subject to change without notification. Minimum balance to open and earn dividends on share certificate of deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

Auto Loans

Rates effective as of May 16, 2013.

New Auto Loans

*APR = Annual Percentage Rate.

**Credit score of 680+ only as well as 2010 & newer

Used Auto Loans

*APR = Annual Percentage Rate.

**Credit score of 680+ only as well as 2010 & newer

Vacation Loan

Rates effective as of May 16, 2013.

*APR = Annual Percentage Rate

Personal Loans

Rates effective as of May 16, 2013.

*APR = Annual Percentage Rate

Share Secured Loans

Rates effective as of May 16, 2013.

*APR = Annual Percentage Rate

1st Mortgages

We are affiliated with Huntington Mortgage. Call 732-727-3500 ext. 220 for information.

Home Equity Open Line of Credit

Rates effective as of May 16, 2013.

$250,000 Max

Up to 80% Equity

Home Equity Loans (2nd Mortgage)

Rates effective as of May 16, 2013.

*APR=Annual Percentage Rates. Rates for new loans only, available to RBFCU Members only and are accurate as of April 1, 2012. Loans do not apply to current home equity loans, members will need to reapply for current rates. The rates that we offer may change at anytime without notification and is tied to prime. Rates quoted are lowest for qualified applicants. Application is only good for 30 days from date of submission. Loans are only offered for New Jersey primary residence properties only. The actual interest rate offered is based on our review of your credit history. Maximum borrow amount is $250,000 or up to 80% equity in your home, which ever is less. There is no application fee or charge. The Credit Union requires that you must carry insurance on the property that secures this plan and you must name Raritan Bay Federal Credit Union as loss payee.

**Currently a floor rate of 3.99%APR has been established for the variable rate Home Equity Line of Credit. Minimum Rate is 3.99% APR for 5, 10 or 15 year Home Equity Line of Credit for fixed or variable loan types. The interest rate for the fixed 5 year Home Equity Line of Credit will never change throughout the life of the loan. The maximum APR that may be imposed on any variable rate loan is 18%. The draw period will be determined by the length of your loan. During the draw period, payments will be due monthly and payment will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. The interest will begin to accrue when money is taken from the line of credit. Initial and subsequent advance amounts of $500 are required. For variable rate loans, the rate will change quarterly based on the prime rate from the Wall Street Journal as of the 15th of the month before the change date. The current rates for 2nd Mortgages are 4.00% APR for 5 year fixed loan, 4.25% APR for 10 year fixed loan, 4.50% APR for 15 year fixed loan and 5.00% APR for 20 year fixed loan. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. Your interest rate on a fixed 2nd Mortgage will never change throughout the life of your loan.

Visa Platinum

Rates effective as of May 16, 2013.

*APR = Annual Percentage Rate. Interest rates and credit limits based on income and credit qualifications.

**If your payment is 60 days late.

This APR may also be applied to your account if you:

1) Make a late payment;

2) Make a payment that is returned; or

3) Do any of the above on another account that you have with us.

If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.

Fees