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Rates

APY=Annual Percentage Yield. APR=Annual Percentage Rate.

Kasasa Cash*

Rates effective as of October 29, 2013.

TierInterest RateAPY
$0 - $10,0001.588%1.60%
$10,000 and up0.24%1.60% to 0.37%
Qualifications not met0.01%0.01%

Kasasa Saver*

Rates effective as of October 29, 2013.

TierInterest RateAPY
$0 - $10,0000.598%0.60%
$10,000 and up0.25%0.60% to 0.28%
Qualifications not met0.01%0.01%

To earn Kasasa Cash and Saver rewards, do the following transactions and activities in Kasasa Cash each monthly qualification cycle:

Have at least 10 signature-based debit card purchases post and settle

Be enrolled and receive monthly e-statement notice

Have at least one direct deposit or automatic payment (ACH) post and settle

Be enrolled and log into Online Banking

Certificates of Deposit (CDs)

Rates effective as of April 20, 2012.

TermMinimum BalanceAPY
6 months$1,0000.20%
12 months$1,0000.25%
18 months**$1,0000.45%
24 months$1,0000.70%
36 months$1,0001.00%
48 months$1,0001.25%

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

AccountsAverage Daily BalanceAPY
Savings Account$100.000.10%
Money Market Accounts$2,500 - $4,9990.15%
$5,000 - $9,9990.15%
$10,000 - $24,9990.15%
$25,000 - $49,9990.15%
$50,000 plus0.15%
Holiday ClubN/A0.10%
Vacation ClubN/A0.10%
Student-Branch Mini-Market Accounts$25 - $2490.15%
$250 - $4990.15%
$500 - $9990.15%
$1,000 - $1,9990.20%
$2,000 - $2,5000.25%

*APY=Annual Percentage Yield.

Individual Retirement Accounts (IRAs)

Rates effective as of April 20, 2012.

TermMinimum BalanceAPY
IRA Savings Account$1000.10%
6 months Share Certificate$1,0000.20%
12 months Share Certificate$1,0000.25%
24 months Share Certificate$1,0000.70%
36 months Share Certificate$1,0001.00%
48 months Share Certificate$1,0001.25%

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

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


New Auto Loans

TermAPR*
up to 24 months2.49%
up to 36 months2.74%
up to 48 months2.99%
up to 60 months3.24%
up to 72 months3.74%
up to 84** months4.74%

**Credit score of 680+ only as well as 2011 & newer

Used Auto Loans

TermDescriptionAPR*
up to 24 months2001 & Newer2.49%
up to 36 months2001 & Newer2.99%
up to 48 months2001-2006 & Newer3.49%
up to 60 months2007-2009 & Newer3.74%
up to 72 months2010-2011 & Newer4.24%
up to 84** months2012 & Newer4.99%

**Credit score of 680+ only as well as 2011 & newer

Back to School Loans

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


Borrow AmountTermAPR*
up to $10,000up to 24 months6.99%

*APR = Annual Percentage Rate

Lifestyle Loans

Borrow AmountTermAPR*
from $1,000 up to $10,000up to 48 months8.95%

Teacher Loans

Auto LoansPlease refer to current auto loan rates section
Borrow AmountTermAPR*
Personal Loansup to $10,000up to 48 monthsas low as 8.95%

Personal Loans

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


Borrow AmountTermAPR*
up to $10,000up to 48 months8.95%

*APR = Annual Percentage Rate

Share Secured Loans

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


Borrow AmountTermAPR
N/Aup to 48 months3.00%

*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

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


$250,000 Max

Up to 80% Equity

DescriptionTermAPR*
Fixed Rate5 years3.99%
Variable Rate10 years3.99%
Variable Rate15 years3.99%

Home Equity Loans (2nd Mortgage)

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


DescriptionTermAPR*
Fixed Rate5 years4.00%
Fixed Rate10 years4.25%
Fixed Rate15 years4.50%
Fixed Rate20 years5.00%

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

*APR = Annual Percentage Rate. Rates are accurate as of August 1, 2014. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.


APR* for PurchasesAs Low As 9.99% APR
Other APR'sDefault Rate**: 18% APR
Method of Computing the BalanceAverage Daily Balance Method (including new purchases)**

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

TypeAmount
Annual FeeNone
Cash Advance FeeOver the Counter: 2%, $10 max
ATM: 1%, $5 max
Balance Transfer FeeNone
Late Payment$25
Bounced Payment$25
Card Replacement$20