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Rates effective as of July 1, 2019. Fees may reduce earnings.
APY = Annual Percentage Yield. 

Kasasa Cash Checking* Learn More

TIER INTEREST RATE APY
$0 - $10,000 0.599% 0.60%
$10,000+ 0.10% 0.60% to 0.15%
Qualifications not met 0.01% 0.01%

Qualifications

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

Kasasa Saver Savings* Learn More

TIER INTEREST RATE APY
0 - $10,000 0.10% 0.10%
$10,000+ 0.05% 0.10% to 0.06%
Qualifications not met 0.01% 0.01%

Qualifications

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) Learn More

TERM MINIMUM BALANCE APY
6 months $1,000 0.15%
7 months** $1,000 1.20%
9 months**† $5,000 2.00%
12 months $1,000 0.18%
18 months $1,000 0.20%
24 months $1,000 0.35%
30 months**† $5,000 2.50%
36 months $1,000 0.50%
48 months $1,000 0.75%

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.

**Limited time offer. Subject to cancellation.

†Minimum deposit for 9-month and 30-month certificate is $5,000. New deposits only, cannot be transferred from existing RBFCU account.

Savings Accounts

Account Average Daily Balance APY
Savings Account $100.00 0.05%
Holiday Club N/A 0.10%
Vacation Club N/A 0.10%

Money Market Accounts Learn More

Average Daily Balance APY
$2,500 - $4,999 0.20%
$5,000 - $9,999 0.30%
$10,000 - $24,999 0.40%
$25,000 - $49,999 0.40%
$50,000+ 0.40%

Mini-Market Accounts

Average Daily Balance APY
$25 - $249 0.20%
$250 - $499 0.30%
$500 - $999 0.40%
$1,000 - $1,999 0.15%
$2,000 - $2,500 0.18%

Individual Retirement Accounts (IRAs) Learn More

TERM MINIMUM BALANCE APY
IRA Savings Account $100 0.05%
6 months Share Certificate $1,000 0.15%
12 months Share Certificate $1,000 0.18%
24 months Share Certificate $1,000 0.35%
36 months Share Certificate $1,000 0.50%
48 months Share Certificate $1,000 0.75%

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.

New Auto Loans Learn More

TERM APR*
Up to 30 months 2.24%
Up to 36 months 2.99%
Up to 48 months 3.24%
Up to 60 months 3.49%
Up to 72 months 3.99%
Up to 84** months 4.99%

*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2017 & newer. 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.

Used Auto Loans Learn More

TERM DESCRIPTION APR*
Up to 30 months 2006 & Newer 2.74%
Up to 60 months 2012 & Newer 3.99%
Up to 72 months 2015 & Newer 4.49%
Up to 84** months 2017 & Newer 5.24%

Collectible Car Loans

Please call us at 732-727-3500 ext. 220 for current Rates & Terms!

*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2017 & newer. 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.

† Available for cars over 20 years old. Other terms & conditions apply.

Promotional Loans Learn More

BORROW AMOUNT TERM APR*
Up to $15,000† Up to 24 months 6.74%

*APR = Annual Percentage Rate. 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. †Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Lifestyle Loans Learn More

BORROW AMOUNT TERM APR*
From $1,000 up to $10,000 Up to 48 months 7.24%

*APR = Annual Percentage Rate.

Teacher Loans Learn More

Loan Type Borrow Amount Term APR*
Auto Loans Please refer to current auto loan rates n/a n/a
Personal Loans Up to $15,000† Up to 48 months As low as 6.74%
Promotional Loans Up to $15,000† Up to 24 months As low as 6.74%

*APR = Annual Percentage Rate. 

† Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Personal Loans Learn More

BORROW AMOUNT TERM APR*
Up to $15,000† Up to 48 months 7.24%

*APR = Annual Percentage Rate. 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. † Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Share Secured Loans

BORROW AMOUNT TERM APR*
N/A Up to 48 months 3.00%

*APR = Annual Percentage Rate. 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.

Home Equity Open Line of Credit Learn More

DESCRIPTION TERM APR* LTV
Fixed Rate 5 years 4.24% Up to 80% Equity
Fixed Rate 5 years 5.24% 80% - 90% Equity
Variable Rate 10 years 5.99% Up to 80% Equity
Variable Rate 10 years 6.99% 80% - 90% Equity
Variable Rate 15 years 5.99% Up to 80% Equity
Variable Rate 15 years 6.99% 80% - 90% Equity

*APR = Annual Percentage Rate

2nd Mortgage

DESCRIPTION TERM APR* LTV
Fixed Rate 5 years 4.24% Up to 90% Equity
Fixed Rate 10 years 4.49% Up to 90% Equity
Fixed Rate 15 years 4.74% Up to 90% Equity
Fixed Rate 20 years 4.99% Up to 90% Equity

1st Mortgages Available

Call 732-727-3500 ext. 220

*APR = Annual Percentage Rate. 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

Visa Classic Learn More

Annual Percentage Rate (APR) for Purchases (Fixed)

7.99%

9.99%

12.99%

14.99%

APR for Balance Transfers (Fixed)

7.99%

9.99%

12.99%

14.99%

APR for Cash Advances (Fixed)

7.99%

9.99%

12.99%

14.99%

Penalty APR and When it Applies

18.00% 
If your payment is 60 days late.

This APR may 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.

How Long Will the Penalty APR Apply?: If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.

*APR = Annual Percentage Rate. 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.

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Visa Platinum Learn More

Annual Percentage Rate (APR) for Purchases (Fixed)

9.99%

12.99%

14.99%

17.99%

APR for Balance Transfers (Fixed)

9.99%

12.99%

14.99%

17.99%

APR for Cash Advances (Fixed)

9.99%

12.99%

14.99%

17.99%

Penalty APR and When it Applies

18.00% 
If your payment is 60 days late.

This APR may 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.

How Long Will the Penalty APR Apply?: If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.

Interest rates and credit limits based on income and credit qualifications.

Visa Classic & Visa Platinum Fees

TYPE AMOUNT
Annual Fee None
Membership Fee None
Balance Transfer None
Cash Advances $10.00 Maximum
Foreign Transaction 1.0%
Late Payment Fee Up to $25
Over-the-Credit-Limit None
Returned Payment $25.00
ATM Cash Advance $5.00 Maximum

*APR = Annual Percentage Rate. 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.

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Checking Line of Credit Learn More

Interest Rates and Interest Charges

APR for Advances 12.50%
Rates are based on credit worthiness and may vary but start as low as Prime + 4% with a floor of 12.50%.
Interest accrues daily based on your outstanding balance. No grace period applies.
Minimum Interest Charge No minimum charge.

Fees

Annual Fee No annual fee.

Penalty Fee

Late Payment A fee of 5% of the payment made will be charged.
Returned Payment $25 per item returned

How We Will Calculate Your Balance: We will use a balance computation method called daily balance.  See your account agreement for further details.

Discover the credit union advantage — become a part of the growing Raritan Bay FCU family!