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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 8/12/2022. Fees may reduce earnings.

Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
12 months $500 0.30% 0.30%
18 months $500 0.40% 0.40%
24 months $500 0.40% 0.40%
36 months $500 0.40% 0.40%
48 months $500 0.40% 0.40%
60 months $500 0.40% 0.40%

Penalty for early withdrawal.

Jumbo Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $25,000 0.20% 0.20%
12 months $25,000 0.35% 0.35%
18 months $25,000 0.45% 0.45%
24 months $25,000 0.45% 0.45%
36 months $25,000 0.45% 0.45%
48 months $25,000 0.50% 0.50%
60 months $25,000 0.50% 0.50%

Penalty for early withdrawal.

IRA Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
12 months $500 0.30% 0.30%
18 months $500 0.40% 0.40%
24 months $500 0.40% 0.40%
36 months $500 0.40% 0.40%
48 months $500 0.40% 0.40%
60 months $500 0.40% 0.40%

Penalty for early withdrawal.

Jumbo IRA Certificates Learn More

Term Minimum Balance Rate APY
6 months $25,000 0.20% 0.20%
12 months $25,000 0.35% 0.35%
18 months $25,000 0.45% 0.45%
24 months $25,000 0.45% 0.45%
36 months $25,000 0.45% 0.45%
48 months $25,000 0.50% 0.50%
60 months $25,000 0.50% 0.50%

Penalty for early withdrawal.

Regular Share Savings Learn More

Balance Rate APY
$25.01 - $4,999.99 0.025% 0.025%
$5,000.00 - $24,999.99 0.050% 0.050%
$25,000.00 - $49,999.99 0.075% 0.075%
$50,000.00+ 0.100% 0.100%

Money Market Account Learn More

Balance Rate APY
$5,000.00 - $49,999.99 0.050% 0.050%
$50,000.00 - $74,999.99 0.100% 0.100%
$75,000.00 - $99,999.99 0.100% 0.100%
$100,000.00+ 0.150% 0.150%

New & Used Auto Loans Learn More

FICO Score 36 months 48 months 60 months 72 months
750+ 1.99% 2.74% 2.74% 2.99%
700 - 749 2.99% 3.74% 3.99% 4.99%
650 - 699 4.49% 5.25% 5.49% 5.99%
600 - 649 7.49% 8.25% 8.49% n/a
599 & below 10.49% 11.25% 11.50% n/a

Classic Auto Loans Learn More

FICO Score 36 months 48 months 60 months
750+ 2.99% 3.24% 3.24%
700 - 749 4.49% 4.99% 5.99%
650 - 699 6.24% 6.49% 7.99%
600 - 649 9.24% 9.49% 9.99%
599 & below 12.49% 13.24% 14.24%

Recreational Vehicle Loans Learn More

FICO Score 60 months 72 months 84 months 120 months
750+ 6.75% 7.00% 7.25% 7.50%
700 - 749 7.50% 8.00% 8.50% 9.00%
650 - 699 9.50% 10.00% 10.50% 11.00%
600 - 649 11.50% 12.00% 12.50% 13.00%
599 & below 13.00% 13.50% 14.00% 14.50%

Unsecured Personal Loans Learn More

FICO Score 12 months 24 months 36 months 48 months 60 months
750+ 7.00% 7.25% 7.50% 8.00% 9.00%
700 - 749 7.25% 7.50% 8.00% 8.50% 9.50%
650 - 699 9.50% 10.00% 10.50% 11.00% 12.50%
600 - 649 13.50% 14.00% 14.50% 15.00% 15.50%

Mastercard Credit Cards Learn More

FICO Score APR
750+ 7.90%
700 - 749 10.90%
650 - 699 13.90%
600 - 649 15.90%

HELOC (Home Equity Line of Credit) ** Learn More

FICO Score HELOC APR* Variable Rate Introductory APR* First 6 Months Loan to Value Ratio
750+ WSJ Prime =5.50% 1.99% 90%
700 - 749 WSJ Prime +.50% =6.00% 1.99% 85%
650 - 699 WSJ Prime +1.00% =6.50% 1.99% 80%
600 - 649 WSJ Prime +2.00% =7.50% 1.99% 80%
599 & Below WSJ Prime +3.00% =8.50% 1.99% 70%

The 6-month introductory rate beings at time of loan closing. A minimum first draw of $5,000 is required. Processing Fee of $225.00 due at closing.

*APR = Annual Percentage Rate (APR) is effective 8/12/2022 and is subject to change without notice. 

**The variable APR is determined by the Wall Street Journal Prime with a  +/- margin.  The rate is variable and can change monthly. The floor rate after the introductory period is 0% and the maximum rate is 18.00%.  The line of credit has a 10 year draw period and a 20 year repayment period.  Monthly payment are interest only during the draw period.

Lancaster Red Rose Credit Union NMLS ID 770445

Share & Certificate Secured Loans Learn More

Type APR
Share Secured 3.00%
Certificate Secured 3.00% over CD rate

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