APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 8/12/2022. Fees may reduce earnings.
| 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
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| 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
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| 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
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| 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
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| 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
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| 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
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| 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 |
| 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
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| 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
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| 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
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| FICO Score |
APR |
| 750+ |
7.90% |
| 700 - 749 |
10.90% |
| 650 - 699 |
13.90% |
| 600 - 649 |
15.90% |
HELOC (Home Equity Line of Credit) **
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| 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
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| Type |
APR |
| Share Secured |
3.00% |
| Certificate Secured |
3.00% over CD rate |
