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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 11/21/22. Fees may reduce earnings.

Holiday Loan

FICO Score APR* 12 Months
685+ 6.00%

Holiday loan offer is valid from November 1,2022- December 31,2022. Loan amount $500 -$2,500 for up to 12 months at 6% APR =*Annual Percentage Rate. minimum credit score of 685 required. First payment date will be set for 30-45 days after settlement.

Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
12 months $500 0.30% 0.30%
15 months** $500 4.00% 4.06%
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%

*Annual Percentage Yield (APY) is effective 11/21/2022 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

**This is a limited time offer and subject to change or be discontinued without further notice. APY assumes interest remains on deposit until maturity. At maturity, the CD will automatically renew to the  standard 18-month CD product, with the current corresponding rate. Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.  

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%
15 months** $25,000 4.05% 4.11%
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.

*Annual Percentage Yield (APY) is effective 11/21/2022 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

**This is a limited time offer and subject to change or be discontinued without further notice. APY assumes interest remains on deposit until maturity. At maturity, the CD will automatically renew to the  standard 18-month CD product, with the current corresponding rate. Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.  

 

 

IRA Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
12 months $500 0.30% 0.30%
15 months** $500 4.00% 4.06%
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%

*Annual Percentage Yield (APY) is effective 11/21/2022 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

**This is a limited time offer and subject to change or be discontinued without further notice. APY assumes interest remains on deposit until maturity. At maturity, the CD will automatically renew to the  standard 18-month CD product, with the current corresponding rate. Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.  

 

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%
15 months** $25,000 4.05% 4.11%
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%

*Annual Percentage Yield (APY) is effective 11/21/2022 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

**This is a limited time offer and subject to change or be discontinued without further notice. APY assumes interest remains on deposit until maturity. At maturity, the CD will automatically renew to the  standard 18-month CD product, with the current corresponding rate. Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.  

 

 

New Money Share Certificate of Deposit

Term Minimum  Rate APY
15 months*** $50,000 4.15% 4.21%

*Annual Percentage Yield (APY) is effective 11/21/2022 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

***Must be opened with new money (funds not currently on deposit with LRRCU) Available as an Individual Retirement Account (IRA).




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+ 2.99% 3.49% 4.49% 4.99%
700 - 749 3.49% 3.99% 4.99% 5.49%
650 - 699 4.49% 5.24% 5.74% 6.24%
600 - 649 7.99% 8.99% 9.99% n/a
599 & below 10.99% 11.99% 12.99% n/a

Classic Auto Loans Learn More

FICO Score 36 months 48 months 60 months
750+ 3.99% 4.49% 4.99%
700 - 749 4.99% 5.49% 6.24%
650 - 699 6.24% 6.74% 8.24%
600 - 649 9.99% 10.24% 10.99%
599 & below 12.99% 13.99% 14.99%

Recreational Vehicle Loans Learn More

FICO Score 60 months 72 months 84 months 120 months
750+ 7.50% 7.75% 8.00% 8.25%
700 - 749 8.25% 8.75% 9.25% 9.75%
650 - 699 10.25% 10.75% 11.25% 11.75%
600 - 649 12.25% 12.75% 13.25% 13.75%
599 & below 13.75% 14.25% 14.75% 15.25%

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 =7.00% 1.99% 90%
700 - 749 WSJ Prime +.50% =7.50% 1.99% 85%
650 - 699 WSJ Prime +1.00% =8.00% 1.99% 80%
600 - 649 WSJ Prime +2.00% =9.00% 1.99% 80%
599 & Below WSJ Prime +3.00% =10.00% 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 11/21/2022 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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