Great rates, great options

Are you getting the most for your money? Rates disclosed on our website represent current account offers only. For rates on promotional accounts or accounts no longer available, please call 877.963.2100 and ask to speak to a Customer Service Representative.

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Consumer Loans
Product Type Term APR with Automatic Deduction from an RSB Checking Account Maximum Loan Amount Monthly Repayment Terms*
New Auto*1 Up to 36 Months 2.49% $50,000.00** $28.86
New Auto*1 Up to 60 Months 2.74% $50,000.00** $17.85
Used Auto*2 Up to 36 Months 2.74% $35,000.00** $28.97
Used Auto*2 Up to 48 Months 2.99% $35,000.00** $22.13
Personal Loan Up to 48 Months 9.99% $15,000.00 $25.36
Overdraft Line of Credit3 N/A 15.75% $5,000.00 Interest plus 3% of principal balance

In addition to the following criteria all traditional underwriting criteria applies.  Any loan application with a credit score below 680 must be approved by the SVP of Retail or the Sr. Lending Officer.  These rates apply for new loans to the Bank only.  Refinances of existing RSB debt are not eligible.  These rates and product parameters are effective 04/01/17.  The above APRs have a .25 basis point discount with the auto-deduct from an RSB checking account, rates will be higher without the auto-deduction.

*    A minimum credit score of 720 would apply for the promotional rates to apply.  Loans with credit scores between 680 – 719 would be priced .25 basis points higher than rates above and loans with credit scores between 620 – 679 would be priced .375 basis points higher.

1    The definition of a new auto is one which is purchased from a dealership prior to March 1st of the subsequent year and has less than 5,000 miles on the odometer at the time of purchase.

2    Used auto loans are available for cars aged 10 years or less.

3    This is a variable rate loan.

+    Repayment terms based on monthly payments for a $1,000 loan at the maximum term in the range.

**   For new autos: we will finance the maximum of up to 90% of the base purchase price or current NADA Clean Retail Value whichever is lower up to a maximum loan amount of $50,000.00.  Used autos: we will finance the maximum of up to 90% of the base purchase price or current NADA Clean Retail Value whichever is lower up to a maximum of $35,000.00.

Home Equity Line of Credit
Home Equity Line of Credit Rate Annual Percentage Rate (APR) Margin Monthly Repayment per $1,000 Fully Indexed Rate
** PRIME -.26 *** 3.49% 3.49% (0.260) $2.90 3.49%
** PRIME +.25 *** 4.00% 4.00% 0.250 $3.33 4.00%
** PRIME +.75 *** 4.50% 4.50% 0.750 $3.75 4.50%
** PRIME +1.25 *** 5.00% 5.00% 1.250 $4.16 5.00%
** PRIME +1.75 *** 5.50% 5.50% 1.750 $4.58 5.50%

Minimum loan amount $10,000 – Maximum loan amount $250,000 – 1-4 Family Properties.

This is an variable rate product. Loan is subject to credit approval. Interest paid may be tax deductible, please consult your tax advisor.

Property Insurance is required

**   Rate will vary based on LTV, FICO score, Loan Purpose, Property Type, Residency Type, Lien Position, Debt to Income Ratio

*** Rate: Prime plus or minus margin for the life of the loan adjusted monthly. (15 year draw period / 10 year repayment period)

No normal closing costs, however if loan is terminated within the first 2 yrs., a recuperation fee of up to $400 may be assessed.

Non owner occupied properties will require an additional appraisal fee.

Repayment terms per $1,000.00 borrowed.

Prime Lending Rate is presently 3.750%          

Rate Cap: 18% APR, Floor = starting note rate

Minimum Monthly payment will equal all accrued interest as of the closing date of the billing cycle plus 0.05% of outstanding balance of principal on the closing date of the billing cycle provided the principal payment shall not be less than $50.00 plus any amounts past due, after which the balance is amortized over 10 yrs.