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Rates
 

Deposit Rates

SavingsEffective: January 1, 2016
Minimum Balance Dividend Rate APY1
$5 .15% .15%
1APY = annual percentage yield.

Money MarketEffective: January 1, 2016
Minimum Balance Dividend Rate APY1
$500 .15% .15%
$10,000 .15% .15%
$25,000 .20% .20%
$50,000 .20% .20%
1APY = annual percentage yield.

Certificates2Effective: January 1, 2016
Term Minimum Balance Dividend Rate APY1
3 to 5 Month $500 0.15% 0.15%
6 to 11 Month and 6 to 11 Month Easy Saver3 $500 0.20% 0.20%
12 to 17 Month Flex $500 0.20% 0.20%
12 to 17 Month $500 0.30% 0.30%
18 to 23 Month $500 0.40% 0.40%
24 to 35 Month $500 0.65% 0.65%
36 to 47 Month $500 1.00% 1.00%
48 to 59 Month $500 1.20% 1.21%
60 Month $500 1.56% 1.57%
1APY = annual percentage yield.
2Penalty for early withdrawal. Minimum opening balance of $500. Fees could reduce earnings. Please contact Financial Services Dept., at 800-562-5611 for further information on applicable fees and terms.
3$10,000 maximum balance, no limits to add-ons.

IRA Certificates2Effective: January 1, 2016
Term Minimum Balance Dividend Rate APY1
12 to 17 Month Flex $500 0.20% 0.20%
12 to 17 Month $500 0.30% 0.30%
18 to 23 Month $500 0.40% 0.40%
24 to 35 Month $500 0.65% 0.65%
36 to 47 Month $500 1.00% 1.00%
48 to 59 Month $500 1.20% 1.21%
60 Month $500 1.56% 1.57%
1APY = annual percentage yield.
2Penalty for early withdrawal. Minimum opening balance of $500. Fees could reduce earnings. Please contact Financial Services Dept., at 800-562-5611 for further information on applicable fees and terms.
IRA SharesEffective: January 1, 2016
Minimum Balance Dividend Rate APY1
$5 .15% .15%
1APY = annual percentage yield.



Business Accounts
Business SavingsEffective: January 1, 2016
Minimum Balance Dividend Rate APY1
$5 0.15% .15%
1APY = annual percentage yield.

Business CheckingEffective: January 1, 2016
Minimum Balance Dividend Rate APY1
Small Business Checking $0 .10% .10%
Premium Business Checking $1500 .15% .15%
Premium Business Checking $10,000 .15% .15%
Premium Business Checking $50,000 .20% .20%
1APY = annual percentage yield.

Truth in Savings and Truth in Lending Disclosures
All rates are subject to change without notice, restrictions apply.

Credit Card Agreements 
To request a copy of your specific card agreement/disclosure, please call 1-800-562-5611 or email info@redcanoecu.com.

Loan Rates

AutoEffective: 3/23/2015
Term APR as low as1
New Vehicle Up to 84 months 1.99%2
Used Vehicle Up to 84 months 2.49%
     
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
2New Vehicle defined as two years old or newer.
Credit CardsEffective: 03/01/2016
APR as low as1
Visa Platinum 4.90%2
Visa Platinum with Rewards 4.90%2
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
26 month introductory rate offer.
Boats & RVsEffective: 3/23/2015
Term APR as low as1
Up to 144 months 3.59%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
Motorcycle, 4-wheeler, Jet-SkiEffective: 05/24/2013
Term APR as low as1
Up to 84 months 5.94%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
Share Secured LoanEffective: 4/1/2012
Term APR
Up to 12 years 2.15%1
1Based on 2% above previous month’s share rate.
Personal Line of CreditEffective: 1/1/2016
APR as low as1
Personal Line of Credit 10.00%
1APY = annual percentage yield.



Home Loan Rates

1st Mortgages
Rates change daily, visit our online loan center for a list of all 1st mortgage current rates.
 

  Current Rates

Home EquityEffective: 1/1/2016
Term APR as low as2
Home Equity Line of Credit1   4.00%3
Home Equity 5 Year 3.99%4
Home Equity 20 year 5.49%5
1Variable rate is based on the Prime Rate plus a margin as published in the Money Rates column of the Wall Street Journal. Your margin is based on your creditworthiness. Rates for the Home Equity Line of Credit vary based on the equity in your home. Rate can change monthly.
2Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
3Variable rate, 0% down, Maximum $250,000.
4Fixed rate, 0% down, Maximum $50,000.
5Fixed rate, 0% down, Maximum $250,000.

Land LoanEffective: 4/1/2012
APR as low as1
Land Loan 8.25%2
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). Lowest rate available only on terms up to 48 months.
220% down, Fixed rate, 15 Year, Maximum $150,000.