Current Red Canoe Rates
| Minimum Balance | Dividend Rate | APY | ||
|---|---|---|---|---|
| $5 | Dividend Rate | 0.05% | APY | 0.05% |
| Minimum Balance | Dividend Rate | APY | ||
|---|---|---|---|---|
| $0 – $1,000 | Dividend Rate | 5.84% | APY | 6.00% |
| $1,000 and up | Dividend Rate | 0.05% | APY | 0.05% |
| Minimum Balance | Dividend Rate | APY | ||
|---|---|---|---|---|
| $500 | Dividend Rate | 0.70% | APY | 0.70% |
| $10,000 | Dividend Rate | 0.70% | APY | 0.70% |
| $25,000 | Dividend Rate | 0.75% | APY | 0.75% |
| $50,000 | Dividend Rate | 0.80% | APY | 0.80% |
| $100,000 | Dividend Rate | 1.00% | APY | 1.00% |
| Account | Minimum Balance | Dividend Rate | ||
|---|---|---|---|---|
| Premier Checking | Minimum Balance | $0.00 | Dividend Rate | None |
| Premier Plus Checking | Minimum Balance | $0.00 | Dividend Rate | None |
| Simply Smart Checking | Minimum Balance | $0.00 | Dividend Rate | None |
| Loan Type | APR | Payment Example | ||
|---|---|---|---|---|
| Used Auto | APR | as low as 5.49% | Payment Example | $10,000 loan at 5.99% for 60 months - $192.12/month |
| New Auto | APR | as low as 5.49% | Payment Example | $10,000 loan at 5.99% for 60 months - $192.12/month |
| Motorcycle/4-Wheeler/Jet-Ski | APR | as low as 9.69% | Payment Example | $10,000 loan at 9.69% for 48 months - $252.14/month |
| Boat/RV | APR | as low as 7.84% | Payment Example | $20,000 loan at 8.34% for 72 months - $353.99/month |
| Loan Type | APR | Payment Example | ||
|---|---|---|---|---|
| Certificate Secured Loan | APR | Certificate Account Rate + 2.00% | Payment Example | $1,000 loan at 3.49% for 12 months - $84.92/month |
| Money Market Secured Loan | APR | Money Market Rate + 2.00% | Payment Example | $1,000 loan at 2.40% for 12 months - $84.26/month |
| Credit Builder | APR | 6.00% | Payment Example | $500 loan at 6% for 12 months - $43.03/month |
| Personal Line of Credit | APR | 13.75% – 24.75% | Payment Example | Variable rate loan. See full account terms for details. |
| Loan Type | APR | Payment Example | ||
|---|---|---|---|---|
| Platinum and Platinum Rewards VISA | APR | 11.90% - 23.90% | Payment Example | Find full account terms here. |
| Account | Minimum Balance | Dividend Rate | APY | |||
|---|---|---|---|---|---|---|
| 3 Month | Minimum Balance | $500 | Dividend Rate | 1.49% | APY | 1.50% |
| 6 Month & Easy Saver | Minimum Balance | $500 | Dividend Rate | 3.69% | APY | 3.75% |
| 12 Month | Minimum Balance | $500 | Dividend Rate | 3.83% | APY | 3.90% |
| 12 Month Flex | Minimum Balance | $500 | Dividend Rate | 3.59% | APY | 3.65% |
| 18 Month | Minimum Balance | $500 | Dividend Rate | 3.45% | APY | 3.50% |
| 24 Month | Minimum Balance | $500 | Dividend Rate | 2.96% | APY | 3.00% |
| 36 Month | Minimum Balance | $500 | Dividend Rate | 3.06% | APY | 3.10% |
| 48 Month | Minimum Balance | $500 | Dividend Rate | 3.11% | APY | 3.15% |
| 60 Month | Minimum Balance | $500 | Dividend Rate | 3.15% | APY | 3.20% |
| Account | Minimum Balance | Dividend Rate | APY | |||
|---|---|---|---|---|---|---|
| 12 Month | Minimum Balance | $500 | Dividend Rate | 3.83% | APY | 3.90% |
| 12 Month Flex | Minimum Balance | $500 | Dividend Rate | 3.59% | APY | 3.65% |
| 18 Month | Minimum Balance | $500 | Dividend Rate | 3.45% | APY | 3.50% |
| 24 Month | Minimum Balance | $500 | Dividend Rate | 2.96% | APY | 3.00% |
| 36 Month | Minimum Balance | $500 | Dividend Rate | 3.06% | APY | 3.10% |
| 48 Month | Minimum Balance | $500 | Dividend Rate | 3.11% | APY | 3.15% |
| 60 Month | Minimum Balance | $500 | Dividend Rate | 3.15% | APY | 3.20% |
| Account | Minimum Balance | Dividend Rate | APY | |||
|---|---|---|---|---|---|---|
| Business Savings | Minimum Balance | $5.00 | Dividend Rate | 0.05% | APY | 0.05% |
| Business Checking | Minimum Balance | $1,500 | Dividend Rate | 0.02% | APY | 0.02% |
| Business Advantage Checking | Minimum Balance | $2,500 | Dividend Rate | 0.05% | APY | 0.05% |
| Community Checking | Minimum Balance | $1,500 | Dividend Rate | N/A | APY | N/A |
| Loan Type | Rate | Points | APR | Payment Example | ||||
|---|---|---|---|---|---|---|---|---|
| Purchase and Refinance Rates | Rate | Points | APR | Payment Example | Use the rates calculator to calculate payments for purchase, refinance and cash-out refinance options. | |||
| 5 Year Home Equity Fixed | Rate | 6.49% | Points | X | APR | 6.49% | Payment Example | $30,000 loan at 6.49% for 60 months - $587/month |
| 20 Year Home Equity Fixed | Rate | 6.99% | Points | X | APR | 6.99% | Payment Example | $30,000 loan at 6.99% for 20 years - $232/month |
| 25 Year Home Equity Line of Credit | Rate | 7.25% | Points | X | APR | 7.25% | Payment Example | $30,000 loan at 7.25% for 25 years - $181.25/month* *Interest only payment for 10 years, then changes to 15 year amortization. |
| 20 Year Fixed Land Loan | Rate | 8.50% | Points | 1.00 | APR | 8.64% | Payment Example | $100,000 loan at 8.50% for 20 years - $868*/month *Includes one discount point. |
How to Join Red Canoe Credit Union
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