Dividend Rates    |    Loan Rates Dividend Rates APY*   Checking   Daily Average Balance $300 or more 0.20%     Savings   Daily Average Balance $25 or more 0.45%       Christmas Club   Maximum Balance $10,000 1.09%       IRA and Share Certificates   A minimum balance of $500 is required to open a certificate account.  An additional 0.25% may be added to the rate if you receive direct deposit into a checking account or maintain at least $25,000 in savings and loans. Specials and promotions do not qualify for the .25% increase. 90 Days .75% 180 Days 1.03% 12 Months 1.38% 18 Months 1.50% 24 Months 1.75% 36 Months 2.05% 48 Months 2.21% 60 Months 2.75% 28 MONTH SPECIAL (new money or $2,500 min) 2.14% 55 MONTH SPECIAL (new money or $2,500 min)   2.96%     Variable IRA Savings 0.70%     Money Markets   Advantage (must have $2,000 to open and maintain a balance of $1000) 0.70% Rewards(must have $25,000 to open) 0.75% Golden(must have $75,000 to open)   0-$74999.99 .50% $75,000-up 1.00% Traditional or Roth IRA Money Markets   0-999.99 .40% $1,000-$14999.99 0.70% $15,000-up 0.85%     *APY = Annual Percentage Yield All rates may change at any time and the rates posted may not be current please call us for current rate information. Effective 04/08/2009     Dividend Rates    |    Loan Rates    |    Top Loan Rates APR* Mortgage and Home Equity Home Equity Line of Credit as low as 5.25% Home Equity Balloons as low as 5.50% First Mortgage 60-month Balloon Call for rate Fixed rate mortgage through RCCU Call for rate   Signature Loan Over $2,000 up to 36 months as low as 9.25% $1,000 to $2,000 25-36 months as low as 10.25% Less than $1,000 24 months as low as 11.25%    Master Card Rates   Master Card Platinum 10.99% Master Card Classic 13.99%     Auto, Truck, Van, Motorcycle, Boats, Campers and RV's **  Up to 24 months as low as 5.50% Up to 36 months as low as 5.75% Up to 48 months as low as 6.00% Up to 60 months as low as 6.25% Up to 72 months*** as low as 6.50%    Off Road Motorcycles, ATV, Personal Watercraft and Snowmobiles**  Up to 24 months 2008-2009 as low as 6.00% Up to 48 months 2008-2009 as low as 6.50% Up to 60 months 2008-2009 as low as 6.75% Up to 24 months 2002-prior as low as 9.00% Up to 48 months 2002-prior as low as 9.50% Up to 60 months 2002-prior as low as 9.75%   Student Loans (For loans disbursed on or after July 1, 2006) Federal Stafford Loans Borrow Rate    Loans made on or after July 1, 2006        6.8%        Federal PLUS Loans Loans made on or after July 1, 2006 8.50% *APR = Annual Percentage Rate **Actual rate will vary based on information provided by the credit reporting agencies.  To qualify for Rewards annual percentage rate (APR), you must have direct deposit of at least $500/month into a  checking account or at least $25,000 in mortgages and deposits at GRCCU.  Add 0.25% if less than 20% down.  Values based on NADA retail.  Add 0.50% if loan amount is under $10,000. ***$20,000 minimum balance required for 72 and 84 month loans.  Rates are subject to change at anytime. NCUA insured for at least $250,000. Dividend Rates    |    Loan Rates    |    Top Call one of our Loan Representatives for your rate or with any questions at 920-748-5336.