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Riverset Loan Rates

All rates effective May 15, 2012. Rates subject to change.

Expand Auto Loan Rates
Product APR TERM
New Vehicles 2011-2012
Term 01-63 months 3.49% - 13.50% 1-63 months
Term 64-66 months 3.79% - 11.99% 64-66 months
Term 67-72 months 4.19% - 10.29%

67-72 months
Term 73-78 months 4.69% - 6.39% 73-78 months

line
Used Vehicles
2011
Term 01-63 months		 3.59% - 14.60% 01-63 months
2011
Term 64-66 months		 3.89% - 13.19% 64-66 months
2011
Term 67-72 months		 4.29% - 7.79% 67-72 months
2011
Term 73-75 months		 4.59% - 6.29% 73-75 months
2010
Term 01-60 months		 3.79% - 14.90% 01-60 months
2010
Term 67-72 months		 4.09% - 9.89% 67-72 months
2009
Term 01-60 months		 4.39% - 15.30% 01-60 months
2008
Term 01-60 months		 4.49% - 15.30% 01-60 months
2007
Term 01-60 months		 4.69% - 15.50% 01-54 months
2006
Term 01-54 months		 5.39% - 9.19% 01-48 months
Special Offer

Additional discounts on auto loans are available – up to .75% off! Call us at 412.488.2525 or stop in for more details.
ExpandHome Equity Rates
Product APR TERM
Fixed Rate Loans (first or second lien)
Term 60 months 2.99% - 4.70% 60 months
Term 120 months 3.49% - 5.65% 120 months
Term 144 months 3.99% - 5.65% 144 months
 
ExpandHome Equity Lines of Credit 
Product APR TERM
Terms up to 240 months** Variable rate =
Prime + 0% -
presently 3.25% APR		 up to 240 months**
**Home Equity Line of Credit – The Annual Percentage Rate (APR) is based on the value of an index. The index is the Prime Rate published in the Money Rates column of The Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index available to us as of 30 days before the date of any annual percentage rate adjustment. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the index. If the rate is not rounded, we then round up to the next .25%. The annual percentage rate can change semi-annually on the first day of May and November. The rate cannot increase or decrease more than 1.0 percentage point at each adjustment. The Maximum Annual Percentage Rate that can apply is 15.0% or the maximum by law, whichever is less. However, under no circumstance will your Annual Percentage Rate go below 3.0% at anytime during the term of the plan. Your payment will never be less than $50.00, or the full amount that you owe. Rates are based on the type of loan, term of loan and your creditworthiness. All rates subject to change at any time without notice.
ExpandMortgage Rates 
Product APR TERM
First Mortgage  Call for rates Call for terms
Refinance Mortgage Call for rates Call for terms
ExpandPersonal Loan Rates
Product APR TERM

Signature – unsecured loans

Fixed Rates
Term up to 72 months 7.75% - 16.75% up to 72 months
Share secured loans
Term 1-36 months 4.00% 1-36 months
Term 37-60 months 6.00% 37-60 months
Share Certificate Secured*** Certificate rate + 2%  
***Share Certificate Secured - The Annual Percentage Rate(APR) is based on the dividend rate being paid on the certificate offered as security (INDEX)plus 2.00 percentage points(MARGIN). Certificates offered as security must be renewed until advance is completely paid. When certificate is renewed as required, the APR will change to reflect the new dividend rate. If the certificate is not renewed as required, the proceeds of the certificate will be applied towards the advance and any balance will become immediately due and payable. Any increase in the APR will result in more payments of the same amount. The present APR and Daily Periodic Rate will be disclosed on the voucher. The APR will never be lower than 4.00% or more than allowed by law.
 
*Low end of range shown may include the rate given to members with an 'A+' credit score (750 & up). Your actual APR or APY may vary based on a review of your credit application. Rates shown here do not reflect a .25% rate reduction given to members having Direct Deposit of their net pay into their credit union account. Quarter-percent rate reduction is currently given on Auto Loans and Signature Loans. (Does not include Home Equity Lines of Credit, Educational Loans, Computer Loans etc.) Presently for new auto loans, .25% discount is available to those who have the payment automatically deducted from their Riverset checking account. We would also be happy to discuss how you might improve your credit score.
ExpandVISA Credit Card Rates 

RIVERSET VISA CARD

APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases 		Riverset VISA Card
6.99% - 17.99% when you open your account, based on your creditworthiness.
APR for Cash Advances 6.99% to 17.99% when you open your account, based on your creditworthiness.
APR for Balance Transfers 6.99% to 17.99% when you open your account, based on your creditworthiness.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard .
 Fees

Set up and Maintenance Fees

-Annual Fee

-Account Set up Fee

 

 

None

None

Transaction Fees

-Foreign Transaction Fee

 

1.00% of each transaction in U.S. dollars

Penalty Fees

-Late Payment Fee

- Returned Payment Fee

 

Up to $20.00

Up to $25.00

How we will calculate your balance: We use a method called “average daily balance (including new Purchases).”


Effective Date.

The information about the costs of the card described in this application is accurate as of May 1, 2011.

 

This information may have changed after that date.  Fo find out what may have changed, contact the credit union.

 

OTHER DISCLOSURES

Late Payment Fee                               $20.00 or the amount of the required

                                                                 minimum payment, whichever is less.

 

Returned Payment Fee                      $25.00 or the amount of the required

                                                                 minimum payment, whichever is less.

 

Card Replacement Fee                      $5.00

 

To access the VISA Consumer Credit Card Agreement, click here.

 

 

Riverset Auto Loans

Riverset financing right at the dealership.

If you're in the market for a new or used vehicle, Riverset has got you covered! Learn how we can help.

E-statements

Stop receiving paper statements in the mail - receive them via e-mail!

E-statements are completely secure and a way for you to have access to your statements anytime via your fingertips. You can view them online or print them whenever you want directly from your online banking.  

Financial Planning Educational Tool

Financial planning.

Planning for the future can be a daunting task. To learn more about financial planning, check out this free module from BalanceTrack, a series of interactive educational tools offered to our members in partnership with Balance Financial Fitness!

The Credit Union Difference

What exactly is a credit union?

To learn more about what makes credit unions unique, click here.