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Loan Rates
Effective 01/23/12

Type of Loan


Annual Percentage Rate
Personal Unsecured

12-48 months, $1000 minimum 

  10.65%**
Retirement Loan
5 yr. max.
12.90%
Prime Line of Credit 6.90% Above Prime Rate*
10.15%
 
Share Collateral 3% Above Share Rate 
3.25%
 3 yr. max.
Certificate Collateral 3% Above CD Rate
refer to CD Rates
 
Home Equity Loan
5 yr. max. 80% LTV loans up to $24,999 4.75%
5 yr. max 80% LTV minimum loan of $25,000 4.25%**
10 yr. max. 80% LTV minimum loan of $25,000 4.75%**
15 yr. max. 80% LTV minimum loan of $25,000 5.25%**
 Home Stretch Home Equity Loan
 12 yr. max. 80% LTV 1st lien position, minimum loan of $10,000 and maximum of $250,000  3.89% 
Security Home Equity Line of Credit
80% LTV, The rate is 1.99% for 1st 12 months, .51% below Prime Rate* thereafter
1.99%
New Auto
5 yr. max. 2011-2012 Hybrid Autos 2.15%**
5 yr. max. 2011-2012 2.40%**
6 yr. max. 2011-2012 2.90%**
Used Auto
5 yr. max. 2010-2011 2.40%**
6 yr. max. 2010-2011 2.90%**
5 yr. max. 2009 2.40%**
6 yr. max 2009 2.90%**
4 yr. max. 2008 3.50%**
5 yr. max. 2008 3.50%**
4 yr. max. 2007 3.90%**
5 yr. max. 2007 3.90%**
3 yr. max. 2006 6.00%**
4 yr. max. 2006 6.20%**
5 yr. max. 2006 7.50%**
3 yr. max. 2005 6.25%**
4 yr. max. 2005 7.95%**
5 yr. max. 2005 8.50%**
3 yr. max. 2004 9.50%**
4 yr. max. 2004 9.85%**
New Mobile Home
10 yr. max., 30% down
11.90%
Used Mobile Home
7 yr. max., 30% down
11.90%
New Motor Home
7 yr. max., 20% down
12.75%
Used Motor Home
5 yr. max., 30% down
13.75%
New Boats
15 yr. max., 20% down, $50,000 max. loan
8.75%
Used Boats
15 yr. max., 20% down, $50,000 max. loan
9.25%
New Motorcycle
5 yr. max., 25% down
11.50%
Used Motorcycle
4 yr. max., 25% down
11.75%
*Current Prime Rate 3.25%
**Rate assumes a .25% discount for payments made by payroll deduction or automatic deduction from a 
Rhode Island Credit Union Checking Account.
All rates are subject to change without notice. New Auto Loan, Used Auto Loan, Home Equity Loan and Personal Loan interest rates are the lowest rates available and are determined by individual credit worthiness. Other rates and terms available.
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