Loan Rates

Loan Rates Summary Report
Loan Type Annual Percentage Rate (APR*)
New & Used Auto Loans Starting at 4.50% (with discounts)
Refinanced Vehicles Loans Starting at 4.50% (with discounts)
RVs, Boats, ATVs, Motorcycle Loans Starting at 6.00% (with discounts)
Home Equity Loans Inquire for current rate
Personal (Signature) Loans Starting at 8.00%
Seasonal Special Personal Loans Starting at 8.00%
Visa® Credit Cards Starting at 10.90%
Shared Secured Loans 3.00% above current earning rate

Discounts available - 0.25% each - (Maximum Discount 0.75% - applied to collateral loans only):

  • 10 years with same employer

  • Having an existing River Town checking account

  • Payroll Payments or EFT from River Town account with Direct Deposit

  • Credit scores above 760

APR is Annual Percentage Rate and can vary based on creditworthiness and terms of the loan. Rate is subject to change. See credit union for details.

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Share Rates

Annual Percentage Yield is accurate as of September, 2026. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Deposit Account Rates Formatted
Account Type Min. Opening Deposit APY**
Regular Savings $5 0.15%
Checking Account $25 0-10%
Christmas Club $5 0.15%
Christmas Club 2 $5 0.35%
Health Savings Account $5 0.25%
Vacation Club $5 0.15%
Variable IRA Shares (up to $4,999.99) $5 0.50%
Variable IRA Shares ($5,000 – $49,999.99) 1.00%
Variable IRA Shares ($50,000 – $99,999.99) 1.10%
Variable IRA Shares ($100,000 and up) 1.15%
Money Market Super Share (up to $49,999.99) $5 0.85%
Money Market Super Share ($50,000 – $99,999.99) 1.20%
Money Market Super Share ($100,000 – $249,999.99) 1.25%
Money Market Super Share ($250,000 and up) 1.35%

Certificate Rates - Regular Share & IRA Certificates

Annual percentage yield is accurate as of May 1, 2025. Rates and other terms may change at any time without prior notice. $500 minimum required to open a share or IRA certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings. Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Share Certificate Rates Compari
Account Type APY** Term (Months)
6-Month Share Certificate 2.00% 6
1-Year Share Certificate 3.25% 12
2-Year Share Certificate 3.00% 24
3-Year Share Certificate 3.00% 36

Fee Schedule

Effective 4/1/2026

Loan Fees Schedule Organized
Loan Fees Cost
Paper Loan Application $10
Paper Application Loan Co-Applicant $5
Online Loan Application Free
Loan Skip Payment $35 (1x per 12 months)
Overnight Document Delivery $35
Refinance Auto (Existing CU Loan) $50 Each
Regular Loan - Late Fee $20 or 5% of payment (whichever is higher)
Visa Card Fees Summary
Fee Description Cost
Annual Fee No Charge
Late Payment Fee $20
Return Check Payment Fee $25
Share Value Summary
Item Value
Par Value of One Share $5
Account Fees and Summary Option
Category Service / Item Fee Terms/Conditions
Regular Share Monthly Maintenance None Must have e-Statements
Excessive Withdrawal $3 After 5 withdrawals per month
Club Accounts Club Excessive Withdrawal $3 After 3 per month (Christmas 1/Vacation/Special)
Christmas Club $15 Per withdrawal (requires account closure)
Checking Monthly Maintenance None Must have e-Statements
Insufficient Funds (NSF) $25 Per item (if check is paid and account is negative)
Check Cashing $499 and less $15 Applies to accounts with no other activity
$500 to $1,999 $20 Applies to accounts with no other activity
Over $2,000 $25 Applies to accounts with no other activity
Returned Check $10 Per item
Credit Union Fee Schedule Compi
Category Service / Item Fee
Account Maintenance Account Research $25/hour + $5/statement
Account Reconciliation $25 minimum
Dormant Account (24mo inactivity, <$25 balance) $10 Monthly
Early Account Closing (within 90 days) $15
Escheatment Fee $50
Verification of Deposit $5
Transfers & Payments Wire Transfer Funds Out $25
ACH Return Item / ACH NSF $25 per item
Overdraft Transfer (Share to Checking) $10 per transfer/day
Stop Payment (Single or Run) $25
Cards & Cash Debit Card Replacement First card is free, $25 for 2nd replacement card, $50 for 3rd replacement card. After 3rd card replacement you will no longer be issued a card.
Debit Card Replacement (Fraud) 1st free/year, then $7
Debit Card Replacement (Overnight) $35
Visa/Mastercard/Payroll Cash Advance $25 min. withdrawal*
Coin Processing 2% of total
Checks & Paper Cashier's Check $5 per item
Money Order $2 each
Temporary Checks (4 per page) $2 per page
Check Copy (Online vs. Branch) Free vs. $5
Paper Statement Fee $2
Statement Copy $2
Administrative Garnishment / Levy $30
Returned Mail / Bad Address $3
Fax / Copier Fee $3 per page
Mail Receipts (Night drop/Phone) $1
IRA Account Fees and Disclosure
Service / Item Fee
Annual Fee No Charge
Transfer Money to Another Institution $25
Safe Deposit Box Fees and Discl
Box Size Fee
3" x 5" $20
3" x 10" $30
5" x 10" $40
7" x 10" $50
10" x 10" $60
Lost key & drill lock fee" $100
Late Payment Fee $10
Notary Service Fees and Credit
Service Condition Fee
Accounts with balance below $25 or no activity $5
Wire Transfer Fees and Service
Transfer Type Fee
Outgoing (Domestic) $20
Incoming $10
International $40