Rivermark Credit Union | Current Rates

Our Difference
Locations
What's New
Events/Seminars
Employment
Community Involvement
Publications

Why Join Us
Who Can Join
How To Join

Auto Loan Center
Home Loan Center
VISA Credit Cards
Home Equity Loans
PayDay Advance Loans
More Loans
Education Loans

Checking
Savings
CDs
IRAs
GO! Money
Dollar Dog Kid's Club
Financial Calculators

MEMBERS Financial Services
Dental/Health Insurance
Credit Insurance
Mechanical Breakdown Insurance
Guaranteed Asset Protection
Insurance Verification

Online Banking
Online Banking Registration
Online Bill Pay
E-Statements
Order Checks
Change of Address
Stop Payment
Online Applications

Direct Deposit
Overdraft Protection
Financial Counseling
Travel/Foreign Currency
Telephone Teller
Verified by VISA
TurboTax
Dollar Dog Kid's Club

Consumer Loans
Savings & Investment
Mortgage Loans
Fee Schedule

Forms & Disclosures
Fraud Alerts
Seminars
Credit Reports

Phone & Email
Branches & ATMs
Lost/Stolen Information

current rates > consumer loans > product rate descriptions

Product Rate Descriptions

85% Convertible Home Equity Line of Credit

Financing up to 85% of the tax assessed value less 1st mortgage balance or 85% of the appraised value less 1st mortgage balance. Maximum loan to value percentage is subject to credit qualifications.
Financing available on property located in Oregon, Washington or Idaho only.
Must be your primary residence.
Appraisal required on loan amounts of $200,000 or more at member's expense.
Closing Costs : $150,000 or less: $100; over $150,000: actual closing costs over $250, which range from $0 to $1,500.
Free conversion to a fixed rate loan at time line of credit is established. $75.00 Conversion Fee (FINANCE CHARGE) to subsequently convert to or from a fixed rate loan.
No Annual Fee
No Origination Fees
Maximum APR 18%
Property Insurance required
Rates and terms are subject to change at any time without notice.

95% Convertible Home Equity Line of Credit

Financing up to 95% of the tax assessed value less 1st mortgage balance or 100% of the appraised value less 1st mortgage balance. Maximum loan to value percentage is subject to credit qualifications.
Financing available on property located in Oregon, Washington or Idaho only.
Must be your primary residence.
Appraisal required on loan amounts of $200,000 or more at member's expense.
Closing Costs : $150,000 or less: $100; over $150,000: actual closing cosst over $250, which range from #0 to $1,500
Free conversion to a fixed rate loan at time line of credit is established. $75.00 Conversion Fee (FINANCE CHARGE) to subsequently convert to or from a fixed rate loan.
No Annual Fee
No Origination Fees
Maximum APR 18%
Property Insurance required
Rates and terms are subject to change at any time without notice.

Auto New, Van, Pickup and SUV 2008 and Newer

Up to 72 month - Maximum loan to value is 105% of MSRP or Retail Kelley book including tax, license, insurance & warranties.
84 month - Maximum loan to value is 100% of MSRP or Retail Kelley book including tax, license, insurance & warranties. Minimum loan amount of $20,000
Subject to credit qualifications.
Reconstructed vehicles - up to 50% of Kelley Wholesale value or purchase price whichever is less.
Rates and terms are subject to change at any time without notice.

Auto Used, Van, Pickup and SUV 2000-2007

Up to 60 months - Maximum loan to value is 105% of Retail Kelley book including tax, license, insurance and warranties. Minimum loan amount of $5,000.
72 months – Maximum loan to value is 100% of Retail Kelley book including tax, license, insurance and warranties. Minimum loan amount of $12,000.
Subject to credit qualifications.
Reconstructed vehicles - up to 50% of Kelley Wholesale value or purchase price whichever is less.
Rates and terms are subject to change at any time without notice.

Older Auto, Van, Pickup and SUV 1997-1999

Financing up to Retail Kelley Book value or purchase price, whichever is less.
48 months – Minimum loan amount of $4,000.
60 months – Minimum loan amount of $5,000.
Subject to credit qualifications.
For vehicles 1990 and older, financing is available on an exception basis with a maximum term of 36 months.
An inspection or appraisal may be required.
Reconstructed vehicles - up to 50% of Kelley Wholesale value or purchase price whichever is less.
Rates and terms are subject to change at any time without notice.

New Motorcycle 2008 and Newer

Up to 90% of purchase price.
60 months – Minimum loan amount $5,000.
Rates and terms are subject to change at any time without notice.

Used Motorcycle 2000-2007

Up to 90% of NADA high book or purchase price, whichever is less.
Model years 1999-2001- Minimum loan amount $10,000 for up to 60 mo.
Model years 1996-1998- terms up to 48 months.
Rates and terms are subject to change at any time without notice.

Fixed Rate New RV, Boats, ATVs 2008 and Newer up to 84 months

Financing up to 80% of purchase price or High Kelley or NADA book, whichever is less.
Refinancing up to 100% of balance owed or High Kelley or NADA book, whichever is less.
Cash-out refinancing up to 80% of High Kelley or NADA book.
Rates and terms are subject to change at any time without notice.

Variable Rate New RV, Boats, ATVs 2008 and Newer over 84 months

Financing up to 80% of purchase price or High Kelley or NADA book, whichever is less.
Refinancing up to 100% of balance owed or High Kelley or NADA book, whichever is less.
Cash-out refinancing up to 80% of High Kelley or NADA book.
84 to 180 Months- Minimum loan amount $20,000.
Rates and terms are subject to change at any time without notice.

Fixed Rate Used RV, Boats, ATVs 1997-2007 up to 84 months

Financing up to 80% of purchase price or High Kelley or NADA book, whichever is less.
Refinancing up to 100% of balance owed or High Kelleyor NADA book, whichever is less.
Cash-out refinancing up to 80% of High Kelley or NADA book.
Rates and terms are subject to change at any time without notice.

Variable Rate Used RV, Boats, ATVs 1997-2007 over 84 months

Financing up to 80% of purchase price or High Kelley or NADA book, whichever is less.
Refinancing up to 100% of balance owed or High Kelley or NADA book, whichever is less.
Cash-out refinancing up to 80% of High Kelley or NADA book.
84 to 180 Months- Minimum loan amount $20,000.
Rates and terms are subject to change at any time without notice.

Classic VISA

ANNUAL PERCENTAGE RATE (APR) for Purchases	17.90%
Other APRs	17.90% for Cash Advances and Convenience Checks
Grace period (days) for repayment of balance for purchases	You will have 25 days to repay your balance for purchases before a finance charge will be imposed; no grace period for balance transfers, cash advances or convenience checks.
Method of computing the balance for purchases	Average daily balance including new transactions
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	None
Balance transfer fee	None
Late payment fee	$25.00 if more than 7 days past due
Over-the-credit-limit fee	$25.00
Foreign transactions	1% of the transaction amount
ATM fee (non-Rivermark ATMs)	Five (5) free transactions per month; $1.50 fee thereafter

Gold VISA

ANNUAL PERCENTAGE RATE (APR) for Purchases	12.90%
Other APRs	12.90% for Cash Advances and Convenience Checks
Grace period (days) for repayment of balance for purchases	You will have 25 days to repay your balance for purchases before a finance charge will be imposed; no grace period for balance transfers, cash advances or convenience checks.
Method of computing the balance for purchases	Average daily balance including new transactions
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	None
Balance transfer fee	None
Late payment fee	$25.00 if more than 7 days past due
Over-the-credit-limit fee	$25.00
Foreign transactions	1% of the transaction amount
ATM fee (non-Rivermark ATMs)	Five (5) free transactions per month; $1.50 fee thereafter

Platinum Rewards VISA

ANNUAL PERCENTAGE RATE (APR) for Purchases	9.90% (effective 7-26-08)
Other APRs	9.90% for Balance Transfers, Cash Advances and Convenience Checks.
Grace period (days) for repayment of balance for purchases	You will have 25 days to repay your balance for purchases before a finance charge will be imposed; no grace period for balance transfers, cash advances or convenience checks.
Method of computing the balance for purchases	Average daily balance including new transactions
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	None
Balance transfer fee	None
Late payment fee	$25.00 if more than 7 days past due
Over-the-credit-limit fee	$25.00
Foreign transactions	1% of the transaction amount
ATM fee (non-Rivermark ATMs)	Five (5) free transactions per month; $1.50 fee thereafter
Credit Limit	Minimum credit limit for Platimum Awards is $5,000.

Business Platinum Awards VISA

ANNUAL PERCENTAGE RATE (APR) for Purchases	13.90%
Other APRs	13.90% for Balance Transfers, Cash Advances and Convenience Checks.
Grace period (days) for repayment of balance for purchases	You will have 25 days to repay your balance for purchases before a finance charge will be imposed; no grace period for balance transfers, cash advances or convenience checks.
Method of computing the balance for purchases	Average daily balance including new transactions
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	None
Balance transfer fee	None
Late payment fee	$25.00 if more than 7 days past due
Over-the-credit-limit fee	$25.00
Foreign Transactions	1% of the transaction amount
Credit Limit	Minimum credit limit for Business Platimum Awards is $5,000.