Rates

Current Rates as of: 11/8/2022

Dividend Rates

Share Accounts

Account TypeMinimum BalanceDividendAPY
Regular Shares $100 0.10% 0.10%
Share Draft Checking $100 0.00% 0.00%
Term Share Certificates - 6 Month Term $1,000 0.10% 0.10%
Term Share Certificates - 12 Month Term $1,000 0.15% 0.15%
Term Share Certificates - 18 Month Term $1,000 0.20% 0.20%
Term Share Certificates - 24 Month Term $1,000 0.25% 0.25%

Share rates and yields are subject to change without notice. Early withdrawal penalties may apply.

Loan Rates

Autos & Motorcycle

TypeMaximum TermAPRMonthly Payment per $1,000
New Autos & Motorcycles (2021 - 2023) less than 10,000 miles 4 years as low as 2.45% $21.89
New Autos & Motorcycles (2021-2023) less than 10,000 miles 5 years as low as 2.45% $17.73
New Autos & Motorcycles (2021-2023) less than 10,000 miles 6 years as low as 2.75% $15.08
New Autos & Motorcycles (2021-2023) less than 10,000 miles 7 years as low as 3.75% $13.55
Used Autos & Motorcycles (2017-2021) 4 years as low as 3.05% $22.16
Used Autos & Motorcycles (2017-2021) 5 years as low as 3.15% $18.04
Used Autos & Motorcycles (2017-2021) 6 years as low as 3.35% $15.35
Used Autos & Motorcycles (2016 & Older) 5 years as low as 6.05%  $19.36

Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history and are subject to change without notice.
*APR Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
Rome Teachers Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Boats, RVs, & Campers

TypeMaximum TermAPRMonthly Payment per $1,000
New Titled Boats, RVs, & Campers (2021-2023) 5 years as low as 3.45%  $18.17
New Titled Boats, RVs, & Campers (2021-2023) 6 years as low as 3.75%  $15.53
New Titled Boats, RVs, & Campers (2021-2023) 7 years as low as 4.05%  $13.69
New Titled Boats, RVs, & Campers (2021-2023) 10 years as low as 5.05%  $10.63
Used Titled Boats, RVs, & Campers (2017-2021) 5 years as low as 4.05%  $18.44
Used Titled Boats, RVs, & Campers (2017-2021) 6 years as low as 4.25%  $15.76
Used Titled Boats, RVs, & Campers (2017-2021) 7 years as low as 4.55%  $13.92
Used Titled Boats, RVs, & Campers (2017-2021) 10 years as low as 5.55%  $10.88
Used Titled Boats, RVs, & Campers (2011-2016) 5 years as low as 6.55%  $19.59
New Non-Titled Recreational Vehicles (2021-2023) 3 years as low as 4.35%  $29.68
New Non-Titled Recreational Vehicles (2021-2023) 4 years as low as 4.45%  $22.78
New Non-Titled Recreational Vehicles (2021-2023) 5 years as low as 4.55% $18.67
Used Non-Titled Recreational Vehicles (2017-2021) 3 years as low as 4.95%  $29.95
Used Non-Titled Recreational Vehicles (2017-2021) 4 years as low as 5.05%  $23.05
Used Non-Titled Recreational Vehicles (2017-2021)   5 years as low as 5.15% $18.94
Used Non-Titled Recreational Vehicles (2011-2016) 5 years as low as 6.15%  $19.40

Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history and are subject to change without notice.
*APR Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
Rome Teachers Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Home

TypeMaximum TermAPRMonthly Payment per $1,000
Home Improvement 5 years as low as 6.55% $19.59
Home Equity Loan - 80% LTV Fixed Rate - First Position 7 years 3.45% $13.42
Home Equity Loan - 80% LTV Fixed Rate - Second Position 7 years 4.20%  $13.76
Home Equity Loan - 80% LTV Fixed Rate - First Position 15 years 4.05%  $7.42
Home Equity Loan - 80% LTV Fixed Rate - Second Position 15 years 4.80%  $7.80
Home Equity Line of Credit - 80% LTV (Variable & Fixed Rate Available) 15 years  as low as 7.00%  $8.99

Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history and are subject to change without notice.
*APR Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
Rome Teachers Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Personal

TypeMaximum TermAPRMonthly Payment per $1,000
Graduate Tuition 2 years as low as 2.46% $42.74
Personal Loans 1 years as low as 5.05% $85.63
Personal Loans 2 years as low as 5.55% $44.12
Personal Loans 3 years as low as 6.05% $30.44
Personal Loans 4 years as low as 7.05% $23.97
Personal Loans 5 years as low as 8.05% $20.30
Debt Consolidation 5 years as low as 10.99% $21.74
Share Secured 5 years 2.65% over dividend rate of shares pledged  $17.82
Personal Line of Credit N/A 7.9% N/A
VISA® Credit Card N/A 9.9% N/A

Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history and are subject to change without notice.
*APR Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
Rome Teachers Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

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