Must be eligible for membership and open a share savings account in order to become a member and obtain any product or service. A $5 minimum balance is required to open share savings account and to be maintained in share savings account at all times. Fees and restrictions apply.
All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Must not have caused RFCU® a loss in order to be eligible to obtain a loan. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed rates remain fixed for the life of the loan and adjustable rates are subject to change after consummation. Various Mortgage programs and terms are available.
APY = Annual Percentage Yield.
ATM: Fees may apply for viewing account balance at some ATM locations. There are no surcharges for withdrawing funds from in-network ATM locations. Fees for use of foreign or non-proprietary ATMs may apply.
Advertised Share Certificate: The advertised share certificate APY is for a regular compounding 60 Month share certificate. The regular 60 month share certificate annual percentage yield (APY) is accurate as of January 1, 2020. The minimum balance required to open the regular 60 month share certificate and earn the disclosed APY is $1,000. Once a share certificate is opened, the dividend rate and APY will be in effect for the term of the account. Fees and other conditions could reduce earnings on the account. A penalty may be imposed for early withdrawal.
Must not have caused RFCU a loss in order to be eligible to open a checking account. Minimum opening deposit for all checking accounts is $25.Monthly maintenance fee for Easy Checking is $3 per month and Rewards is $8 per month but either fee can be waived with at least one direct deposit credited to checking account per month or 4 debit card Point-of-Sale (POS) transactions per month. Monthly maintenance fee for Safeguard checking is $8 with eStatements or $10 with paper statements. Age and other restrictions may also apply.
Must have username and PIN/password to access online banking service to open account online, and to use mobile banking, to set up alerts, to use card controls and other associated services. Standard wireless carrier text message, data, and/or internet service provider rates/fees may apply.
Instant issue cards: May be given to primary checking account owner or a joint account owner with a valid ID. If the joint owner is the parent/legal guardian, they may obtain an instant issue card for a primary owner that is under the age of 18.
Card security (card control): Available for members with a checking account, debit card, and mobile banking.
Automated Savings (Redstone Round Up): Must have checking account with debit card and Brighter Day Savings account to enroll in Redstone Round Up. Contact us for more information. Restrictions may apply.
2You will receive 10,000 MyChoice Rewards bonus points. To qualify and receive the bonus MyChoice Rewards points, you must charge the qualifying amount or more in purchases (minus returns, credits and adjustments) within the first 90 days from account opening (promotional period), using your Redstone Visa Signature credit card. The bonus MyChoice Rewards points do not apply to balance transfers, credit card checks, or overdrafts. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus MyChoice Rewards points fulfillment. Allow 45 days after promotional period has ended for bonus MyChoice Rewards points to post to your account.
3Balance Transfers Introductory Offer:
0% Intro Annual Percentage Rate (APR) for 6 months on Balance Transfers, after that, the standard variable APR will range from XX-xx for Visa Signature, and is based on creditworthiness when the account is opened. 0% Intro APR will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. The standard variable Balance Transfer APR applies to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable Balance Transfer APR in effect at the time. Rates, Terms, and Conditions are subject to change.
4As of January 1, 2020, the APRs are as low as XX for Visa Signature and may vary. APRs are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate.
Only one Brighter Day Savings Account is allowed per member. There is no minimum balance required to open a Brighter Day Savings Account. There is no minimum account balance required to earn the 5.09% annual percentage yield (APY), but the maximum account balance to earn this APY is $2,500. Any account balance over $2500 will earn 0.50% APY. As of January 1, 2020, the annual percentage yields for the Brighter Day Savings Account are current and both are subject to change monthly after the account is opened. Fees and other conditions could reduce the earning on the account. The APYs are accurate as of the last dividend declaration date. Please contact RFCU for current share savings rate information.
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