Individual Retirement Accounts (IRAs)

Rates are determined using Trans Union Auto Specific FICO 08 Score and are not negotiable. In cases where a cosigner is required, the higher credit score is used to determine the rate. If one of the two applicants does not register a score, rate will be determined based on the applicant that has a credit score. Floor rate is 5.49%. If approved, mileage over 150,000 add 1% to the rate not to exceed 18%. Terms greater than 66 months only available on vehicles 2010 and newer with a loan amount of $15,000 or greater and mileage less than 75,000 miles. 80-84 months available only with approval on loans $25,000+ and on vehicles 2018 and newer with mileage less than 60,000. First due dates must not exceed 60 days from date of contract. Exceptions to due dates after the 25th of the month must be approved prior to funding. If total amount financed (including taxes, title fee & license fee) is less 80% of the MSRP or NADA retail value of the vehicle, a rate reduction of .25% will be applied. 79 month max term. If the vehicle is a new untitled hybrid vehicle we will extend a .25% rate reduction as part of our “go green” program. Must receive a dealer invoice stating this is a hybrid vehicle. All loans must be underwritten and approved by the credit union. Rate valid up to 36 months, no further discounts apply

* Not all applicants will qualify for the lowest rate

Rates are determined using Trans Union Auto Specific FICO 08 Score and are not negotiable. In cases where a cosigner is required, the higher credit score is used to determine the rate. If one of the two applicants does not register a score, rate will be determined based on the applicant that has a credit score. First due dates must not exceed 60 days from date of contract. Exceptions to due dates after the 25th of the month must be approved prior to funding. 10% Down payment on loans $25,000+

*Not all applicants will qualify for the lowest rate.

*Rates are subject to change until locked.

Rates and APR (Annual Percentage Rate) are subject to change at any time. Rates and/or points may vary depending on your specific needs and circumstance(s) such as credit history and other factors. APR calculations are based on $100k loan amount and 0 points for the purchase of a single-family, primary residence, with a credit score of at least 700, loan to value of 80% (20% down payment). Estimated points and origination fees are not a substitute for a loan estimate. Your actual rate, payment, and costs could be higher. Get an official loan estimate before choosing a loan. All borrowers are subject to qualification and final underwriting approval.

*Not all applicants will qualify for the lowest rate. 
Rates are subject to change until locked.

Rates and APR (Annual Percentage Rate) are subject to change at any time. Rates and/or points may vary depending on your specific needs and circumstance(s) such as credit history and other factors. APR calculations are based on $100k loan amount and 0 points for the purchase of a single-family, primary residence, with a credit score of at least 700, loan to value of 80% (20% down payment). Estimated points and origination fees are not a substitute for a loan estimate. Your actual rate, payment, and costs could be higher. Get an official loan estimate before choosing a loan. All borrowers are subject to qualification and final underwriting approval.

*Elite Money Market Account

*Not all applicants will qualify for the lowest rate.

Rates are determined using Trans Union Auto Specific FICO 08 Score and are not negotiable. In cases where a cosigner is required, the higher credit score is used to determine the rate. If one of the two applicants does not register a score, rate will be determined based on the applicant that has a credit score. First due dates must not exceed 60 days from date of contract. Exceptions to due dates after the 25th of the month must be approved prior to funding. If total amount financed (including taxes, title fee & license fee) is less than 80% of the MSRP or NADA retail value of the vehicle, a rate reduction of .25% will be applied. Loan amount must be $15,000 or greater on 2018 or newer year models to qualify for 64-75 month term.

*Not all applicants will qualify for the lowest rate.

*Not all applicants will qualify for the lowest rate.

Rates are determined using Trans Union Auto Specific FICO 08 Score and are not negotiable. In cases where a cosigner is required, the higher credit score is used to determine the rate. If one of the two applicants does not register a score, rate will be determined based on the applicant that has a credit score. First due dates must not exceed 60 days from date of contract. Exceptions to due dates after the 25th of the month must be approved prior to funding. Include dealer invoice for New and NADA Book-out Sheet for Used with all options. 15% minimum down payment on loans $50,000+ 10% minimum down payment on loans $25,000 - $49,999. Contracts will not be funded without all necessary paperwork (ie Membership Cards, Copies of Driver’s Licenses, proof of income, etc.) Revity Credit Union will not accept letters from employers as proof of income. Current check stubs with year to date income or IRS Tax documents are required.

All savings rates quoted as annual percentage yields. All share accounts other than Share 0 will be paid the Tier 1 dividend.

*Calculated on average daily balance.

**Bonus rate applies only to member's main share savings account.

All Share Certificate Rates subject to change without notice. Penalty for early withdrawal.
APY = Annual Percentage Yield. Fees may reduce earnings. *$1,000 Minimum deposit to open. Restrictions apply. Penalty for early withdrawal. No compounding, interest paid at maturity. Limited time only.  **$1,000 Minimum deposit to open. Restrictions apply. Penalty for early withdrawal. Interest paid at maturity. Limited time only.