Low rates on more than just cars!
Get the pre-approval, financing, rates, terms, and buying tips you need in one convenient location – Revity CU.
Benefits You’ll Love
- Fast pre-approval for extra bargaining power
- Take advantage of low rates on new or used vehicles
- Receive a potentially lower rate when you refinance
- Get expert tips on car buying to avoid unwanted experiences
- Select from our handy list of dealerships across Illinois and Missouri
- Up to 120% financing available for qualified buyers
- Competitively low rates on new or used vehicles, RVs, Motorsports, and Boats.
- A wide range of terms customized to your unique needs
- Pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate/payment
- Enjoy local, Metro East decision-making and processing
- Helpful, member-first service throughout the entire process
Check out the list of Revity CU Indirect Auto Dealers. We've provided their contact information and web site links to make your shopping experience easy!
We know how intimidating it can be to make a large purchase, even under the best of circumstances. Here are some links to help you arm yourself with knowledge going into the process.
The U.S. Department of Energy will help you:
- Understand federal fuel efficiency standards
- Discover which vehicles meet or exceed those standards
- Estimate your fuel costs for specific trips
- Learn more about hybrid and electric cars
- And much more!
Carfax will help you:
- Find a local dealer
- Find a car that fits your needs
- View both new and used vehicles
- Obtain the history (order reports by VIN number) of a vehicle you're interested in
Hybrid Offer
Revity CU also offers a 0.25% rate discount when financing a new hybrid vehicle. Please view our current loan rate sheet here for details.
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Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Year | Term | APR* |
2018 & Newer | 36 | As low as 5.25% |
2018 & Newer | 69 | As low as 5.49% |
2018 & Newer | 84 | As low as 7.74% |
2014 - 2017 | 69 | As low as 6.89% |
2014 - 2017 | 79 | As low as 8.19% |
2010 - 2013 | 66 | As low as 8.59 |
2010 - 2013 | 72 | As low as 9.00% |
2009 & Older | 55 | As low as 8.69% |
* 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. 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
Boat Loans
Amount Financed | Maximum Term | APR* |
$50,000 - $75,000 | 96 | As low as 8.50% |
$25,000 - $49,999 | 84 | As low as 8.00% |
$15,001 - $24,999 | 72 | As low as 7.50% |
Less than $15,000 | 60 | As low as 7.00% |
* 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+
Credit Cards
Type | APR* |
Revity CU Rewards Mastercard | As low as 9.9% APR* |
Share Secured Credit Card | As low as 9.9% APR* |
*Not all applicants will qualify for the lowest rate.
First Mortgage Loans
Type | APR | |
10 Year Fixed | 5.750% | 6.087% |
15 Year Fixed | 5.875% | 6.114% |
20 Year Fixed | 5.950% | 6.145% |
25 Year Fixed | 6.250% | 6.416% |
30 Year Fixed | 6.375% | 6.524% |
7 Year Balloon | 5.375% | 5.649% |
*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.
Home Equity Loans
Type | Term | APR* |
Closed End | < 7 Year | As low as 6.50% |
Closed End | 10 Year | As low as 6.875% |
Closed End | 15 Year | As low as 6.950% |
*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.
Individual Retirement Account (IRA)
Balance Required to Earn Dividends | Rate* | APY* |
---|---|---|
$0 - $24,999.99 | 0.55% | 0.55% |
$25,000 - $49,999.99 | 0.70% | 0.70% |
$50,000 - $99,999.99 | 0.80% | 0.80% |
$100,000+ | 2.50% | 2.50% |
Land Loan
Type | APR* | |
15 Year Fixed | 6.250% | |
3 Year Balloon | 15 Year Amortization | Prime + 1.25% |
5 Year Balloon | 20 Year Amortization | Prime + 2.00% |
Money Market Account
Balance Required to Earn Dividends | Rate* | APY* |
---|---|---|
$2,500 - $24,999.99 | 1.80% | 1.80% |
$25,000 - $49,999.99 | 1.85% | 1.85% |
$50,000 - $74,999.99 | 1.90% | 1.90% |
$75,000 - $99,999.99 | 1.95% | 1.95% |
$100,000 or more | 2.00% | 2.00% |
$150,000.00 or more* | 2.75% | 2.75% |
*Elite Money Market Account
Motorsport Loans
Year | Maximum Term | APR* |
2018 & Newer | 75 | As low as 8.69% |
2011 - 2017 | 63 | As low as 8.59% |
2010 & Older | 63 | As low as 8.89% |
*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.
Personal Loans
Type | APR* |
Personal Loan - Closed End | As low as 8.9% |
Freedom Line - Open End | As low as 8.9% |
Quick Cash Loan | As low as 24.99% |
*Not all applicants will qualify for the lowest rate.
RV & Camper Loans
Amount Financed | Maximum Term | APR* |
$25,000 + | 190 | As low as 8.79% |
$15,000 - $24,999 | 132 | As low as 8.09% |
$14,999 & below | 84 | As low as 7.99% |
*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.
Share Accounts
Account | Balance Required to Earn Dividends | Rate* | APY* |
---|---|---|---|
Member Savings | $0 - $9,999.99 | 0.05% | 0.05% |
Member Savings | $10,000 - $24,999.99 | 0.05% | 0.05% |
Member Savings | $25,000+ | 0.10% | 0.10% |
Prime Time Club | Bonus on all balances** | 0.15% | 0.15% |
Simply MORE! Checking* | $0 - $10,000 | 1.25% | 1.25% |
Simply MORE! Checking* | $10,000.01 or more | 0.25% | 0.25% |
Christmas Club | All balances | 0.05% | 0.05% |
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.
Share Certificates
Type | Term | Minimum Balance Required | Rate* | APY* |
---|---|---|---|---|
Share Certificate | 6 Month | $1,000 | 1.74% | 1.75% |
Share Certificate | 7 Month* | $1,000 | 4.25% | 4.25% |
Share Certificate | 11 Month** | $1,000 | 4.00% | 4.00% |
Share Certificate | 12 Month | $1,000 | 2.58% | 2.60% |
Share Certificate | 18 Month | $1,000 | 2.62% | 2.65% |
Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
Type | Term | Minimum Balance Required | Rate* | APY* |
---|---|---|---|---|
Youth Share Certificate | 6 Month | $250 | 1.74% | 1.75% |
Youth Share Certificate | 12 Month | $250 | 2.58% | 2.60% |
Type | Term | Minimum Balance Required | Rate* | APY* |
---|---|---|---|---|
IRA Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
IRA Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
IRA Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
IRA Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
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.