Rate and Fee Schedule for Loan Services

Effective:

April 1, 2017

RGFCU Nationwide Mortgage Licensing System & Registry # (NMLS # 420886)

This Schedule is intended for informational purposes only.  Loan programs and rates are subject to change without notice, and this sheet does not serve as a guarantee of loan programs, rates, fees, credit approval, or conditions that may apply. Rates and terms are based on credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. All loan rates and dividends offered by the Register–Guard Federal Credit Union are determined by the Board of Directors and may change in the future without notice.  The Credit Union reserves the right to increase the payment on a loan when the accrued monthly interest exceeds the monthly payment.  Your interest rate on all loan products except Overdraft Loans, Personal Lines of Credit, and Pay Day Alternative Loans,  may be discounted up to .25% based upon your loan payment being set up on automatic repayment from a Register-Guard Federal Credit Union account.  – * Fixed APR; your APR will be based on your credit qualifications, term of loan and loan amount.

Vehicle Loans

Ask Us About Our Rate Matching Program!

ProductDescriptionTermAnnual Percentage
Rate (APR) WITH
Auto Payment
Annual Percentage Rate
(APR) WITHOUT
Automatic Payment
New Vehicles
Auto’s / Trucks
New: (2017 – 2015 Model Years)
- Purchase or Refinance.
Up to 100% of MSRP
Up to 84 months*2.49% - 14.99%*2.74% - 15.24%
Used Auto
Auto’s / Trucks / Motorcycles
Used: (2014 & Older)
Purchase or Refinance
Up to 115% of Kelley Wholesale Value

Salvage Vehicles – See Credit Union for details
Antique Vehicles – See Credit Union for details
Up to 60 months




Up to 36 months
Up to 60 months
*4.99% - 14.99%*5.49% - 15.24%
New Recreational Vehicles
& New Person Recreational Vehicles
New: (2017 – 2015) Purchase or Refinance
Up to 85% of MSRP

Motorcycles/ Boats / RV / Travel Trailers /
5th Wheelers Snowmobile / Jet Skis / Toy Haulers/
Up to 120 Months*5.24% - 16.24%*5.49% - 16.49%
Used Recreational Vehicles
& Used Personal Recreational Vehicles
Used: (2014) Purchase or Refinance
85% of Kelley or NADA Wholesale Value
Rate based upon term financed

Motorcycles/ Boats / RV / Travel Trailers /
5th Wheelers/Snowmobile / Jet Skis / Toy Haulers/
Up to 72 Months*6.24% - 16.24%6.49% - 16.49%

Other Loans

ProductDescriptionTermAnnual Percentage
Rate (APR) with
Full (4) Financial Partnership
Annual Percentage Rate
(APR) without
(No) Financial Partnership
SignatureMaximum personal loan is $10,000
Not to exceed aggregate unsecured
amount of $10,000
Fixed APR
Up to 48 Months*9.75% –16.50%*10.00% - 16.75%
Share Secured / Certificate SecuredFixed APRUp to
240 Months
*3.00%*3.25%
Stock/CoinsStock: Guard Publishing Stock Secured Only Coins: Up to 50%
of value of Coins
Up to 240 Months
(Stock)
Up to 12 months (Bonds/Coins)
*3.00%*3.25%
Pay Day Alternative LoanMaximum $500 or 50% of
monthly gross income,
the lesser of the two
Fixed APR
30 days
1 Pay Note
*18.00%*18.00%
Seasonal LoanFixed APR -- Maximum Seasonal Loan
is $999.00 Not to exceed aggregate
unsecured amount of $10,000
Fixed APR
Up to 9 Months*9.00% - 11.00%*9.25% - 11.25%
One – Pay NotesFixed Rate: Maximum Dollar Amt = $2,000
Maximum Loan Amt: 50% of Amount Received
Up to 90 days*16.00%*16.25%

Lines of Credit

ProductDescriptionTermAnnual Percentage
Rate (APR) with
Full (4) Financial Partnership
Annual Percentage Rate (APR) without
(No) Financial Partnership
Overdraft Line
of Credit
Limits up to $500.00
Not to exceed aggregate unsecured amount of $10,000
Automatic Payment Required
Variable Rate
Index: Prime Rate
(4.00%)
Minimum Payment: $50 per month
16.00%
Periodic Rate
(.043836)
16.00%
Periodic Rate
(.043836)
Personal Lines of CreditMaximum personal loan is $10,000
Not to exceed aggregate unsecured amount of $10,000
Auto Payment Required
Variable Rate
Index: Prime Rate
(4.00%)
Repayment: 3% of Credit Limit
11.00 - 12.00%
Periodic Rate
(.030137 - .032877)
11.00 - 12.00%
Periodic Rate
(.030137 - .032877)

Home Loans – Mortgages   (RGFCU NMLS # 420886)

Pacific Cascade Mortgage, LLC (NMLS # 354600) / (ML # 5005)
Whether you are buying your first home, refinancing your existing home, or moving into a better one, we offer a variety of mortgage options,
including great rates, flexible terms on variable amounts, and refinance choices through our partnership with Pacific Cascade Mortgage, LLC.
Our mortgage loan officer will listen to your needs and recommend a plan that’s right for you.
Please call the Credit Union office at (541) 988-9059 or David Hancock (NMLS # 330791) at Pacific Cascade Mortgage, LLC at (541) 912-1347 for more information.
www.registerguardfcu.com www.pacificcascademortgage.com

Home Equity Lines of Credit

EQUITY LOANSMARGIN ABOVE INDEXDAILY PERIODIC RATEANNUAL PERCENTAGE RATEFIXED OR VARIABLE RATE
Equity Line of Credit3.50%.019178 - .020548%6.50% - 7.00%Variable
Equity Line of Credit Sale *3.50%.013014% - .014384%4.50% - 5.00%Variable
(Index as of 12/14/2016: 1-month average of 6-month Treasury Bill: 0.062%, rounded to .75%)
*EQUITY LINE OF CREDIT: Your initial annual percentage rate will be held for 12 months. The discounted range of rates is 4.50% – 5.00% is shown above. This interest rate will revert to the prevailing rate that will be in effect on the first day of January or July following the 12-month anniversary of your initial loan disbursement. Property insurance required. Borrower pays all third party costs including appraisal fee, current market analysis cost, recording fees, title insurance, tax tracking, flood zone determination and tracking and others which range from $56.00 to $800.00 (e) and cost to re-convey Deed of Trust $130 (e) charged when loan is paid in full.   The ANNUAL PERCENTAGE RATE on a variable rate loan is subject to change on the first day of January and July. The index used is the monthly average of the 6–month Treasury Bill rounded up to the next .25%, as published in Register-Guard Newspaper or as published on the website http://www.treasurydirect.gov/ . We will use the most recent index value available to us as of 10 days before the date of any annual percentage rate adjustment. To determine the ANNUAL PERCENTAGE RATE that will apply to your account, we will add a margin to the value of the index. The margin shown above is the percentage you may be charged above the index. The ANNUAL PERCENTAGE RATE will never be less than 6.50% or greater than 18% or the maximum rate allowed by law, whichever is less. The rate cannot increase or decrease more than 2.0 percentage points at each adjustment. If the APR increases you may be required to make more payments of the same amount. These ANNUAL PERCENTAGE RATES may be lower than allowable under the terms of this addendum. We reserve the right to increase the ANNUAL PERCENTAGE RATE to the full percentage allowed (Index plus Margin) at any regular adjustment date in the future.

Home Loans – Manufactured Home Loans

MANUFACTURED HOME LOANSMARGIN ABOVE INDEXDAILY PERIODIC RATEANNUAL PERCENTAGE RATEFIXED OR VARIABLE RATE
Manufactured Home – No Land9.50%.036712% - .038082%13.40% - 13.90%Variable
Manufactured Home – With Land8.50%.033973% - .035342%12.40% - 12.90%Variable
(Index as of 12/14/2016: 1-month average of 6-month Treasury Bill: 0.062%, rounded to .75%)
MANUFACTURED HOMES: Maximum loan-to-value on Manufactured Home with No Land is 60% of the lesser of the purchase price, real market tax assessed value or appraisal. Maximum loan-to-value on Manufactured Home With Land is 65% of the lesser of the purchase price, real market tax assessed value or appraisal. Appraisals may be required on all purchase money loans. Member pays all third party costs including State of Oregon Fees – $55 (e), Escrow Fee – $150 (e). Member will be required to surrender title to manufactured home for all requests with Manufactured Home and Land programs.    The ANNUAL PERCENTAGE RATE on a variable rate loan is subject to change on the first day of January and July. The index used is the monthly average of the 6–month Treasury Bill rounded up to the next .25%, as published in The Register-Guard Newspaper or as published on the website http://www.treasurydirect.gov/ . We will use the most recent index value available to us as of 10 days before the date of any annual percentage rate adjustment. To determine the ANNUAL PERCENTAGE RATE that will apply to your account, we will add a margin to the value of the index. The margin shown above is the percentage you may be charged above the index. The ANNUAL PERCENTAGE RATE will never be less than 12.90% (Manufactured Home w/Land) or less than 13.90% (Manufactured Home with No Land) or greater than 18% or the maximum rate allowed by law, whichever is less. The rate cannot increase or decrease more than 2.0 percentage points at each adjustment. If the APR increases you may be required to make more payments of the same amount.

Loan Accounts Fee Disclosure

For Currently Offered Loan Programs.  Fees are not all inclusive – for a complete list of fees, see your loan agreement.
Loan Fees
Loan Application Processing Fee (ALL CONSUMER LOANS): $20
Loan Late Payment Fee (5 or More Days Late): $25
Forced Placed Insurance Processing Fee: $50
Loan Modification Fee/Loan Skip Payment Fee: $25
Flood Zone Determination & Life of Loan Tracking: $30
Overdraft Line of Credit Fees
Loan Late Payment Fee (5 or More Days Late): $25
Overdraft Transfer Fee (To Checking): $0.00
Over Limit Fee: $20/ per item
*Third Party (i.e. DMV) Lien Perfction Fees will be assessed at the time the loan is processed.
The rates and fees appearing in this schedule are accurate and effective for all Accounts as of the Effective Date indicated herein.  If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at 541-988-9059 (Eugene/Springfield) or 1-866-844-9455.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit fo the U.S. Government, National Credit Union Association, U.S. Government Agency.
Equal Housing Lender NCUA