Current Rates
Rochester & Monroe County Federal Credit Union is committed to providing the best options for our members. With lower fees and better fixed and variable interest rates than ordinary banks, we’re able to help our members save more interest on loans and earn more on your savings.
If you need more information about current rates, please call us at (585) 546-4279.
Current Rates
Savings
Effective as of: April 1, 2026
|
Description
|
Rate
|
APY*
|
|
Share/Savings
|
0.05%
|
0.05%
|
* Annual Percentage Yield
Share Certificate
Effective as of: October 13, 2026
|
Term
|
Rate
|
APY*
|
|
91 Day Share Certificate
|
1.15%
|
1.15%
|
|
6 Month Share Certificate
|
1.50%
|
1.51%
|
|
9 Month Share Certificate
|
1.50%
|
1.51%
|
|
11 Month SPECIAL
|
4.00%
|
4.06%
|
|
12 Month Share Certificate
|
1.75%
|
1.76%
|
|
15 Month Share Certificate
|
1.75%
|
1.76%
|
|
24 Month SPECIAL
|
3.46%
|
3.50%
|
|
36 Month Share Certificate
|
2.25%
|
2.27%
|
|
48 Month Share Certificate
|
2.50%
|
2.52%
|
|
60 Month Share Certificate
|
2.75%
|
2.78%
|
Our Share Certificates come in all sizes: Rates are based on weekly changes in Treasury Bill auctions. History proves that your Credit Union has consistently paid higher Annual Percentage Yields over the last five years. There is a substantial penalty for early withdrawal from the principal of all certificates.
Mortgage Rates
Effective as of: April 1, 2026
|
Length
|
Rate
|
|
First Mortgage (15 Year)
|
5.750%
|
|
First Mortgage (20 Year)
|
5.875%
|
|
First Mortgage (30 Year)
|
6.000%
|
Variable Rate HE L-O-C (Home Equity Line Of Credit)
Effective as of: April 1, 2026
|
|
Index + Margin
|
Resulting APR*
|
Payment per
$1,000
|
|
Home Equity Line of Credit w/80% LTV
|
Prime – .25%
|
6.50%
|
$11.36
|
|
Home Equity Line of Credit w/90% LTV
|
Prime – .25%
|
7.00%
|
$11.62
|
APR = Annual Percentage Rate is applicable only to home equity loans meeting certain requirements. The APR may not exceed 18.00%.
Unsecured Loan Rates
Effective as of: April 1, 2026
|
Type
|
Maximum
Loan/Term
|
Fixed APR*
|
Payment per $1,000
|
Credit Score
|
|
Visa Credit Card
|
|
11.90%
|
$30.00
|
|
|
Secured Visa Credit Card
|
|
18.00%
|
$30.00
|
|
|
Personal Loan 1 – A Category Credit Score
|
$25,000/60 months
|
8.50%
|
$20.52
|
680 & Above
|
|
Personal Loan 2 – B Category Credit Score
|
$25,000/60 months
|
9.00%
|
$20.76
|
640 to 679
|
|
Personal Loan 3 – C Category Credit Score
|
$20,000/60 months
|
10.00%
|
$21.25
|
600 to 639
|
|
Personal Loan 4 – D Category Credit Score
|
$5,000/36 months
|
11.00%
|
$32.27
|
580 to 599
|
|
Personal Loan 5 – E Category Credit Score
|
$2,500/24 months
|
16.00%
|
$46.14
|
579 & Below
|
|
Recreational
|
$75,000/60 months
|
7.50%
|
$20.04
|
|
*APR = Annual Percentage Rate
Auto Loans
Model Years 2025-2026
Effective as of: April 1 , 2026
|
Loan Term
|
Fixed APR as low as*
|
Payment per
$1,000
|
|
48 months
|
4.95%
|
$23.01
|
|
60 months
|
5.40%
|
$19.06
|
|
66 months
|
5.90%
|
$17.78
|
|
72 months
|
6.00%
|
$16.58
|
|
84 months
|
6.75%
|
$14.97
|
*APR = Annual Percentage Rate, APR varies depending on your credit history.
Model Years 2020 – 2024
Effective as of: April 1, 2026
|
|
Fixed APR as low as*
|
Payment per
$1,000
|
|
48 months
|
4.95%
|
$23.01
|
|
60 months
|
5.40%
|
$19.06
|
|
66 months
|
5.90%
|
$17.79
|
|
72 months
|
6.00%
|
$16.58
|
|
84 months
|
6.75%
|
$14.98
|
*APR = Annual Percentage Rate, APR varies depending on your credit history.
Model Years 2016-2019
Effective as of: April 1, 2026
|
|
Fixed APR as low as*
|
Payment per
$1,000
|
|
48 months
|
6.40%
|
$23.68
|
|
60 months
|
6.75%
|
$19.69
|
|
66 months
|
6.90%
|
$18.26
|
|
72 months
|
7.00%
|
$17.06
|
|
84 months
|
n/a
|
n/a
|
*APR = Annual Percentage Rate, APR varies depending on your credit history.
Individual Retirement Account
Effective as of: April 1, 2026
|
|
Rate
|
APY*
|
|
Individual Retirement Account
|
0.75%
|
0.75%
|
Money Market
Effective as of: April 1, 2026
|
Description
|
Rate
|
APY*
|
|
Money Market < $2,500.00
|
0.05%
|
0.05%
|
|
Money Market $2,500.00 – $9,999.99
|
0.30%
|
0.30%
|
|
Money Market $10,000.00 – $24,999.99
|
0.45%
|
0.45%
|
|
Money Market $25,000.00 – $49,999.99
|
055%
|
0.55%
|
|
Money Market $50,000.00 and over
|
0.60%
|
0.60%
|