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: July 31, 2024

Description
Rate
APY*
Share/Savings
0.05%
0.05%

* Annual Percentage Yield

Share Certificate

Effective as of: July 31, 2024

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
4.50%
4.57%
12 Month Share Certificate
1.75%
1.76%
15 Month Share Certificate
1.75%
1.76%
24 Month Share Certificate
2.00%
2.01%
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: July 31, 2024

Length
Rate
First Mortgage (15 Year)
7.250%
First Mortgage (20 Year)
7.375%
First Mortgage (30 Year)
7.500%

Variable Rate HE L-O-C (Home Equity Line Of Credit)

Effective as of: September 24, 2024

Index + Margin
Resulting APR*
Payment per $1,000
Home Equity Line of Credit w/80% LTV
Prime – .25%
7.75%
$11.88
Home Equity Line of Credit w/90% LTV
Prime – .25%
8.25%
$12.27

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: September 24, 2024

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 2023 – 2024

Effective as of: September 24, 2024

Loan Term
Fixed APR as low as*
Payment per $1,000
48 months
6.25%
$23.61
60 months
6.25%
$19.46
66 months
7.05%
$18.33
72 months
7.25%
$17.18
84 months
8.26%
$15.72

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Model Years 2018 – 2022

Effective as of: September 24, 2024

Fixed APR as low as*
Payment per $1,000
48 months
7.25%
$24.07
60 months
7.25%
$19.93
66 months
8.46%
$19.01
72 months
9.46%
$18.26
84 months
10.46%
$16.85

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Model Years 2014 – 2017

Effective as of: September 24, 2024

Fixed APR as low as*
Payment per $1,000
48 months
7.76%
$24.31
60 months
8.46%
$20.50
66 months
8.86%
$19.20
72 months
9.86%
$18.46
84 months
n/a
n/a

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Individual Retirement Account

Effective as of: July 31, 2024

Rate
APY*
Individual Retirement Account
0.75%
0.75%

Money Market

Effective as of: July 31, 2024

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%