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: November 10, 2022
|
Description
|
Rate
|
APY*
|
|
Share/Savings
|
0.05%
|
0.05%
|
* Annual Percentage Yield
Share Certificate
Effective as of: November 10, 2022
|
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 (new money)
|
3.00%
|
3.00%
|
|
12 Month Share Certificate
|
1.75%
|
1.75%
|
|
15 Month Share Certificate
|
1.75%
|
1.75%
|
|
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: November 10, 2022
|
Length
|
Rate
|
|
First Mortgage (15 Year)
|
6.500%
|
|
First Mortgage (20 Year)
|
6.750%
|
|
First Mortgage (30 Year)
|
7.000%
|
Variable Rate HE L-O-C (Home Equity Line Of Credit)
Effective as of: November 10, 2022
|
|
APR
|
Length
|
|
Home Equity Line of Credit w/80% LTV*
|
6.50% Floor
|
10 Year Term
|
|
Home Equity Line of Credit w/90% LTV*
|
7.00% Floor
|
10 Year Term
|
*Based on prime
Personal Credit
Effective as of: November 10, 2022
|
Description
|
APR
|
Maximum Limit
|
|
VISA
|
11.90%
|
|
|
Personal Loan 1 – A Category Credit Score
|
8.50%
|
$ 25,000
|
|
Personal Loan 2 – B Category Credit Score
|
9.00%
|
$ 20,000
|
|
Personal Loan 3 – C Category Credit Score
|
10.00%
|
$ 15,000
|
|
Personal Loan 4 – D Category Credit Score
|
11.00%
|
$ 7,500
|
|
Personal Loan 5 – E Category Credit Score
|
16.00%
|
$ 2,500
|
|
Recreational
|
7.50%
|
$ 75,000
|
|
Share Savings Pledge
|
4.00%
|
|
Auto Loans
Model Year’s 2022 – 2023
Effective as of: November 10, 2022
|
|
A
|
B
|
C
|
D
|
E
|
|
up to 48 months
|
5.00%
|
6.00%
|
7.98%
|
11.01%
|
17.07%
|
|
up to 60 months
|
5.00%
|
6.60%
|
8.58%
|
11.58%
|
18.53%
|
|
up to 66 months
|
5.80%
|
6.79%
|
8.76%
|
11.74%
|
19.95%
|
|
up to 72 months
|
6.00%
|
7.02%
|
9.06%
|
12.05%
|
21.57%
|
|
up to 84 months
|
7.01%
|
7.99%
|
9.99%
|
N/A
|
N/A
|
Model Years 2017 – 2021
Effective as of: November 10, 2022
|
|
A
|
B
|
C
|
D
|
E
|
|
up to 48 months
|
6.00%
|
7.02%
|
9.06%
|
11.60%
|
17.63%
|
|
up to 60 months
|
6.00%
|
7.38%
|
9.38%
|
12.38%
|
18.94%
|
|
up to 66 months
|
7.21%
|
8.22%
|
10.19%
|
14.16%
|
20.96%
|
|
up to 72 months
|
8.21%
|
9.20%
|
11.22%
|
15.26%
|
22.59%
|
|
up to 84 months
|
9.22%
|
10.23%
|
N/A
|
N/A
|
N/A
|
Model Year’s 2014 – 2016
Effective as of: November 10, 2022
|
|
A
|
B
|
C
|
D
|
E
|
|
up to 48 months
|
6.51%
|
7.48%
|
9.50%
|
11.97%
|
N/A
|
|
up to 60 months
|
7.21%
|
8.22%
|
10.19%
|
13.15%
|
N/A
|
|
up to 66 months
|
7.61%
|
8.60%
|
10.58%
|
14.60%
|
N/A
|
|
up to 72 months
|
8.61%
|
9.65%
|
11.67%
|
15.76%
|
N/A
|
|
up to 84 months
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Individual Retirement Account
Effective as of: November 10,, 2022
|
|
Rate
|
APY*
|
|
Individual Retirement Account
|
1.00%
|
1.00%
|
Money Market
Effective as of: November 10, 2022
|
Description
|
Rate
|
APY*
|
|
Money Market < $2,500.00
|
0.75%
|
0.75%
|
|
Money Market $2,500.00 – $9,999.99
|
1.00%
|
1.00%
|
|
Money Market $10,000.00 – $24,999.99
|
1.25%
|
1.25%
|
|
Money Market $25,000.00 – $49,999.99
|
1.50%
|
1.50%
|
|
Money Market $50,000.00 and over
|
1.75%
|
1.75%
|