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: March 29, 2022

Description
Rate
APY*
Share/Savings
0.05%
0.05%

* Annual Percentage Yield

Share Certificate

Effective as of: Effective as of March 29, 2022

Term
Rate
APY*
91 Day Share Certificate
0.25
0.25%
6 Month Share Certificate
0.30%
0.30%
9 Month Share Certificate
0.30%
0.30%
12 Month Share Certificate
0.499%
0.50%
15 Month Share Certificate
0.648%
0.65%
24 Month Share Certificate
0.648%
0.65%
36 Month Share Certificate
0.747%
0.75%
48 Month Share Certificate
0.797%
0.80%
60 Month Share Certificate
0.797%
0.80%

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: June 28, 2022

Length
Rate
First Mortgage (15 Year)
5.00%
First Mortgage (20 Year)
5.375%
First Mortgage (30 Year)
5.625%

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

Effective as of: March 29, 2022

APR
Length
Home Equity Line of Credit w/80% LTV*
5.00% Floor
10 Year Term
Home Equity Line of Credit w/90% LTV*
5.50% Floor
10 Year Term

*Based on prime

Personal Credit

Effective as of: May 16, 2022

Description
APR
VISA
9.50%
Personal Loan 1 – A Category Credit Score
7.50%
Personal Loan 2 – B Category Credit Score
8.00%
Personal Loan 3 – C Category Credit Score
9.00%
Personal Loan 4 – D Category Credit Score
11.00%
Personal Loan 5 – E Category Credit Score
16.00% $2,500.00 maximum
Recreational
6.25%
Home Improvement Loan
7.00%
Share Savings Pledge
2.50%

Auto Loans

Model Year’s 2022 – 2023

Effective as of: Aug 12, 2022

A
B
C
D
E
up to 48 months
4.00%
4.80%
6.38%
8.81%
13.66%
49 – 60 months
4.00%
5.28%
6.86%
9.27%
14.83%
63 – 66 months
4.64%
5.43%
7.01%
9.39%
15.96%
67 – 72 months
4.80%
5.62%
7.25%
9.64%
17.26%
73 – 84 months
5.61%
6.39%
7.99%
N/A
N/A

Model Years 2016 – 2021

Effective as of: Aug 12, 2022

A
B
C
D
E
up to 48 months
4.80%
5.62%
7.25%
9.28%
14.10%
49 – 60 months
4.80%
5.91%
7.50%
9.90%
15.15%
63 – 66 months
5.77%
6.57%
8.15%
11.33%
16.77%
67 – 72 months
6.57%
7.36%
8.98%
12.21%
18.07%
73 – 84 months
7.37%
8.18%
N/A
N/A
N/A

Model Year’s 2011 – 2015

Effective as of: Aug 12, 2022

A
B
C
D
E
up to 48 months
5.20%
5.99%
7.60%
9.58%
N/A
49 – 63 months
5.77%
6.57%
8.15%
10.52%
N/A
64 – 66 months
6.09%
6.88%
8.46%
11.68%
N/A
67 – 72 months
6.89%
7.72%
9.34%
12.61%
N/A
73 – 84 months
N/A
N/A
N/A
N/A
N/A

Individual Retirement Account

Effective as of: November 15, 2021

Rate
APY*
Individual Retirement Account
0.025%
0.025%

Money Market

Effective as of: November 15, 2021

Description
Rate
APY*
Money Market < $2,500.00
0.05%
0.05%
Money Market $2,500.00 – $9,999.99
0.05%
0.05%
Money Market $10,000.00 – $24,999.99
0.08%
0.08%
Money Market $25,000.00 – $49,999.99
0.10%
0.10%
Money Market $50,000.00 and over
0.15%
0.15%

Fees


ATM or Debit Card Fees

Effective as of: June 29, 2022

Description
Fee
Replacement ATM or Debit Card
$5.00
Rush delivery ATM/Debit Card
$30.00

Loan Fees

Effective as of: June 29, 2022

Description
Fee
Mortgage Loan Late Fee after 15 Days
$35.00
Skip-A-Pay
$25.00

Checking Fees

Effective as of: June 29, 2022

Description
Fee
Copy of Share Draft
$3.00
Stop Payment on Share Draft
$35.00
Returned Share Draft/ACH
$35.00
Protest a Check or Draft
$20.00
Manual Transfer Overdraft Protection
$5.00
Member Initiated Transfer
FREE
Automatic Overdraft Protection
FREE

General Fees

Effective as of: June 29, 2022

Description
Fee
IRA Enrollment Fee
$5.00
IRA Annual Fee
$20.00
IRA Premature Withdrawal Fee
$10.00
Inactive Account Fee
$20.00
Club Account Close Fee
$5.00
New Member Fee
$1.00
Check Issue to Non-Owner
$5.00
Returned Check Deposited
$20.00
Returned Electronic Transaction
$35.00
Stop Payment on Automatic Debit
$35.00
Statement Copies (hourly fee plus page fee)
$20.00
Statement Copies per page
$0.25
Returned Mail-Bad Address (per item)
$5.00