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%