APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 1/22/2025. Fees may reduce earnings.

Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
10 months** $500 3.95% 4.00%
12 months $500 0.30% 0.30%
15 months** $500 3.95% 4.00%
18 months $500 0.40% 0.40%
20 months** $500 3.95% 4.00%
24 months $500 0.40% 0.40%
36 months $500 0.40% 0.40%
48 months $500 0.40% 0.40%
60 months $500 0.40% 0.40%
6 months
Minimum Balance$500
Rate0.15%
APY0.15%
10 months**
Minimum Balance$500
Rate3.95%
APY4.00%
12 months
Minimum Balance$500
Rate0.30%
APY0.30%
15 months**
Minimum Balance$500
Rate3.95%
APY4.00%
18 months
Minimum Balance$500
Rate0.40%
APY0.40%
20 months**
Minimum Balance$500
Rate3.95%
APY4.00%
24 months
Minimum Balance$500
Rate0.40%
APY0.40%
36 months
Minimum Balance$500
Rate0.40%
APY0.40%
48 months
Minimum Balance$500
Rate0.40%
APY0.40%
60 months
Minimum Balance$500
Rate0.40%
APY0.40%

*Annual Percentage Yield (APY) is effective 1/22/2025 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

**This is a limited time offer and subject to change or be discontinued without further notice.  APY assumes interest remains on deposit until maturity.  At maturity, the 10 month CD will automatically renew to the standard 12-month CD product, the 15 month CD will automatically renew to the standard 18-month CD product with the current corresponding rate, the 20 month CD will automatically renew to the standard 24-month CD product Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.

Jumbo Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $25,000 0.20% 0.20%
12 months $25,000 0.35% 0.35%
18 months $25,000 0.45% 0.45%
24 months $25,000 0.45% 0.45%
36 months $25,000 0.45% 0.45%
48 months $25,000 0.50% 0.50%
60 months $25,000 0.50% 0.50%
6 months
Minimum Balance$25,000
Rate0.20%
APY0.20%
12 months
Minimum Balance$25,000
Rate0.35%
APY0.35%
18 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
24 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
36 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
48 months
Minimum Balance$25,000
Rate0.50%
APY0.50%
60 months
Minimum Balance$25,000
Rate0.50%
APY0.50%

Penalty for early withdrawal.

*Annual Percentage Yield (APY) is effective 07/20/2023 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

 

 

IRA Share Certificates Learn More

Term Minimum Balance Rate APY
6 months $500 0.15% 0.15%
10 months** $500 3.95% 4.00%
12 months $500 0.30% 0.30%
15 months** $500 3.95% 4.00%
18 months $500 0.40% 0.40%
20 months** $500 3.95% 4.00%
24 months $500 0.40% 0.40%
36 months $500 0.40% 0.40%
48 months $500 0.40% 0.40%
60 months $500 0.40% 0.40%
6 months
Minimum Balance$500
Rate0.15%
APY0.15%
10 months**
Minimum Balance$500
Rate3.95%
APY4.00%
12 months
Minimum Balance$500
Rate0.30%
APY0.30%
15 months**
Minimum Balance$500
Rate3.95%
APY4.00%
18 months
Minimum Balance$500
Rate0.40%
APY0.40%
20 months**
Minimum Balance$500
Rate3.95%
APY4.00%
24 months
Minimum Balance$500
Rate0.40%
APY0.40%
36 months
Minimum Balance$500
Rate0.40%
APY0.40%
48 months
Minimum Balance$500
Rate0.40%
APY0.40%
60 months
Minimum Balance$500
Rate0.40%
APY0.40%

*Annual Percentage Yield (APY) is effective 1/22/2025 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

 

**This is a limited time offer and subject to change or be discontinued without further notice.  APY assumes interest remains on deposit until maturity.  At maturity, the 10 month CD will automatically renew to the standard 12-month CD product, the 15 month CD will automatically renew to the standard 18-month CD product with the current corresponding rate, the 20 month CD will automatically renew to the standard 24-month CD product Additional deposits or withdrawals of principal after the opening date are not permitted. Early withdrawal penalties apply; refer to account disclosure for details. Withdrawal of interest will reduce earnings. May not be combined with other offers.

 

Jumbo IRA Certificates Learn More

Term Minimum Balance Rate APY
6 months $25,000 0.20% 0.20%
12 months $25,000 0.35% 0.35%
18 months $25,000 0.45% 0.45%
24 months $25,000 0.45% 0.45%
36 months $25,000 0.45% 0.45%
48 months $25,000 0.50% 0.50%
60 months $25,000 0.50% 0.50%
6 months
Minimum Balance$25,000
Rate0.20%
APY0.20%
12 months
Minimum Balance$25,000
Rate0.35%
APY0.35%
18 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
24 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
36 months
Minimum Balance$25,000
Rate0.45%
APY0.45%
48 months
Minimum Balance$25,000
Rate0.50%
APY0.50%
60 months
Minimum Balance$25,000
Rate0.50%
APY0.50%

*Annual Percentage Yield (APY) is effective 07/20/2023 and is subject to change without notice.  

Minimum balance required to open and obtain APY on Certificates of Deposit. 

Penalty for early withdrawal. Fees may reduce earnings. 

 

 

 

Regular Share Savings Learn More

Balance Rate APY
$25.01 - $4,999.99 0.025% 0.025%
$5,000.00 - $24,999.99 0.050% 0.050%
$25,000.00 - $49,999.99 0.075% 0.075%
$50,000.00+ 0.150% 0.150%
$25.01 - $4,999.99
Rate0.025%
APY0.025%
$5,000.00 - $24,999.99
Rate0.050%
APY0.050%
$25,000.00 - $49,999.99
Rate0.075%
APY0.075%
$50,000.00+
Rate0.150%
APY0.150%

Money Market Account Learn More

Balance Rate APY
$5,000.00 - $24,999.99 0.150% 0.150%
$25,000.00 - $49,999.99 0.200% 0.200%
$50,000.00 - $74,499.99 0.250% 0.250%
$75,000.00 - $99,999.99 0.300% 0.300%
$100,000.00+ 0.350% 0.350%
$5,000.00 - $24,999.99
Rate0.150%
APY0.150%
$25,000.00 - $49,999.99
Rate0.200%
APY0.200%
$50,000.00 - $74,499.99
Rate0.250%
APY0.250%
$75,000.00 - $99,999.99
Rate0.300%
APY0.300%
$100,000.00+
Rate0.350%
APY0.350%

New & Used Auto Loans (2019 and Newer) Learn More

FICO Score 36 months 48 months 60 months 72 months 84 months
750+ 4.50% 5.00% 5.00% 5.25% 5.50%
700 - 749 5.00% 5.50% 5.50% 5.75% 6.00%
650 - 699 6.50% 7.00% 7.00% 7.50% 7.75%
600 - 649 8.50% 9.00% 9.00% N/A N/A
599 & below 11.50% 12.00% 12.00% N/A N/A
750+
36 months4.50%
48 months5.00%
60 months5.00%
72 months5.25%
84 months5.50%
700 - 749
36 months5.00%
48 months5.50%
60 months5.50%
72 months5.75%
84 months6.00%
650 - 699
36 months6.50%
48 months7.00%
60 months7.00%
72 months7.50%
84 months7.75%
600 - 649
36 months8.50%
48 months9.00%
60 months9.00%
72 monthsN/A
84 monthsN/A
599 & below
36 months11.50%
48 months12.00%
60 months12.00%
72 monthsN/A
84 monthsN/A

Used Auto Loans (2018 and Older) Learn More

FICO Score 36 months 48 months 60 months
750+ 5.25% 5.50% 5.75%
700 - 749 5.75% 6.00% 6.25%
650 - 699 7.25% 7.50% 7.75%
600 - 649 9.25% 9.50% 9.75%
599 & below 12.25% 12.50% 12.75%
750+
36 months5.25%
48 months5.50%
60 months5.75%
700 - 749
36 months5.75%
48 months6.00%
60 months6.25%
650 - 699
36 months7.25%
48 months7.50%
60 months7.75%
600 - 649
36 months9.25%
48 months9.50%
60 months9.75%
599 & below
36 months12.25%
48 months12.50%
60 months12.75%

Recreational Vehicle Loans Learn More

FICO Score 60 months 72 months 84 months 120 months
750+ 9.00% 9.50% 10.00% 10.50%
700 - 749 11.00% 11.50% 12.00% 12.50%
650 - 699 13.00% 13.50% 14.00% 14.50%
600 - 649 15.00% 15.50% 16.00% 16.50%
599 & below 17.00% 17.50% 18.00% 18.50%
750+
60 months9.00%
72 months9.50%
84 months10.00%
120 months10.50%
700 - 749
60 months11.00%
72 months11.50%
84 months12.00%
120 months12.50%
650 - 699
60 months13.00%
72 months13.50%
84 months14.00%
120 months14.50%
600 - 649
60 months15.00%
72 months15.50%
84 months16.00%
120 months16.50%
599 & below
60 months17.00%
72 months17.50%
84 months18.00%
120 months18.50%

Unsecured Personal Loans Learn More

FICO Score 12 months 24 months 36 months 48 months 60 months
750+ 8.00% 8.50% 9.00% 9.50% 10.00%
700 - 749 9.00% 9.50% 10.00% 10.50% 11.00%
650 - 699 11.00% 11.50% 12.00% 12.50% 13.00%
600 - 649 13.00% 13.50% 14.00% 14.50% 15.00%
750+
12 months8.00%
24 months8.50%
36 months9.00%
48 months9.50%
60 months10.00%
700 - 749
12 months9.00%
24 months9.50%
36 months10.00%
48 months10.50%
60 months11.00%
650 - 699
12 months11.00%
24 months11.50%
36 months12.00%
48 months12.50%
60 months13.00%
600 - 649
12 months13.00%
24 months13.50%
36 months14.00%
48 months14.50%
60 months15.00%

Mastercard Credit Cards Learn More

FICO Score APR
750+ 10.90%
700 - 749 13.90%
650 - 699 15.90%
600 - 649 17.90%
750+
APR10.90%
700 - 749
APR13.90%
650 - 699
APR15.90%
600 - 649
APR17.90%

HELOC (Home Equity Line of Credit) ** Learn More

FICO Score HELOC APR* Variable Rate Introductory APR* First 24 Months Loan to Value Ratio
750+ WSJ Prime =7.50% 5.25% 90%
700 - 749 WSJ Prime +.50% =8.00% 5.25% 85%
650 - 699 WSJ Prime +1.00% =8.50% 5.25% 80%
600 - 649 WSJ Prime +2.00% =9.50% 5.25% 80%
599 & Below WSJ Prime +3.00% =10.50% 5.25% 70%
750+
HELOC APR* Variable RateWSJ Prime =7.50%
Introductory APR* First 24 Months5.25%
Loan to Value Ratio90%
700 - 749
HELOC APR* Variable RateWSJ Prime +.50% =8.00%
Introductory APR* First 24 Months5.25%
Loan to Value Ratio85%
650 - 699
HELOC APR* Variable RateWSJ Prime +1.00% =8.50%
Introductory APR* First 24 Months5.25%
Loan to Value Ratio80%
600 - 649
HELOC APR* Variable RateWSJ Prime +2.00% =9.50%
Introductory APR* First 24 Months5.25%
Loan to Value Ratio80%
599 & Below
HELOC APR* Variable RateWSJ Prime +3.00% =10.50%
Introductory APR* First 24 Months5.25%
Loan to Value Ratio70%

The 24-month introductory rate beings at time of loan closing. A minimum first draw of $5,000 is required. Processing Fee of $250.00 due at closing.

*APR = Annual Percentage Rate (APR) is effective 1/23/2025 and is subject to change without notice. 

**The variable APR is determined by the Wall Street Journal Prime with a  +/- margin.  The rate is variable and can change monthly. The floor rate after the introductory period is 0% and the maximum rate is 18.00%.  The line of credit has a 10 year draw period and a 20 year repayment period.  Monthly payment are interest only during the draw period.

Lancaster Red Rose Credit Union NMLS ID 770445

Share & Certificate Secured Loans Learn More

Type APR
Share Secured 3.00%
Certificate Secured 3.00% over CD rate
Share Secured
APR3.00%
Certificate Secured
APR3.00% over CD rate