Rome Federal Credit Union Building
Rome's Oldest Credit Union!

Current Rates

Rates and APR* are current as of 3/1/2017 and are subject to change without notice. Monthly payments are based on maximum term listed below per $1,000.

New and Used Vehicles including Motorcycles.



New AutosMax. TermAPR*Monthly Pymt. Per $1,000
2016-201760 MonthsAs low as 2.24%$17.64
2016-201772 monthsAs low as 2.49%$14.97
2016-2017-Minimum $20,00084 monthsAs low as 4.49%$13.90
2011-201560 MonthsAs low as 2.74%$17.86
2010 and older60 monthsAs low as 5.49%$19.11
2011-201561-72 monthsas low as 4.5%18.64


Rates are current as of 3/1/2017 and are subject to change without notice. Monthly payments are based on maximum term listed below per $1,000.



 Max. TermAPR*Monthly Pymt. Per $1,000.
Miscellaneous Secured-2010 or older60 MonthsAs low as 7.49%$20.04
New Recreational Vehicle60 MonthsAs low as 3.99%$18.42
New Recreational Vehicle - Minimum $10,00072 Monthsas low as 4.99%$16.11
New Recreational Vehicle - Minimum $20,000120 MonthsAs low as 6.99%$11.61
Used Recreational Vehicle 2011-201560 mos.as low as 4.24%$18.53
Used Recreational Vehicle 2011-2015 Minimum $10,00072 Monthsas low as 5.99%$16.58
Used Recreational Vehicle 2011-2015 Minimum $20,000120 Monthsas low as 7.74%$12.00
Unsecured-Maximum $250024 MonthsAs low as 5.49%$44.10
Unsecured36 MonthsAs low as 8.49%$31.57
Unsecured60 MonthsAs low as 9.49%$21.00
Home Improvement Loan60 MonthsAs low as 5.99%$19.33
Line of Credit60 Months12.50%$22.50
Share Secured60 Months3.25% over shares pledged$18.19


Requirements for Home Equity Loans, home must be located in Oneida County or surrounding counties. Must be owner occupied primary residence for at least 90 days or more. Maximum term is 15 years. No mobile homes. Not a revolving equity line and no variable rates offered at this time.


Home Equity LoansMax. TermAPR*Monthly Pymt. Per $1,000.
 61-120 months/121-180 monthsAs Low as 3.75%/As Low as 4.25%Based on rate & term


APR* Annual Percentage Rate


Dividend rates are current as of 9/24/2013 and are subject to change without notice.



Account NameMinimum Opening DepositMinimum Balance to Obtain APY*Dividend RateAPY*
Vacation$25.00$50.00.25%.26%
Savings$25.00$50.00.25%.26%
Money Market$2,000,00$2,000,00.40%.41%
IRA$1,000.00$1,000.00.50%.51%
Christmas Club$25.00$50.00.25%.26%
Share Certificate Accounts
60 Month Term$1,000.00$1,000.001.10%1.11%
24 Month Term$1,000.00$1,000.00.75%.76%
12 Month Term$1,000.00$1,000.00.50%.51%
06 Month Term$1,000.00$1,000.00.40%.41%


APY* Annual Percentage Yield