RATES

*All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available.

*Loan requires a first lien equity position. Minimum loan of $10,000 and maximum of $250,000. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner-occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $10,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.

*Minimum loan of $5,000 and maximum of $250,000. LTV up to 80%. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $5,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.

*Maximum loan amount is $250,000.00 and maximum CLTV is 100%. Maximum DTI ratio is 45%. Rate is based on individual creditworthiness and is subject to change without notice. Owner occupied Single Family/Condo/Townhouse/Duplex properties only. Flood Insurance may be required. Applicable Trust review fees may apply. Other home equity loan programs, rates & terms available. Certain restrictions apply.

*The Annual Percentage Rate (APR) is 4.99% for the first year of the loan. After the first year, the APR will adjust to .51% below Prime Rate. Prime Rate is 6.75% as listed in The Wall Street Journal as of December 11, 2025. Rate based on individual creditworthiness and subject to change without notice. APR will not exceed 21% or fall below 3.00% in RI. The 10 year draw period is interest only payments then the 15 year repayment period is principal and interest payments. Minimum line of credit is $20,000 and maximum of $250,000. Existing Rhode Island Credit Union loans are eligible with at least a $20,000 line increase. Maximum loan-to- value is 80%. 1-4 family owner-occupied properties only. Property insurance (and flood insurance if applicable) are required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply. We will pay some or all of the bona-fide third party fees to open the plan. If you close your home equity line of credit plan within the first three (3) years from the opening date, you agree to reimburse us for any bona-fide third party fees we paid on your behalf. Rhode Island Credit Union NMLS #509121

*All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available.

*All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.

*Variable APR will be based on Prime Rate as published in the Wall Street Journal +6.90%. Current Prime Rate is 6.75%. Minimum credit line is $2,000.00 and maximum credit line is $10,000.00.

Last Dividend Declaration Date: 03/31/26
*APY is Annual Percentage Yield. Your interest rate and annual percentage yield may change after account is opened. Prime Share Account minimum balance is $5.00. Fees may reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Effective as of 05/01/26
*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For Money Market Savings Accounts, the Interest Rate and Annual Percentage Yield may change daily as determined by the Credit Union’s Board of Directors. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Effective Date: 05/21/26 through 05/27/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
*APY is Annual Percentage Yield. A $500 minimum opening deposit is required to open and earn the advertised APY. The APY is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Effective Date: 05/01/26 - 05/31/26
*APY is Annual Percentage Yield. Rate may change after account opening, and fees may reduce account earnings. Investment Plus Checking Account minimum balance is $2,500.00. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.