RG Federal Credit Union Info and Reviews

RG Federal Credit Union is our focus here. I’ll be taking a look at a lot of info on them like products, rates, member eligibility and more.

By the time you’re finished reading, it should give you useful information to make an educated decision about working with them.

At the end, you can also add in your own personal review of this CU if you have experience with them.

If you currently work there and want to be notified when reviews come in, please email [email protected] and request to be on the email list. Please say the specific name of your credit union in the subject line.

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Check Your Personal Loan Rate with SoFi

*Routing #: 301080392

*Phone #: 1-866-852-6478

*Locations:

128 West Markey Road
Belton, MO 64012-1722

603 North Hwy 23
Knob Noster, MO 65336

760 Arnold Ave (Bldg 530)
Whiteman AFB, MO 65305

A Little History on RG Federal Credit Union

This credit union started in 1957 and was originally just to serve air force base personnel. Throughout the years, it’s gone through various mergers and continually grown to become a good looking CU. Today, their assets are just over $100 million and you can access your cash from here at over 5,000 different locations because of their involvement in the CO-OP shared branch network.

Do They Give Back At All?

While I couldn’t find anything about specific charitable giving, they do have a scholarship program that gives out two $2,000 scholarships annually.

Membership Eligibility

If you want to join RG Federal Credit Union, you’ll need to meet some requirements. Those center around where you live, work, worship or attend school. The qualifying Missouri counties for that are Bates, Benton, Cass, Cedar, Henry, Hickory, Jackson, Johnson, Morgan, Pettis, St. Clair and Vernon.

Family members can also get you in, too.

Their Products at RG Federal Credit Union

This Missouri non-profit financial institution has a handful of personal products. When it comes to business offerings, those are fairly slim. However, they do offer a great selection of different business checking accounts.

Their other personal products include ATM/Debit Cards, checking accounts, prepaid cards, savings accounts (plus other variations, like Smart Saver and Club accounts), IRAs, and various loan/mortgage products.

You can also find insurance. It does not look like they offer any health savings accounts there.

Rates

(rates were all current at the time of publishing this article, however, they are subject to change without notice)

VEHICLE LOANS at RG Federal Credit Union

Effective as of: 03/01/2021
While we attempt to keep our website current, please note – branch rates will always prevail.

Vehicle Loans, Boats, Motorcycles, RVs

Loan TypeAPR* as low as
New Autos (2020 and newer)1.99%
Used Autos (2018-2019)1.99%
Used Autos (2017-2015)2.99%
Used Autos (2012-2014)3.99%
Used Autos (2011 and older)4.99%
Motorcycles1.99%
Boats1.99%
RVs (Campers/Motor Homes/Trailers)1.99%
*Annual percentage rate (APR) listed above may be different than the APR you qualify for. APR may vary depending on your credit, vehicle age, loan to value (LTV), and term. Speak to a loan officer for details on how your rate is determined.
Auto terms between 86 and 108 months minimum loan amount $20,000.
RV terms over 108 months minimum loan amount $40,000. RV terms over 120 months minimum $40,000 and new RVs only.
The Credit Union reserves the right not to lend on certain collateral based upon collateral age, mileage, history, or condition and may require a visual inspection of the collateral.

Personal Loans at RG Federal Credit Union

Effective as of: 03/01/2021
While we attempt to keep our website current, please note – branch rates will always prevail.

Secured Loans

Loan TypeAPR
100% Share/Certificate Secured Up To 60 Months2.00%
100% Share/Certificate Secured 61-120 Months3.00%

VISA Credit Cards

Card TypeAPR
R-G Federal Credit Union Classic Visa Card12.75%
R-G Federal Credit Union Platinum Visa (Rates starting as low as)8.75%

Signature Loans

Beacon ScoreTerm (Months)APR
Above 730 (Max 6X GMI subject to credit approval)0 to 606.99%
680 to 729 (Max 5X GMI subject to credit approval)0 to 607.99%
640 to 679 (Max 4X GMI subject to credit approval)0 to 489.99%
600 to 639 (Max 3X GMI subject to credit approval)0 to 3612.99%
500 to 599 (Max 2X GMI subject to credit approval)2416.99%
No Score (Max $500 individual / $1000 joint subject to credit approval)1217.99%
499 and Below (with score)Does not qualify for signature loan
Limits listed above are maximum cumulative totals for all unsecured lines with RGFCU. GMI = Gross Monthly Income.

Estimated Payments per $1000.00 Borrowed

ProductAPR / TermEstimated per $1000 Borrowed
100% Share / Certificate Secured2.00% / 36 Months*$28.65
New Vehicle loan (as low as)1.99% / 36 Months*$28.65
Personal loan9.99% / 36 Months*$32.27
*APR for illustration with term not exceeding 36 months. Other rates and terms available. Final rate and term will be based on your credit worthiness and collateral. Estimated monthly payments on 36-month loan at __% APR = $__.__ per $1000 borrowed.

HOME LOANS

Effective as of: 07/01/2021

Term730 and Above Beacon680-729 Beacon
10 Year Fixed – 80% LTV1.95%2.20%
15 Year Fixed – 80% LTV2.15%2.40%
20 Year Fixed – 80% LTV2.60%2.85%
30 Year Fixed – 80% LTV2.85%3.10%
Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.
Rates may vary for refinance or cash-out refinance.

First Mortgage – Purchase (600-679 Beacon)

Term640-679 Beacon600-639 Beacon
10 Year Fixed – 80% LTV2.45%2.95%
15 Year Fixed – 80% LTV2.65%3.15%
20 Year Fixed – 80% LTV3.10%3.60%
30 Year Fixed – 80% LTV3.35%3.85%
Actual APR May Vary. 1% Origination Fee charged on all 1st Mortgages.
Rates my vary for refinance or cash-out refinance. 

Fixed Rate Second Mortgages (680 and Above Beacon)

Term730 and Above Beacon680-729 Beacon
5-Yr – 100% LTV3.650%N/A
5-Yr – 95% LTVN/A4.150%
10-YR – 100% LTV3.75%N/A
10-Yr – 95% LTVN/A4.25%
15-Yr – 100% LTV3.85%N/A
15-Yr – 95% LTVN/A4.35%
Amount of $5,000 – $125,000 based on credit worthiness. Actual APR May Vary. 1% Origination Fee charged on all 2nd Mortgages

Fixed Rate Second Mortgages (600-679 Beacon) at RG Federal Credit Union

Term640-679 Beacon600-639 Beacon
5-Yr – 85% LTV4.650%N/A
5-Yr – 80% LTVN/A5.150%
10-Yr – 85% LTV4.75%N/A
10-Yr – 80% LTVN/A5.25%
15-Yr – 85% LTV4.85%N/A
15-Yr – 80% LTVN/A5.35%
Amount of $5,000 – $125,000 based on credit worthiness. Actual APR May Vary. 1% Origination Fee charged on all 2nd Mortgages
ScoreMax LTVCurrent Rate
730 and Above Beacon100%3.750%
680-729 Beacon90%3.750%
640-679 Beacon80%3.750%
10 Yr Draw / 15 Yr Repayment
Origination Fee: $100
Adjustment: Quarterly
Index/Margin: WSJ Prime (as of 6/10/2021) plus .50%

APR = Annual Percentage Rate. Subject to approval. Variable APR adjusted quarterly based on WSJ Prime Rate (Index) – a margin for the life of the loan. Minimum floor rate of 2.99% APR, maximum 18.00% APR. Max LTV based on credit tier. Raters/terms vary based on LTV, amount, term, lien position, and credit qualifications. Offer not available for refinance of existing R-G home equity loans. $100 origination fee assessed. Other fees may apply. HELOC has a 10-year draw period and 15-year repayment period. Min line $10K, Max $150K based on property value. Minimum initial advance is $1000. Property insurance required. Flood insurance may be required.

Effective as of: 3/1/2021

Share Accounts

Balance AmountRateAPY
$100.00 to $4,999.990.01%0.01%
$5,000.00 to $24,999.990.05%0.05%
$25,000.00 to $49,999.990.10%0.10%
$50,000.00 to $99,999.990.15%0.15%
$100,000.00 to $149,999.990.20%0.20%
$150,000.00 to $249,999.990.25%0.25%
$250,000.00 to $499,999.990.25%0.25%
$500,000.00 and above0.25%0.25%

Smart Saver

Balance AmountRateAPY
$500.00 to $4,999.990.05%0.05%
$5,000.00 to $24,999.990.10%0.10%
$25,000.00 to $49,999.990.15%0.15%
$50,000.00 to $99,999.990.20%0.20%
$100,000.00 to $149,999.990.25%0.25%
$150,000.00 to $249,999.990.30%0.30%
$250,000.00 to $499,999.990.30%0.30%
$500,000 and above0.30%0.30%

Club Accounts

Balance AmountRateAPY
$100.00 and Over0.10%0.10%

IRA Accounts

Balance AmountRateAPY
$100.00 and Over0.50%0.50%

Elite Checking

Balance AmountRateAPY
$100.00 and Over0.01%0.01%

Share Certificates ($500 – $250,000)

TermRateAPY
6 Mos..15%.15%
12 Mos..30%.30%
24 Mos..45%.45%
36 Mos..55%.55%
48 Mos..80%.79%
60 Mos..90%.88%

Senior Share Certificates at RG Federal Credit Union ($500 – $250,000)

TermRateAPY
Senior 6 Mos..20%.20%
Senior 12 Mos..35%.35%
Senior 24 Mos..50%.50%
Senior 36 Mos..60%.60%
Senior 48 Mos..85%.84%
Senior 60 Mos..95%.93%

Effective as of: 3/1/2021

Business Share Deposits

Balance AmountRateAPY
$100.00 to $4,999.990.01%.01%
$5,000.00 to $24,999.990.05%0.05%
$25,000.00 to $49,999.990.10%0.10%
$50,000.00 to $99,999.990.15%0.15%
$100,000.00 to $149,999.990.20%0.20%
$150,000.00 to $249,999.990.25%0.25%
$250,000.00 to $499,999.990.25%0.25%
$500,000.00 and above0.25%0.32%

Business Smart Saver at RG Federal Credit Union

Balance AmountRateAPY
$500.00 to $4,999.990.05%0.05%
$5,000.00 to $24,999.990.10%0.10%
$25,000.00 to $49,999.990.15%0.15%
$50,000.00 to $99,999.990.20%0.20%
$100,000.00 to $149,999.990.25%0.25%
$150,000.00 to $249,999.990.30%0.30%
$250,000.00 to $499,999.990.30%0.30%
$500,000.00 and above0.30%0.30%

Business Dividend Checking

Balance AmountRateAPY
All Balances0.01%0.01%

Business Share Certificates ($500 – $250,000)

TermRateAPY
6 Mos.0.15%0.15%
12 Mos.0.30%0.30%
24 Mos.0.45%0.45%
36 Mos.0.55%0.55%
48 Mos..80%0.79%
60 Mos..90%.88%

RG Federal Credit Union – Final Thoughts

This smaller Missouri CU has most of the usual products that you would find at a bank or big credit union. There are some areas where they aren’t quite as strong like not offering HSAs or other business products besides checking accounts. At the end of the day, though, they do have competitive rates on a lot of their loans and plenty of products for meeting the typical bank customer’s needs. Plus, they give back through their scholarship program at RG Federal Credit Union , which is always great to see.

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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.

*This site is not affiliated with the Credit Union mentioned in this article.