RTN

600 MAIN ST
Waltham, MA 02452

Notable Rates	APY	Vs.Others
Savings	0.10%	2.30% →
1-Year CD	1.40%	2.25% →
2-Year CD	1.80%	2.50% →
5-Year CD	2.36%	2.80% →
30-Year Mortgage	N.A.	3.31% →
15-Year Mortgage	N.A.	2.77% →
HELOC	N.A.	4.00% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2019 Overview

General Credit Union Information

Rtn is an NCUA insured institution located in Waltham, MA. It was founded in 1945 and has approximately $906.11 millions in assets.

Who can join?

Ways to be eligible for membership at RTN Federal Credit Union listed below:

Family Membership – If you are related to someone who is already an RTN FCU member or eligible to be a member of the Credit Union.

Employee Group – If you are employed by, retired from or have a family member that is working for or is retired from one of their employer groups.

Organization Group – If you belong to specific educational and/or fraternal groups — or have a family or household member that does — you are eligible to join.

Affiliation Membership – Membership in any one of these groups listed below qualifies you for membership in RTN FCU. The Credit Union will do all the necessary processing to help you join these groups. Just choose the organization you’re interested in.

Amesbury Carriage Museum, Greater Boston Sickle Cell Disease Association, Inc., Danvers Historical Society, Gore Place, Tewksbury Historical Society, Wakefield Repertory Theatre, Waltham Historical Society


NCUA Insured	Yes
Charter Number #	# 24311
Date Established	1945
Assets	$906.11 million
Loans	$510.68 million
Deposits	$768.59 million
Capital	$103.77 million

Field of Membership Restrictions

Membership is open to anyone through membership in Amesbury Carriage Museum, Danvers Historical Society, Tewksbury Historical Society, Waltham Historical Society, or Greater Boston Sickle Cell Association. Membership is also open to one of the credit union's Select Employer Groups (not listed on the credit union's site).

Deposit Rates - November 22, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$50	-	Learn MoreShow Less
Money Market	0.25%	$2,500	$24,999	Learn MoreShow Less
Money Market	0.50%	$25,000	$49,999	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
	1.40%	$1,000	$49,999	Learn MoreShow Less
Special: 18 Mo FIRA	2.10%	$1,000	$49,999	Learn MoreShow Less
Special: 18 Mo FIRA	2.20%	$50,000	-	Learn MoreShow Less
Special: 35 Mo FIRA	2.30%	$1,000	$49,999	Learn MoreShow Less
Special: 35 Mo FIRA	2.36%	$50,000	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	0.30%	$1,000	$49,999	Learn MoreShow Less
6 Mo CD	0.50%	$1,000	$49,999	Learn MoreShow Less
	1.40%	$1,000	$49,999	Learn MoreShow Less
	2.10%	$500	$49,999	Learn MoreShow Less
Special: 18 Mo CD	2.10%	$1,000	$49,999	Learn MoreShow Less
Special: 18 Mo CD	2.20%	$50,000	-	Learn MoreShow Less
	1.80%	$1,000	$49,999	Learn MoreShow Less
Special: 35 Mo CD	2.30%	$1,000	$49,999	Learn MoreShow Less
Special: 35 Mo CD	2.36%	$50,000	-	Learn MoreShow Less
	2.05%	$1,000	$49,999	Learn MoreShow Less
	2.20%	$1,000	$49,999	Learn MoreShow Less
	2.36%	$1,000	$49,999	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.25%	$1	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.10%	$1	-	Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for RTN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	4.990%	4.990%	0.00	$0	$1,341	Learn More
NMLS ID: 2890 License#: 13256	3.528%	3.500%	0.38	$868	$1,123	Learn More
NMLS ID: 3030	4.875%	4.875%	0.00	$0	$1,324	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Third Federal Savings and Loans	3.740 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
People's United Bank, N.A.	5.000 %	$0	Learn More More Info
Rates and terms are subject to change without notice. Applications are subject to credit approval. The Annual Percentage Rate (“APR”) is a variable rate and is established based on an Index PLUS or MINUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal ("Prime Rate") on the last business day before the start of each month’s billing cycle. The minimum APR is 3.50%. The maximum APR is 18.00%. The rates shown reflect a 1-to 2 unit owner occupied primary residence, including condominiums. Receive a .25% percentage point rate discount if you choose to make your payment using auto debit from a People’s United checking account. Other terms and conditions may apply. There is a $75 annual fee, which is waived for qualified People’s United Bank checking accounts. There is a prepayment penalty fee of $500 if you close your account within two (2) years after the date of your Note. If the Note is secured by property located in the State of New York, borrower(s) must also pay People’s United Bank back the mortgage tax paid by the Bank at the time of the origination of the Note . Home Equity Lines of Credit are available only for 1 - 4 unit owner occupied primary residences, 1 unit second homes and condominiums in Connecticut, Massachusetts, Maine, Vermont, New Hampshire and select counties in the state of New York and are not available on cooperatives or properties listed for sale. The Home Equity Line of Credit has a minimum line amount of $25,000 and a maximum line amount of $750,000. Property insurance is required. Flood insurance may be required. People’s United Bank, N.A. Member FDIC Equal Housing Lender NMLS#464603 No appliction fee, no origination fee and no closing costs Pay interest only during the 9.5 year draw period Over 175 years of exceeding customer expectations Fast and easy online application - apply today

See More Home Equity Rates →

Note to RTN
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Rtn branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut

Rtn Locations

Financial Details

Rtn Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rtn. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Rtn	U.S. Average
1.86%	5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Rtn had $1,652,947 in non-current loans and $315,000 in owned assets. To cover these potential losses it had $103,774,093 in net worth and $2,145,993 in loans loss reserves. That gives it a Texas Ratio of 1.86%.

Net Worth

Rtn	U.S. Average
11.45%	13.65%

Rtn FCU has a net worth of 11.45% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Rtn

Branches and Savings

What is Rtn?

A federal credit union, registered with the NCUA under certificate #24311.
Learn more about credit unions here.

RTN

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - November 22, 2019

Loan Rates - November 22, 2019

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Branches

Rtn Locations

Financial Details

Rtn Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Rtn

Branches and Savings

What is Rtn?

Is Rtn FDIC insured?

Who can join Rtn?

What are Rtn's share account and share certificate rates?

How big is Rtn?

Who owns Rtn?

Where are Rtn branches located?

Are Rtn ATMs Open 24/7?

Do Rtn ATMs accept cash deposits?

Can Rtn customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Rtn have a mobile app?

Does Rtn have mobile deposit?

Does Rtn have quick pay?

How can Rtn transfer money to other banks or credit unions?

Does Rtn report to credit bureaus?

Does Rtn use Chexsystems?

Does Rtn use Equifax?

What is Rtn's toll free phone number?

What is Rtn's ACH Routing Number?

What is Rtn's SWIFT code?

Where can I find Rtn's wire transfer form?

What is the Rtn address for deposits?

What Products Does Rtn Offer

Does Rtn offer mortgages?

Does Rtn offer home equity lines of credit and home equity loans?

Does Rtn offer auto and RV loans?

Does Rtn offer student loans or personal loans?

Customer Reviews for Rtn