Business Rates Tables

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*Prime Lending Rate is 4.25% as of 6/15/17 as published in the Wall Street Journal.

Business Loans
& Lines of Credit

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*Prime Lending Rate is 4.25% as of 6/15/17 as published in the Wall Street Journal.

 *Prime Lending Rate is 4.25% as of 6/15/17 as published in the Wall Street Journal.

RCU Business Plus Commercial Real Estate

Loan Feature Variable Rate Loan Fixed Rate Loan
Loan Amount $150,000 to $30,000,000 $150,000 to $30,000,000
APR 6 month or 12 month Libor + 2.50% to Libor + 5.0% depending on property, underwriting and credit. Constant Maturity Treasury + 2.20% to CMT + 5.0% depending on property, underwriting and credit.
Term 10 year maximum with a maximum 25 year amortization. Libor rates are available for 6 month and 1-year changes. 10 year maximum with a maximum 25 year amortization. Fixed rates are based upon the 1-year, 3 years, 5 years and 10 years for the corresponding Constant Maturity Treasury index. Fixed rate loans are subject to a prepayment penalty.
Points and Fees 1% plus out of pocket fees such as appraisal, title, and environmental & recording fees. 1% plus out of pocket fees such as appraisal, title, environmental & recording fees.
Collateral First or Second Deed of Trust on commercial property, with a maximum of 75% loan to value. First or Second Deed of Trust on commercial property.

 

Business Loan Fees
Loans up to $50,000 $ 200
$50,001 to $100,000 $ 250
$100,001+ $ 350

 

Additional Out-of-Pocket Fees may apply for secured loans:
Credit Report: $ 75
Appraisal Fee: At Cost, quoted by approved appraiser
Title Insurance: At Cost
Escrow Fee: At Cost
UCC Filing/Search:
UCC Termination:
$ 26.00(estimate)
$ 10.00
Tax Service: $ 50.00
Recording Fees: $ 55.00 (estimate)
Environmental Report: $ 300.00 (estimate)
Phase 1 or 2 Report: At Cost (if required)
Demand/Reconveyance: $ 25.00

 

  • Minimum Debt Service Coverage: 1.25
  • Libor rate is the London Interbank Offered Rates as published in the "Money Rates" section of the Wall Street Journal. The Constant Maturity Treasury Index is published in the Federal Reserve Bulletin H-15.

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Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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