All Loan rates are effective 04/01/18 and are subject to change without notice. Loan rates are competitive and based on each member's credit score and loan term. We do have an "E" credit group, call for rates. You can get 1/4 % off your stated Auto and Home Equity loan rate for maintaining an active checking account. An active checking account is at least six transactions per month. Ask your loan officer for details.
*APR = Annual Percentage Rate
Loan cancellation fee of $35 will be taken if after pre-approval for loan member does not compete follow-up information requests or if member cancels the loan application. All loan approvals are valid for 30 days after which time the RFCU Loan Department will consider the application stale-dated.
Auto Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 1.99 | 1.99 | 2.25 | 3.99 | |
| 36 Months | 2.25 | 2.25 | 2.5 | 4.50 | |
| 48 Months | 2.99 | 2.99 | 3.25 | 4.99 | |
| 60 Months | 3.25 | 3.25 | 3.99 | 5.50 | |
| 72 Months | 3.75 | 3.75 | 4.25 | 5.75 | |
| 84 Months | 4.25 | 4.25 | 5.50 | 6.99 |
Home Equity Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 36 Months | 3.25 | 3.25 | 3.50 | 5.75 | |
| 60 Months | 3.50 | 3.50 | 3.99 | 4.99 | |
| 84 Months | 3.99 | 3.99 | 4.25 | 5.25 | |
| 120 Months | 4.25 | 4.25 | 4.50 | 5.50 | |
| 180 Months | 4.50 | 4.50 | 4.99 | 5.99 | |
| 240 Months | 4.75 | 4.75 | 5.75 | 6.75 |
Signature Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 8.75 | 8.75 | 8.99 | 9.50 | |
| 36 Months | 8.99 | 8.99 | 9.25 | 9.99 | |
| 48 Months | 9.25 | 9.25 | 9.50 | 10.25 | |
| 60 Months | 9.50 | 9.50 | 9.75 | 10.50 | |
| 72 Months | 9.75 | 9.75 | 10.25 | 10.75 |
| Loans | Rate | APR* | Term |
|---|---|---|---|
| Home Equity Line of Credit Loans (variable 0% over Wall St Prime) | 5.25 | 5.25 | N/A |
| Share Secured Loans | 3.000 | 3.000 | 144 |
| Certificate of Deposit Loans 3% over CD APR | 3.000 | 3.000 | N/A |
| Stock Secured Loans (80% of current market value) | 7.000 | 7.000 | N/A |
| Motorcycle Loans | 6.000 | 6.000 | 60 |
| Personal Line of Credit Loans (variable 4% over Wall St Prime) | 9.25 | 9.25 | N/A |
| Overdraft Protection Loans | 14.75 | 14.75 | N/A |
| VISA Classic (Credit Limits $300-$4999) | 12.99 | 12.99 | N/A |
| VISA Platinum (Credit Limits $5000 and Up) | 10.99 | 10.99 | N/A |