All Loan rates are effective 07/01/22 and are subject to change without notice. Loan rates are competitive and based on each member's credit score and loan term.
*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.
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Auto Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 3.30 | 3.35 | 3.45 | 4.25 | |
| 36 Months | 3.50 | 3.55 | 3.65 | 4.80 | |
| 48 Months | 3.75 | 3.80 | 4.00 | 5.60 | |
| 60 Months | 4.00 | 4.05 | 4.35 | 6.00 | |
| 72 Months | 4.25 | 4.30 | 4.70 | 6.75 | |
| 84 Months | 4.50 | 4.55 | 5.05 | 7.75 |
Home Equity Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 36 Months | 3.90 | 4.00 | 4.25 | 5.25 | |
| 60 Months | 4.20 | 4.30 | 4.50 | 5.50 | |
| 84 Months | 4.35 | 4.45 | 4.75 | 5.75 | |
| 120 Months | 4.50 | 4.60 | 5.00 | 6.00 | |
| 180 Months | 4.70 | 4.80 | 5.25 | 6.25 | |
| 240 Months | 5.00 | 5.10 | 6.00 | 7.25 |
Signature Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 9.00 | 9.10 | 9.30 | 9.99 | |
| 36 Months | 9.25 | 9.35 | 9.55 | 10.55 | |
| 48 Months | 9.50 | 9.60 | 9.90 | 11.00 | |
| 60 Months | 9.75 | 9.85 | 10.15 | 11.50 | |
| 72 Months | 9.99 | 10.10 | 10.60 | 11.75 |
| Loans | Rate | APR* | Term |
|---|---|---|---|
| Home Equity Line of Credit Loans (variable 0% over Wall St Prime) | 3.50 | 3.50 | 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) | 7.50 | 7.50 | N/A |
| Overdraft Protection Loans | 13.25 | 13.25 | 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 |