All Loan rates are effective 10/01/22 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.
0% interest for the first month on Auto Loans!
Auto Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 3.80 | 3.85 | 3.95 | 4.75 | |
| 36 Months | 4.00 | 4.05 | 4.15 | 5.30 | |
| 48 Months | 4.25 | 4.30 | 4.50 | 7.10 | |
| 60 Months | 4.50 | 4.55 | 4.85 | 7.50 | |
| 72 Months | 5.00 | 5.05 | 5.55 | 8.25 | |
| 84 Months | 5.50 | 5.60 | 6.10 | 9.25 |
Home Equity Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 36 Months | 4.90 | 5.00 | 5.25 | 6.25 | |
| 60 Months | 5.20 | 5.30 | 5.50 | 6.50 | |
| 84 Months | 5.35 | 5.45 | 5.75 | 6.75 | |
| 120 Months | 5.50 | 5.60 | 6.00 | 7.00 | |
| 180 Months | 5.70 | 5.80 | 6.25 | 7.25 | |
| 240 Months | 6.00 | 6.10 | 7.00 | 8.25 |
Signature Loans
| Credit Rating | +A ; >APR* | A ; >APR* | B; >APR* | C; >APR* | |
|---|---|---|---|---|---|
| 24 Months | 9.10 | 9.20 | 9.40 | 10.50 | |
| 36 Months | 9.35 | 9.45 | 9.65 | 11.00 | |
| 48 Months | 9.60 | 9.70 | 10.00 | 11.50 | |
| 60 Months | 9.99 | 10.10 | 10.60 | 12.00 | |
| 72 Months | 10.50 | 10.75 | 11.25 | 13.00 |
| Loans | Rate | APR* | Term |
|---|---|---|---|
| Home Equity Line of Credit Loans (variable 0% over Wall St Prime) | 6.25 | 6.25 | N/A |
| Share Secured Loans | 4.00 | 4.00 | 144 |
| Certificate of Deposit Loans 3% over CD APR | 4.00 | 4.00 | N/A |
| Stock Secured Loans (80% of current market value) | 7.00 | 7.00 | N/A |
| Motorcycle Loans | 8.00 | 8.00 | 60 |
| Personal Line of Credit Loans (variable 4% over Wall St Prime) | 10.25 | 10.25 | N/A |
| Overdraft Protection Loans | 16.00 | 16.00 | 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 |