Loan Rates

Loan Rates | Savings Rates

All Loan rates are effective 01/02/19 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.

We're driving into 2021 with Auto Loan rates at 2.21%! In addition Home Equity loans are 2.21% for the first year of the term!

Auto Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
24 Months1.991.992.253.99
36 Months2.252.252.504.50
48 Months2.352.352.654.75
60 Months2.752.753.504.99
72 Months3.253.253.995.50
84 Months3.993.994.996.50

Home Equity Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
36 Months3.253.253.504.50
60 Months3.503.503.754.75
84 Months3.653.653.994.99
120 Months3.803.804.255.25
180 Months3.993.994.505.50
240 Months4.254.255.256.50

Signature Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
24 Months8.758.758.999.50
36 Months8.998.999.259.99
48 Months9.259.259.5010.25
60 Months9.509.509.7510.50
72 Months9.759.7510.2510.75

LoansRateAPR*Term
Home Equity Line of Credit Loans (variable 0% over Wall St Prime)3.253.25N/A
Share Secured Loans3.0003.000144
Certificate of Deposit Loans 3% over CD APR 3.0003.000N/A
Stock Secured Loans (80% of current market value)7.0007.000N/A
Motorcycle Loans6.0006.00060
Personal Line of Credit Loans (variable 4% over Wall St Prime) 7.257.25N/A
Overdraft Protection Loans 13.0013.00N/A
VISA Classic (Credit Limits $300-$4999) 12.9912.99N/A
VISA Platinum (Credit Limits $5000 and Up) 10.9910.99N/A

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