Loan Rates

Loan Rates | Savings Rates

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 Months3.803.853.954.75
36 Months4.004.054.155.30
48 Months4.254.304.507.10
60 Months4.504.554.857.50
72 Months5.005.055.558.25
84 Months5.505.606.109.25

Home Equity Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
36 Months4.905.005.256.25
60 Months5.205.305.506.50
84 Months5.355.455.756.75
120 Months5.505.606.007.00
180 Months5.705.806.257.25
240 Months6.006.107.008.25

Signature Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
24 Months9.109.209.4010.50
36 Months9.359.459.6511.00
48 Months9.609.7010.0011.50
60 Months9.9910.1010.6012.00
72 Months10.5010.7511.2513.00

LoansRateAPR*Term
Home Equity Line of Credit Loans (variable 0% over Wall St Prime)6.256.25N/A
Share Secured Loans4.004.00144
Certificate of Deposit Loans 3% over CD APR 4.004.00N/A
Stock Secured Loans (80% of current market value)7.007.00N/A
Motorcycle Loans8.008.0060
Personal Line of Credit Loans (variable 4% over Wall St Prime) 10.2510.25N/A
Overdraft Protection Loans 16.0016.00N/A
VISA Classic (Credit Limits $300-$4999) 12.9912.99N/A
VISA Platinum (Credit Limits $5000 and Up) 10.9910.99N/A