Loan Rates

Loan Rates | Savings Rates

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 Months3.303.353.454.25
36 Months3.503.553.654.80
48 Months3.753.804.005.60
60 Months4.004.054.356.00
72 Months4.254.304.706.75
84 Months4.504.555.057.75

Home Equity Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
36 Months3.904.004.255.25
60 Months4.204.304.505.50
84 Months4.354.454.755.75
120 Months4.504.605.006.00
180 Months4.704.805.256.25
240 Months5.

Signature Loans

Credit Rating+A ; >APR*A ; >APR*B; >APR*C; >APR* 
24 Months9.009.109.309.99
36 Months9.259.359.5510.55
48 Months9.509.609.9011.00
60 Months9.759.8510.1511.50
72 Months9.9910.1010.6011.75

Home Equity Line of Credit Loans (variable 0% over Wall St Prime)3.503.50N/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) 7.507.50N/A
Overdraft Protection Loans 13.2513.25N/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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