Home Loan Rates

Looking for home loan rates? We have all the information you need whether you're buying, building, or refinancing.
View home loan rates
and apply.

1/4% DISCOUNT Rate

If you have an active RCU Checking Account* and regularly use five other qualifying services, you can receive a 1/4% discount on any new consumer loan except Kwik Cash and Visa.

Qualifying RCU services include:

ePay
Certificate
Check Card
Direct Deposit
Money Market Account
IRAs
Personal Loan
Home Loan
Safe Deposit Box
Visa
RCU Investment and Insurance Services
Home Equity Loan
Health Savings Accounts

* RCU defines an active checking account as having 10 or more transactions per month.

We offer a variety of loans at great rates! Our not-for-profit credit union status enables us to operate at a lower cost than many for-profit institutions. These savings are returned to you through lower service charges, competitive loan rates, and higher savings rates.

Apply for a loan online.*

Consumer Loan Rates

Use the convenience of Automatic Payment to simplify your life,
and receive a 0.15% discount on your new consumer loan.

For example:

60-Month Term 3.64% APR
With Automatic Payment* 3.49% APR
With ¼% Discount 3.24% APR
Monthly payment on $1,000 loan for a 60-month term at 3.24% APR is $18.08.

Vehicle Loans
(Model Years: 2010 and newer)

	APR	1/4% Discount	Monthly Payment**
36 Months	3.64%	3.39%	$29.36
60 Months	3.64%	3.39%	$18.25
72 Months ($15,000 Minimum)	4.74%	4.49%	$15.98

Vehicle Loans
(Model Years: 2006 - 2009)

	APR	1/4% Discount	Monthly Payment**
36 Months	3.64%	3.39%	$29.36
48 Months	4.24%	3.99%	$22.69
60 Months	4.74%	4.49%	$18.75
72 Months ($15,000 Minimum)	6.24%	5.99%	$16.69

Vehicle Loans
(Model Years: 2005 or older)

	APR	1/4% Discount	Monthly Payment**
24 Months	3.64%	3.39%	$43.26
36 Months	4.24%	3.99%	$29.63
48 Months	5.24%	4.99%	$23.14
60 Months	6.24%	5.99%	$19.44

Boat, RV, Travel Trailer, & Motor Home Loans

	APR	1/4% Discount	Monthly Payment**
36 Months	3.64%	3.39%	$29.36
48 Months	4.24%	3.99%	$22.69
60 Months***	4.74%	4.49%	$18.75
72 Months ($7,000 Minimum)	6.24%	5.99%	$16.69

Motorcycle, ATV, Snowmobile, & Computer Loans

	APR	1/4% Discount	Monthly Payment**
24 Months	3.64%	3.39%	$43.26
36 Months	4.24%	3.99%	$29.63
48 Months	5.24%	4.99%	$23.14
60 Months	6.24%	5.99%	$19.44

Other Types of Loans

	APR	1/4% Discount	Monthly Payment**
Personal Line of Credit	7.50%	n/a	3% of balance
Unsecured 24 Months	8.99%	8.74%	$45.68
Unsecured 36 Months	9.99%	9.74%	$32.26
PrimeLine up to 80% of equity****	4.00%	n/a	n/a
PrimeLine over 80% of equity****	5.75%	n/a	n/a
RCU Platinum Rewards Visa	7.75%	n/a	3% of balance or $25*****
Overdraft Protection (Kwik Cash)	18.00%	n/a	n/a

APR = Annual Percentage Rate
Rates current as of 2012-05-20
Last changed on 2012-05-14

The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Down payment requirements may apply. Any minimum, fixed, transaction, activity or similar charge may be imposed. The credit union may also include a range of charges that may apply.

*Discount for Automatic Payment is valid on most new secured and unsecured consumer loans. Offer excludes Kwik Cash, credit card, business, personal line of credit, home equity and real estate loans, as well as consumer loans secured by Savings/Certificate. Automatic Payment must be established when loan is closed and come from an RCU Checking or Savings account. eBranch and CompuTeller payments do not qualify for this discount. If Automatic Payment is not applied toward loan for two consecutive months, the interest rate will be increased to add 0.15% discount back to the loan rate for remaining term of loan.

** Monthly payment is based on payment per $1,000 for APR rate and term.

*** Boats, RVs, travel trailers, & motor homes can amortize up to 180 months with a five-year balloon at a 0.5% higher rate than the 60-month term.

**** Annual Percentage Rate may vary, and the maximum interest rate of 18% may be imposed in a variable-rate plan. The credit union may also include a range of charges between $0 to $500 that may apply.

***** Whichever is greater of 3% or $25.