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| Home Loan Rates |
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| 1/4% DISCOUNT Rate |
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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 |
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Rates as low as 1.98%APR are available to qualified borrowers on
a new RCU loan that is secured by a vehicle. It may be a new purchase
or refinance of a vehicle loan from another financial institution.
No other discounts apply. Offer extended to May 31, 2013.
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Vehicle Loans
(Model Years: 2011 and newer)
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APR
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Monthly Payment**
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36 Months
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1.98%
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$28.64
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48 Months
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2.68%
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$21.99
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60 Months
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3.18%
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$18.05
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72 Months ($10,000 Minimum)
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3.68%
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$15.50
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84 Months ($10,000 Minimum)
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5.18%
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$14.23
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Vehicle Loans
(Model Years: 2007 - 2010)
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APR
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Monthly Payment**
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36 Months
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1.98%
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$28.63
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48 Months
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3.17%
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$22.21
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60 Months
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4.17%
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$18.49
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72 Months ($10,000 Minimum)
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5.43%
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$16.31
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Vehicle Loans
(Model Years: 2006 or older)
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APR
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Monthly Payment**
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24 Months
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1.98%
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$42.53
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36 Months
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3.92%
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$29.49
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48 Months
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4.42%
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$22.77
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60 Months
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4.92%
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$18.83
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RCU is making waves with special rates on new RCU loans secured by a boat, RV, camper, motorcycle, or other sport vehicle. Available to qualified borrowers on a new purchase or a loan refinanced from another financial institution. Choose the convenience of Automatic Payment to simplify your life and get a 0.15% discount on your new loan.
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For example:
48-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 48-month term at 3.24% APR is $22.24.
Apply Now Refer a Friend
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Boat, RV, Travel Trailer, & Motor Home Loans
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APR
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1/4%
Discount
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Monthly Payment**
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36 Months
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3.64%
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3.39%
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$29.36
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48 Months
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3.64%
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3.39%
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$22.42
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60 Months***
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4.39%
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4.14%
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$18.59
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72 Months ($7,000 Minimum)
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4.99%
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4.74%
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$16.10
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Motorcycle, ATV, Snowmobile, & Computer Loans
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APR
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1/4%
Discount
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Monthly Payment**
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24 Months
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3.64%
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3.39%
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$43.26
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36 Months
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3.64%
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3.39%
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$29.36
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48 Months
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4.39%
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4.14%
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$22.75
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60 Months
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4.89%
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4.64%
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$18.82
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Other Types of Loans
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APR
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1/4%
Discount
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Monthly Payment**
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Personal Line of Credit
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7.50%
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n/a
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3% of balance
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Unsecured 24 Months
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8.99%
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8.74%
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$45.68
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Unsecured 36 Months
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9.99%
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9.74%
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$32.26
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PrimeLine up to 80% of equity****
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4.00%
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n/a
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n/a
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PrimeLine over 80% of equity****
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5.75%
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n/a
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n/a
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RCU Platinum Rewards Visa
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7.75%
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n/a
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3% of balance or $25*****
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Overdraft Protection (Kwik Cash)
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18.00%
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n/a
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n/a
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APR = Annual Percentage Rate
Rates current as of 2013-05-22
Last changed on 2013-02-22
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.
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