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| ¼% Discount Rate |
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| USEFUL TOOLS |
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Want to buy a new or used car, truck, boat, or snowmobile? We offer several payment terms and 100% financing at most local dealers. You can also get preapproved so your financing is ready when you find the perfect vehicle.
Apply for a vehicle loan online.*
Apply for a recreational vehicle loan online.*
| Vehicle Loan Rates |
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Use the convenience of Automatic Payment to simplify your life,
and receive a 0.15% discount on your new consumer loan.
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For example:
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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.
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Vehicle Loans
(Model Years: 2010 and newer)
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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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60 Months
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3.64%
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3.39%
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$18.25
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72 Months ($15,000 Minimum)
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4.74%
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4.49%
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$15.98
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Vehicle Loans
(Model Years: 2006 - 2009)
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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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4.24%
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3.99%
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$22.69
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60 Months
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4.74%
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4.49%
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$18.75
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72 Months ($15,000 Minimum)
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6.24%
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5.99%
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$16.69
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Vehicle Loans
(Model Years: 2005 or older)
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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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4.24%
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3.99%
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$29.63
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48 Months
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5.24%
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4.99%
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$23.14
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60 Months
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6.24%
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5.99%
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$19.44
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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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4.24%
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3.99%
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$22.69
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60 Months
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4.74%
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4.49%
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$18.75
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72 Months ($7,000 Minimum)
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6.24%
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5.99%
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$16.69
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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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4.24%
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3.99%
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$29.63
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48 Months
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5.24%
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4.99%
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$23.14
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60 Months
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6.24%
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5.99%
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$19.44
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APR = Annual Percentage Rate
Rates current as of 2012-05-17.
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.
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Rebate Calculator
You can save thousands by applying your manufacturer rebate to an RCU Vehicle Loan instead of taking the manufacturer's lower interest rate. Just complete the open boxes and the calculator will fill in the rest!
Apply Today
Apply for a vehicle loan online.*
Apply for a recreational vehicle loan online.*
*You must be a Member of RCU to complete this application. Join RCU.
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