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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.
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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 5.24% APR
With Automatic Payment* 5.09% APR
With ¼% Discount 4.84% APR
Monthly payment on $1,000 loan for a
60-month term at 4.84% APR is $18.31.
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Vehicle Loans
(Model Years: 2008 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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4.64%
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4.39%
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$29.81
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60 Months
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5.24%
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4.99%
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$18.98
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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: 2004 - 2007)
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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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4.64%
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4.39%
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$29.81
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48 Months
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6.74%
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6.49%
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$23.83
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60 Months
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7.24%
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6.99%
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$19.91
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72 Months ($15,000 Minimum)
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8.14%
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7.89%
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$17.60
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Vehicle Loans
(Model Years: 2003 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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6.99%
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6.74%
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$44.77
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36 Months
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7.99%
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7.74%
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$31.33
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48 Months
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8.99%
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8.74%
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$24.88
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Motorcycle, ATV, Snowmobile, Boat, RV,
Travel Trailer, Mobile Home, & 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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24 Months
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4.64%
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4.39%
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$43.71
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36 Months
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6.24%
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5.99%
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$30.53
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48 Months
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6.74%
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6.49%
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$23.83
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60 Months
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7.24%
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6.99%
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$19.91
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72 Months ($7,000 Minimum)
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8.14%
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7.89%
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$17.60
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APR = Annual Percentage Rate
Rates current as of 03/12/2010
Last changed on 02/18/2010
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, indirect, home equity and real estate loans, as well as consumer loans secured by Savings/Certificate of Deposit. 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.
*** 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 $10.
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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!
Learn more about our Dealer Loan Program.
View our flexible terms and great rates.
Use our loan calculator.
Check new and used vehicle prices with
National Automobile Dealers Assocation (NADA).
Learn about Guaranteed Asset Protection (GAP).
Learn about Mechanical Breakdown Protection (MBP).
Apply Today
View the Member loan list.
*You must be a Member of RCU to complete this application. Join RCU.
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