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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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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.

 

Vehicle Shopping? Research vehicles and search local inventory.

 

 

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
Find it. Drive it. Love it. Buy it.

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.

Vehicle Loans
(Model Year 2012 or newer)

 

APR

Monthly Payment*

36 Months

1.98%

$28.63

48 Months

2.50%

$21.91

60 Months

2.50%

$17.75

72 Months ($10,000 Minimum)

3.99%

$15.64

Vehicle Loans
(Model Year 2011 or older)

 

APR

Monthly Payment*

24 Months

1.98%

$42.53

36 Months

1.98%

$28.63

48 Months

2.98%

$22.13

60 Months

2.98%

$17.96

72 Months

4.49%

$15.87

Other Secured Collateral
(Includes: Boats, New and Used RVs, Motor Homes, Campers,
Hauling and Travel Trailers, Motorcycles, ATVs, Dirt Bikes, Farm Machinery, Garden Tractors, Jet Skis, and Snowmobiles)

 

APR

Monthly Payment*

36 Months

1.98%

$28.63

48 Months

2.98%

$22.13

60 Months**

3.99%

$18.41

72 Months ($7,000 Minimum)

4.29%

$15.78

84 Months ($20,000 Minimum)

4.49%

$13.90

Other Types of Loans

 

APR

Monthly Payment*

Personal Line of Credit

7.75%

3% of balance

Unsecured 24 Months

7.99%

$45.22

Unsecured 36 Months

8.49%

$31.56

PrimeLine up to 80% of equity***

3.25%

n/a

PrimeLine over 80% of equity***

5.25%

n/a

RCU Platinum Rewards Visa****

8.00%

3% of balance or $25

Overdraft Protection (Kwik Cash)

18.00%

n/a

APR = Annual Percentage Rate
Rates current as of 2016-02-14
Last changed on 2016-01-04

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.

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

** Boats, RVs, travel trailers, and motor homes can amortize up to 180 months with a five-year balloon at a 0.5% higher rate than the 60-month term. Balloon loans DO NOT qualify for GAP coverage.

*** 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.

**** Annual Percentage Rate is variable and may be adjusted quarterly based on Prime rate. Cash advance fee is 3% of transaction amount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%. No annual fee. The monthly payment is whichever is greater of 3% or $25.

 

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