|Vehicle Loans (Model Year 2014 or newer)|
|36-Month||2.49% APR||$28.86 Monthly Payment|
|48-Month||2.99% APR||$22.13 Monthly Payment|
|60-Month||3.25% APR||$18.08 Monthly Payment|
|72-Month ($10,000 Minimum)||4.25% APR||$15.76 Monthly Payment|
|Vehicle Loans (Model Year 2013 or older)|
|24-Month||2.49% APR||$42.76 Monthly Payment|
|36-Month||2.99% APR||$29.08 Monthly Payment|
|48-Month||3.49% APR||$22.35 Monthly Payment|
|60-Month||3.79% APR||$18.32 Monthly Payment|
|72-Month||4.79% APR||$16.01 Monthly Payment|
|Other Secured Collateral|
|36-Month||2.29% APR||$28.77 Monthly Payment|
|48-Month||3.49% APR||$22.26 Monthly Payment|
|60-Month**||3.99% APR||$18.41 Monthly Payment|
|72-Month ($10,000 Minimum)||4.49% APR||$15.87 Monthly Payment|
|84-Month ($20,000 Minimum)||4.79% APR||$13.90 Monthly Payment|
|Other Types of Loans|
|Home Equity over 90% of equity***||6.50% APR||n/a Monthly Payment|
|Home Equity up to 90% of equity***||4.00% APR||n/a Monthly Payment|
|Overdraft Protection (Kwik Cash)||18.00% APR||n/a Monthly Payment|
|Personal Line of Credit||8.75% APR||3% of balance Monthly Payment|
|RCU Platinum Rewards Visa****||9.00% APR||2% of balance or $25 Monthly Payment|
|Unsecured 24-Month||7.50% APR||$44.99 Monthly Payment|
|Unsecured 36-Month||8.50% APR||$31.56 Monthly Payment|
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
** 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.
APR = Annual Percentage Rate
Rates current as of 2018-1-2
Last changed on 2018-1-2
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.
****APR is Annual Percentage Rate. APR 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. Funds federally insured by NCUA.