Loan Rates
All Loan rates are effective 7/1/23 and are subject to change without notice. Loan rates are competitive and based on each member's credit score and loan term.
*APR = Annual Percentage Rate
Loan cancellation fee of $35 will be taken if after pre-approval for loan member does not complete follow-up information requests or if member cancels the loan application. All loan approvals are valid for 30 days after which time the RFCU Loan Department will consider the application stale-dated.
Auto Loans
Credit Rating | A+; >APR* | A; >APR* | B; >APR* | C; >APR* |
---|---|---|---|---|
24 Months | 5.75 | 5.80 | 5.95 | 6.75 |
36 Months | 5.95 | 6.00 | 6.15 | 7.20 |
48 Months | 6.15 | 6.20 | 6.40 | 8.40 |
60 Months | 6.25 | 6.30 | 6.60 | 8.85 |
72 Months | 6.50 | 6.60 | 7.10 | 10.00 |
84 Months | 7.00 | 7.10 | 7.60 | 10.75 |
Home Equity Loans
Credit Rating | A+; >APR* | A; >APR* | B; >APR* | C; >APR* |
---|---|---|---|---|
36 Months | 6.00 | 6.15 | 6.40 | 7.40 |
60 Months | 6.50 | 6.65 | 6.90 | 7.90 |
84 Months | 6.75 | 6.90 | 7.20 | 8.20 |
120 Months | 7.00 | 7.15 | 7.55 | 8.55 |
180 Months | 7.25 | 7.40 | 7.85 | 9.15 |
240 Months | 8.00 | 8.20 | 9.10 | 10.30 |
Signature Loans
Credit Rating | A+; >APR* | A; >APR* | B; >APR* | C; >APR* |
---|---|---|---|---|
24 Months | 10.10 | 10.20 | 10.40 | 11.75 |
36 Months | 10.35 | 10.45 | 10.65 | 12.25 |
48 Months | 10.60 | 10.70 | 11.00 | 12.75 |
60 Months | 11.00 | 11.10 | 11.60 | 13.25 |
72 Months | 11.50 | 11.60 | 12.10 | 14.10 |
Loans | Rate | APR* | Term |
---|---|---|---|
Home Equity Line of Credit Loans (variable 0% over Wall St Prime) | 8.50 | 8.50 | N/A |
Share Secured Loans | 4.00 | 4.00 | 144 |
Certificate of Deposit Loans 3% over CD APR | 4.30 | 4.30 | N/A |
Stock Secured Loans (80% of current market value) | 7.00 | 7.00 | N/A |
Motorcycle Loans | 8.25 | 8.25 | 60 |
Personal Line of Credit Loans (variable 4% over Wall St Prime) | 12.50 | 12.50 | N/A |
Overdraft Protection Loans | 17.75 | 17.75 | N/A |
Visa Classic (Credit Limits $300-$4,999) | 12.99 | 12.99 | N/A |
Visa Platinum (Credit Limits $5,000 and Up) | 10.99 | 10.99 | N/A |