Loan Rates

All Loan rates are effective 1/1/2026 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.

New Auto Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
24 Months 4.70 4.75 4.90 5.70
36 Months 4.80 4.85 5.00 6.05
48 Months 4.90 4.95 5.15 7.15
63 Months 4.95 5.00 5.30 7.55
75 Months 5.20 5.30 5.80 8.70
84 Months 5.75 5.85 6.35 9.50

Used Auto Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
24 Months 4.95 5.05 5.20 6.00
36 Months 5.05 5.15 5.30 6.35
48 Months 5.15 5.25 5.45 7.45
63 Months 5.20 5.25 5.60 7.85
75 Months 5.50 5.60 6.10 9.00
84 Months 6.00 6.15 6.65 9.80

Home Equity Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
36 Months 5.00 5.15 5.40 6.40
60 Months 5.70 5.85 6.10 7.10
84 Months 5.90 6.05 6.35 7.35
120 Months 6.20 6.35 6.75 7.75
180 Months 6.80 6.95 7.40 8.70
240 Months 7.10 7.30 8.20 9.40

Signature Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
24 Months 9.10 9.20 9.40 10.90
36 Months 9.35 9.45 9.65 11.15
48 Months 9.60 9.70 10.00 11.75
60 Months 10.00 10.10 10.60 12.35
72 Months 10.50 10.60 11.10 13.10
Loans Rate APR* Term
Home Equity Line of Credit Loans (variable 0% over Wall St Prime) 6.75 6.75 N/A
Share Secured Loans 4.00 4.00 144
Certificate of Deposit Loans 3% over CD APR 4.30 4.30 N/A
Motorcycle Loans 7.90 7.90 60
Personal Line of Credit Loans (variable 4% over Wall St Prime) 10.75 10.75 N/A
Overdraft Protection Loans 16.75 16.75 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