NEW!!! You can now call our Audio Response Teller at 844-315-7616 to get your balance, and other account information. Just use the last 4 digits of your Social Security number as the initial PIN number. Available 24 hours a day!!
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Loan Rates Dividend Rates

Effective as of: October 1, 2022
Loan Rates
Loan TypeRate**Amount FinancedTerm*
New Vehicles2.49% - 4.44%Up to 100%Up to 84 months
Used Vehicles3.49% - 4.99%Up to 100%Up to 78 months
Boats6.65%Up to 100%Up to 72 months
Tractors and Accessories5.50%Up to 100%Up to 84 months
Equipment6.65%Up to 100%Up to 84 months
Motorcycles, ATV6.65%Up to 100%Up to 72 months
Trailers (stock, horse, utility)6.50%Up to 100%Up to 72 months, $15,000 max
Travel Trailers5.50%Up to 100%Up to 120 months, $50,000 max
Secured Loans
Loan TypeRate**
Share Secured up to 48 months2% over CU CD rate
Certificate Secured up to 36 months2% over Member CD rate
Additional Loans
Loan TypeRate**Term*
Unsecured Loans10.29% - 18%Up to 72 months
Line of Credit-Mastercard10.90% - 12.40%Open End
Mortgage LoansGet a Personalized Quote
Land/Investment Property5.50%Up to 180 months
Home ImprovementsN/AN/A
Home Equity1st Lien5.50%Up to 180 months
2nd Lien6.50%Up to 180 months
* Terms subject to standard RFCU Loan guidelines.
**These rates may be increased not to exceed 18% APR determined by RFCU Credit Level Loan guidelines, rates are expressed in APR.