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Rates

Loan Rates Dividend Rates

Effective as of: December 1, 2021
Loan Rates
Automobiles
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 Property4.50%Up to 180 months
Home ImprovementsN/AN/A
Home Equity1st Lien3.99%Up to 180 months
2nd Lien4.99%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.