Loan Rates

Effective Date: 04/25/2008
LoansAPR*Term
Newer Auto (2005 & newer) As low as 5.50%** Up to 48 months
Newer Auto (2005 & newer) As low as 5.50%** Up to 60 months
Newer Auto (2005 & newer) As low as 5.50%** Up to 72 months
Newer Auto (2005 & newer) As low as 5.50%** Up to 84 months
Used Auto (2004 & older) As low as 5.50%** Up to 48 months
Used Auto (2004 & older) As low as 5.50%** Up to 60 months
Used Auto (2004 & older) As low as 5.50%** Up to 72 months
Used Auto (2004 & older) As low as 5.50%** Up to 84 months
Other Consumer Secured (RV, Boats, etc.) As low as 7.00%** Up to 84 months
Other Consumer Secured (RV, Boats, etc.) As low as 7.25%** Up to 144 months
Personal Line of Credit As low as 12.00%** Revolving
Personal Loans As low as 13.50%** Up to 60 months
Savings/Deposit Secured Loans 3.00% Over Rate Up to 84 months
Visa Platinum Card As low as 8.00% Revolving
Visa Classic Card As low as 10.00% Revolving

* APR = Annual Percentage Rate

** Rate includes a maximum discount of 0.50% for having two of the following:

  • Payment made by automatic transfer
  • Maintain RFCU checking account with direct deposit
  • Premier status membership or having a membership at least 5 years
  • For autos with at least 28 highway miles per gallon per fueleconomy.gov guide

Online Calculator

Except for savings certificate secured, share secured, and Visa classic card loans, there will be a $25 loan processing fee. The actual APR you will pay is based on your credit history and the term of the loan. Loan terms may vary depending on amount borrowed and age of collateral. Loan rates and terms are subject to change without notice.

For additional information, please call the phone branch at 858-7328 or 1-800-856-7328.