DOWNLOAD the RCU MOBILE APP 

 CLICK HERE

 

 

 

In observance of Thanksgiving, our office will be closed Thursday, November 26th & Friday, November 27th.

 

 

 

 

 

 

 

 
Rates as of October 21, 2020      
Auto Loan Rates      
2021 - 2019**                                         APR* AS LOW AS      
Up to 36 Months                                            2.24%           
Up to 48 Months                                            2.49%            
Up to 60 Months                                            2.74%         
Up to 72 Months                                            3.24%             
Up to 84 Months***                                        3.99%         
2018 - 2016**                                         APR* AS LOW AS      
Up to 36 Months                                            2.49%             
Up to 48 Months                                            2.74%              
Up to 60 Months                                            2.99%             
Up to 72 Months                                            3.49%             
2015 - 2011**                                         APR* AS LOW AS      
Up to 36 Months                                            2.99%               
Up to 48 Months                                            3.24%              
Up to 60 Months                                            3.49%               
2010 & Older**                                      APR* AS LOW AS      
Up to 36 Months                                            3.74%               
Up to 48 Months                                            3.99%               
*APR is Annual Percentage Rate

**APR as low as - Actual rate may be higher depending on factors such as credit history, repayment term selected, amount financed, age and mileage of vehicle. Example of payment, pay $17.86 per month, per $1,000 borrowed for 60 months at 2.74% APR based on a 2019 or newer vehicle and credit score over 730. Rates subject to change at any time.

***To finance for 84 months, vehicle must be within three years new with a minimum value and loan amount of $40,000. Maximum LTV is 100% of NADA Retail Value. 

     
Titled Collateral Recreational**      
Motorcycles***, Boats, RV's, Travel Trailers           APR* AS LOW AS      
Up to 48 Months                                                                  3.74%              
Up to 60 Months                                                                  3.99%            
Up to 72 Months                                                                  4.49%              
Up to 84 Months                                                                  5.24%            
Up to 120 Months^                                                              5.74%            
Up to 180 Months^                                                              5.99%              

*APR is Annual Percentage Rate 

**APR as low as - Actual rate may be higher depending on factors such as credit history, repayment term selected, amount financed, age of collateral. Example of payment, pay $18.42 per month, per $1,000 borrowed for 60 months at 3.99% APR based on a 2019 or newer titled collateral and credit score over 730. Rates subject to change at any time.

*** Maximum term for Motorcycles is 84 Months. ^ Minimum loan amount $30,000

 

 

 
Unsecured Loans       
Signature Loans & Signature Line of Credit (LOC)**     APR* AS LOW AS      
Up to 36 Months                                                                           11.00%      
**APR as low as - Actual rate may be higher. Rate based on credit history.       
       
Home Equity Loans / 2nd Mortgages^                   NMLS# 1653541      
       
Home Equity Loan**=              
Fixed Rate* (Line of Credit - 2 year draw period)      APR*AS LOW AS      
Up to 5 Years                                                                         3.49%    *  
Up to 10 Years                                                                       3.99%      
Up to 15 Years                                                                       4.24%      
UP to 20 Years                                                                       4.49%      
       
Hone Equity LOC**=            
Variable Rate*+ (Line of Credit - 5 year draw period) APR*AS LOW AS      
Up to 20 Years                                                                        3.75%      

^Home equity loans are available on primary residences and second homes located in MN & WI only.

**Payment example: $35,000.00 loan with a 5 year term up to 90% of County tax assessed property value at 3.49% APR, monthly payments would be $636.57. Closing costs range from $0.00 to $1,500.00; closing costs vary by loan amount and any promotions that may be currently offered.

*APR - Annual Percentage Rate - Rate as low as. Actual rate based on applicant's payment and credit history, property valuation used and repayment term selected.

=Appraisal fee may apply if needed to accomodate valuation and loan amount.

+Minimum Annual Percentage Rate (APR) Floor of 3.50%. Maximum APR is 18.00%. APR calculation is subject to change semi-annually, January 1 and July 1 and is based on the Prime Rate as published in the Wall Street Journal.

     
Certificate of Deposit Secured  +2.50%                                Minimum Rate 3.00%