RCU

Mobile App

CLICK HERE 

 

 

 

Our office will be closed:

             Monday,                September 6, 2021,     in observance of    Labor Day.

 

 

 

Privacy Policy

Newsletter

Holiday Schedule

 

 

 

 

 

.
 
Rates as of April 21, 2021      
                                              Auto                                Motorcycle      
2021 - 2020**                       APR* as low as                             APR* as low as      
Up to 36 Months                        1.99%                                           2.99%           
Up to 48 Months                        2.24%                                           3.24%            
Up to 60 Months                        2.74%                                           3.74%         
Up to 72 Months                        2.90%                                           3.90%             
Up to 84 Months***                    3.24%                                           4.24%         
       
2019 - 2018**                       APR* as low as                              APR* as low as      
Up to 36 Months                        2.24%                                           3.24%             
Up to 48 Months                        2.49%                                           3.49%              
Up to 60 Months                        2.99%                                           3.99%             
Up to 72 Months                        3.15%                                           4.15%             
       
2017 - 2016**                        APR* as low as                               APR as low as      
Up to 36 Months                        2.49%                                           3.49%               
Up to 48 Months                        2.74%                                           3.74%              
Up to 60 Months                        3.24%                                           4.24%               
       
2015 - 2014**                          APR* as low as                             APR* as low as       
Up to 36 Months                        2.74%                                           3.74%      
Up to 48 Months                        2.99%                                           3.99%      
Up to 60 Months                        3.24%                                           4.24%      
       
2013 & Older**                      APR* as low as                            APR* as low as      
Up to 36 Months                        2.99%                                           3.99%               
Up to 48 Months                        3.24%                                           4.24%               
*APR is Annual Percentage Rate

**APR as low as - Actual rate may be higher depending on credit history, repayment term, and age and vehicle mileage. Example of payment, pay $17.75 per month, per $1,000 borrowed for 60 months at 2.49% APR based on a 2020 or newer vehicle.

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 $35,000. Maximum LTV is 100% of NADA Retail Value. 

     
Recreational**                                                      
                            Boats, RV's & Travel Trailers       Waverunners, ATV, UTV, Snowmobile       
                                         APR* as low as                                       APR* as low as      
Up to 48 Months                     3.74%                                                  3.90%              
Up to 60 Months                     3.74%                                                  4.74%            
Up to 72 Months                     3.74%                                                  4.90%              
Up to 84 Months^                   3.90%                                                  5.49%            
Up to 120 Months^^               4.74%                                                   N/A            
Up to 144 Months^^               4.90%                                                   N/A      
Up to 180 Months^^^             5.49%                                                   N/A              

*APR is Annual Percentage Rate 

**APR as low as - Actual rate may be higher depending on factors such as credit history, repayment term , and age of collateral. Example of payment, pay $15.53 per month, per $1,000 borrowed for 72 months at 3.74% APR based on a 2020 or Boat, RV, or Travel Trailer.

Rates subject to change at any time.

^Minimum loan amount of $20,000  ^^Minimum loan amount of $30,000  ^^^Minimum loan amount $40,000

 

 

 

 
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**=                                    HELOC (Home Equity Line of Credit)          
Fixed-Rate* (LOC - 2 year draw period)                          APR* as low as      
Up to 5 Years                                                                             2.99%    *  
Up to 10 Years                                                                           3.49%      
Up to 15 Years                                                                           3.99%      
UP to 20 Years                                                                           3.99%      
       
Home Equity LOC**=                                       HELOC (Home Equity Line of Credit)      
Variable Rate*+ (LOC - 5 year draw period)                     APR* as low as      
Up to 20 Years                                                                            2.99%      

^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 2.99% APR, monthly payments would be $628.80. Closing costs range from $0.00 to $2,000.00; closing costs vary by loan amount and any promotions currently offered.

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

=Appraisal fee may apply if needed to accommodate 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. The current rate offered on the variable-rate HELOC is below the Floor rate. The interest rate is guaranteed on all closed HELOC loans until January 1, 2022.  

Rates subject to change at any time. 

     
Certificate of Deposit Secured  +2.50%                 Minimum Rate 3.00%