Loan Rates
RT Federal Credit Union is here to help you manage your financial life by offering secured and unsecured loan options with flexible terms and low rates. Whether you are purchasing a vehicle, completing a home improvement project, paying off high-interest debt, taking a vacation, or whatever you need money for, we are here for you.
Apply NOW for a loan that fits your life!
Autos & Motorcycle
| Type | Maximum Term | APR* | Monthly Payment per $1,000 |
|---|
| New Autos & Motorcycles (2022-2024) less than 10,000 miles |
5 years |
as low as 5.45% |
$19.08 |
| New Autos & Motorcycles (2022-2024) less than 10,000 miles |
6 years |
as low as 5.95% |
$16.55 |
| New Autos & Motorcycles (2022-2024) less than 10,000 miles |
7 years |
as low as 6.50% |
$14.85 |
| Used Autos & Motorcycles (2019-2022) |
4 years |
as low as 5.75% |
$23.37 |
| Used Autos & Motorcycles (2019-2022) |
5 years |
as low as 6.25% |
$19.45 |
| Used Autos & Motorcycles (2019-2022) |
6 years |
as low as 6.45% |
$16.79 |
| Used Autos & Motorcycles (2018 & Older) |
5 years |
as low as 8.30% |
$20.43 |
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
*Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
|
Boats, RVs, & Campers
| Type | Maximum Term | APR* | Monthly Payment per $1,000 |
|---|
| New Titled Boats, RVs, & Campers (2022-2024) |
5 years |
as low as 5.70% |
$19.20 |
| New Titled Boats, RVs, & Campers (2022-2024) |
6 years |
as low as 6.00% |
$16.58 |
| New Titled Boats, RVs, & Campers (2022-2024) |
7 years |
as low as 6.30% |
$14.76 |
| New Titled Boats, RVs, & Campers (2022-2024) |
10 years |
as low as 7.30% |
$11.78 |
| Used Titled Boats, RVs, & Campers (2019-2022) |
5 years |
as low as 6.30% |
$19.48 |
| Used Titled Boats, RVs, & Campers (2019-2022) |
6 years |
as low as 6.50% |
$16.82 |
| Used Titled Boats, RVs, & Campers (2019-2022) |
7 years |
as low as 6.80% |
$15.00 |
| Used Titled Boats, RVs, & Campers (2019-2022) |
10 years |
as low as 7.80% |
$12.04 |
| Used Titled Boats, RVs, & Campers (2018 & older) |
5 years |
as low as 8.80% |
$20.67 |
| New Non-Titled Recreational Vehicles (2022-2024) |
3 years |
as low as 6.60% |
$30.71 |
| New Non-Titled Recreational Vehicles (2022-2024) |
4 years |
as low as 6.70% |
$23.82 |
| New Non-Titled Recreational Vehicles (2022-2024) |
5 years |
as low as 6.80% |
$19.72 |
| Used Non-Titled Recreational Vehicles (2019-2022) |
3 years |
as low as 7.20% |
$30.98 |
| Used Non-Titled Recreational Vehicles (2019-2022) |
4 years |
as low as 7.30% |
$24.10 |
| Used Non-Titled Recreational Vehicles (2019-2022) |
5 years |
as low as 7.40% |
$20.00 |
| Used Non-Titled Recreational Vehicles (2018 & older) |
5 years |
as low as 8.40% |
$20.48 |
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
*Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
|
Home
| Type | Maximum Term | APR* | Monthly Payment per $1,000 |
|---|
| Home Improvement |
5 years |
as low as 7.80% |
$20.19 |
| Home Equity Loan - 80% LTV Fixed Rate - First Position |
7 years |
5.00% |
$14.13 |
| Home Equity Loan - 80% LTV Fixed Rate - Second Position |
7 years |
5.75% |
$14.49 |
| Home Equity Loan - 80% LTV Fixed Rate - First Position |
15 years |
5.60% |
$8.22 |
| Home Equity Loan - 80% LTV Fixed Rate - Second Position |
15 years |
6.35% |
$8.63 |
| Home Equity Line of Credit - 80% LTV (Variable & Fixed Rate Available) |
15 years |
as low as 7.75% |
$9.42 |
*Annual Percentage Rate
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice. Monthly payments per $1000 are based on the maximum terms listed. For home equity loans and lines, this does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Out of pocket fees vary depending on loan amount. Consult a tax advisor for information regarding the deductibility of interest and charges.
HELOC Annual Percentage Rate may vary monthly based on the Prime Rate published in the Wall Street Journal. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not go below 4% or exceed 15% APR.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
|
Personal
| Type | Maximum Term | APR* | Monthly Payment per $1,000 |
|---|
| Graduate Tuition |
2 years |
as low as 4.71% |
$43.75 |
| Personal Loan |
1 year |
as low as 5.74% |
$85.97 |
| Personal Loans |
2 years |
as low as 7.80% |
$45.15 |
| Personal Loans |
3 years |
as low as 8.30% |
$31.49 |
| Personal Loans |
4 years |
as low as 9.30% |
$25.04 |
| Personal Loans |
5 years |
as low as 10.30% |
$21.41 |
| Debt Consolidation |
5 years |
as low as 13.24% |
$22.89 |
| Share Secured |
5 years |
2.65% over dividend rate of shares pledged |
$17.82 |
| Personal Line of Credit |
N/A |
7.9% |
N/A |
| VISA® Credit Card |
N/A |
9.9% |
N/A |
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
*Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
Our VISA Credit Card rate is fixed at 9.9% APR with no annual fee or cash advance fee; foreign transactions have a 1% processing fee.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
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