River Valley Credit Union

Loan Rates

Effective December 1, 2024

SPECIALS

APR Terms (Months)
Holiay Loan
As Low As 6.75% Up to 12 Months

 

Holiday loans only offered in November and December.

Monthly payment example: For a 12 month vacation loan of $1,500 at 6.75% APR, the monthly payment would be $129.62.

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New & Used Auto/Motorcycle Loans

APR Terms (Months)
2023 or Newer
As Low As 4.99% 0 - 48 Months
As Low As 5.39% 49 - 60 Months
As Low As 5.79% 61 - 72 Months
As Low As 6.19% 73 - 84 Months
2022
As Low As 5.09% 0 - 48 Months
As Low As 5.49% 49 - 60 Months
As Low As 5.89% 61 - 72 Months
As Low As 6.29% 73 - 84 Months
2021
As Low As 5.39% 0 - 48 Months
As Low As 5.79% 49 - 60 Months
As Low As 6.19% 61 - 72 Months
2020
As Low As 6.04% 0 - 48 Months
As Low As 6.44% 49 - 60 Months
As Low As 6.84% 61 - 72 Months
2019
As Low As 6.14% 0 - 48 Months
As Low As 6.54% 49 - 60 Months
As Low As 6.94% 61 - 72 Months
2018
As Low As 6.24% 0 - 48 Months
As Low As 6.64% 49 - 60 Months
As Low As 7.04% 61 - 72 Months
2016-2017
As Low As 6.54% 0 - 36 Months
As Low As 6.94% 37 - 48 Months
As Low As 7.34% 49 - 60 Months
2015 and Older
As Low As 9.14% 0 - 36 Months
As Low As 9.54% 37 - 48 Months


Monthly payment example: For a 48 month auto/motorcycle loan of $25,000 at 4.99% APR, the monthly payment would be $575.62.

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New & Used Recreational Vehicle Loans

APR Terms (Months)
2023 and Newer
As Low As 7.34% 0 - 60 Months
As Low As 8.84% 61 - 84 Months
As Low As 10.34% 85 - 120 Months
As Low As 11.84% 121 - 180 Months
2019-2022
As Low As 8.13% 0 - 60 Months
As Low As 9.63% 61 - 84 Months
As Low As 11.13% 85 - 120 Months
As Low As 12.63% 121 - 180 Months
2018 and Older
As Low As 9.29% 0 - 60 Months
As Low As 10.79% 61 - 72 Months


Monthly payment example: For a 60 month recreational vehicle loan of $50,000 at 7.34% APR, the monthly payment would be $998.10.

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Personal Loans

APR Terms (Months)
Up to 12 Months
As Low As 9.99% APR 12 Months
13 to 24 Months
As Low As 10.49% APR 24 Months
25 to 36 Months
As Low As 10.99% 36 Months
37 to 60 Months
As Low As 12.99% 60 Months


Monthly payment example: For a 12 month personal loan of $2,000 at 9.99% APR, the monthly payment would be $175.82.

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Home Equity Loans

APR Terms (Months)
0 - 60 Months
As Low As 5.99% Up to 60 Months
61 - 120 Months
As Low As 6.49% 61 - 120 Months
121 - 180 Months
As Low As 6.99% 121 - 180 Months
Home Equity Line of Credit
8.00% Variable Rate Effective January 1, 2024*

 

Monthly payment example: For a 60 month home equity loan of $10,000 at 5.99% APR, the monthly payment would be $193.28.

*Maximum adjusted rate is 15% APR

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APR = Annual Percentage Rate. Rates are subject to change at anytime. Actual rate may be higher based on borrower's credit history, selected payment method and collateral considerations. All loans subject to approval. RVCU is not responsible for typographical errors or omissions.

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