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.
