River Valley Credit Union

Loan Rates

Effective November 23, 2020
 

SPECIALS

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

 

Available through 12/31/2020.

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

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Over The Counter Fixed Rate New & Used Auto/Motorcycle Loan Rates

APR Terms (Months)
2019 or Newer
As Low As 1.99% 0 - 48 Months
As Low As 2.39% 49 - 60 Months
As Low As 2.79% 61 - 72 Months
As Low As 3.19% 73 - 84 Months
2018
As Low As 2.49% 0 - 48 Months
As Low As 2.79% 49 - 60 Months
As Low As 3.39% 61 - 72 Months
As Low As 3.79% 73 - 84 Months
2017
As Low As 2.89% 0 - 48 Months
As Low As 3.29% 49 - 60 Months
As Low As 3.69% 61 - 72 Months
2016
As Low As 3.39% 0 - 48 Months
As Low As 3.79% 49 - 60 Months
As Low As 4.19% 61 - 72 Months
2015
As Low As 3.49% 0 - 48 Months
As Low As 3.89% 49 - 60 Months
As Low As 4.29% 61 - 72 Months
2014
As Low As 3.69% 0 - 48 Months
As Low As 4.09% 49 - 60 Months
As Low As 4.49% 61 - 72 Months
2012-2013
As Low As 4.29% 0 - 36 Months
As Low As 4.69% 37 - 48 Months
As Low As 5.09% 49 - 60 Months
2011 and Older
As Low As 4.99% 0 - 36 Months
As Low As 5.39% 37 - 48 Months


Monthly payment example: For a 48 month auto/motorcycle loan of $25,000 at 1.99% APR, the monthly payment would be $542.26.

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Fixed Rate New & Used Recreational Vehicle Loans

APR Terms (Months)
2019 and Newer
As Low As 3.60% 0 - 60 Months
As Low As 5.10% 61 - 84 Months
As Low As 6.60% 85 - 120 Months
As Low As 8.10% 121 - 180 Months
2015-2018
As Low As 5.20% 0 - 60 Months
As Low As 6.70% 61 - 84 Months
As Low As 8.20% 85 - 120 Months
As Low As 9.70% 121 - 180 Months
2014 and Older
As Low As 5.70% 0 - 60 Months
As Low As 7.20% 61 - 72 Months


Monthly payment example: For a 60 month recreational vehicle loan of $50,000 at 3.60% APR, the monthly payment would be $911.82.

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Personal Loans

APR Terms (Months)
Up to 12 Months
As Low As 8.90% APR 12 Months
13 to 24 Months
As Low As 9.90% APR 24 Months
25 to 36 Months
As Low As 10.90% 36 Months
37 to 60 Months
As Low As 12.90% 60 Months


Monthly payment example: For a 12 month personal loan of $2,000 at 8.90% APR, the monthly payment would be $174.81.

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Home Equity Loans

APR Terms (Months)
0 - 60 Months
As Low As 2.99% Up to 60 Months
61 - 120 Months
As Low As 3.99% 61 - 120 Months
121 - 180 Months
As Low As 4.75% 121 - 180 Months
Home Equity Line of Credit
As Low As 4.25% Variable Rate Effective January 1, 2020*

 

Monthly payment example: For a 60 month home equity loan of $10,000 at 2.99% APR, the monthly payment would be $179.64.

*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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