ITIN Membership

ITIN Membership Options

No SSN Required

RRCU believes everyone deserves access to financial opportunities, regardless of their immigration status. If you have an Individual Taxpayer Identification Number (ITIN) and are looking for financial assistance, you've come to the right place. We offer a range of checking/savings accounts and loans available to help you achieve your financial goals. Explore our ITIN loan options below.

Savings: Basic Savings, Money Market, Share & IRA Certificates
Checking: Teal Advantage, Basic Checking, and more!

ITIN Membership Benefits

RRCU is on a mission to empower foreign nationals living in the United States to achieve financial independence and build a strong, secure future. We understand that navigating the U.S. financial system can be challenging, and that's why we are here to provide products and services with support and guidance you need to thrive. Hablamos Español.

To apply for membership, you’ll need:

• A $5.00 one-time Membership Fee
• A standard RRCU savings account with a minimum balance of $5.00 at all times

Please visit your local branch to open your RRCU account and learn more about all the benefits available to you as an ITIN Member.

Note: A Foreign National Checking Account is available if you do not have an ITIN. Click Here for more information on Foreign National Checking.

ITIN LOAN OPTIONS¹

RCU offers various loan products to ITIN members, which can significantly impact financial stability and growth while in the United States. Applications are available online, in-branch, and in our mobile app.

ITIN Auto Loans²

Our ITIN auto loans come with competitive rates and flexible terms. RRCU will report to credit bureaus which will add to your credit history. Refinancing an existing auto loan from another financial institution available. Requirements:

• Valid ITIN
• Credit check
• Proof of income
• Proof of insurance
• Down payment (Optional based on credit/collateral) 

ITIN Personal Loans

Our ITIN Personal Loans offer a way to secure fund for various purposes. These loans come with competitive interest rates. Whether you need funds for education, medical expenses, or other personal goals, we're here to help. Requirements:

• Valid ITIN
• Credit check
• Proof of income

ITIN Home Loans³

Achieve the dream of homeownership with our ITIN Home Loans. We understand the unique challenges faced by foreign nationals, and that's why we offer purchase and refinance options without the need for an SSN. Requirements:

• Purchase & Refinance 
• Primary Residence Only 
• 640 Minimum Credit Score
• Down Payment Required 
• Valid ITIN
• Proof of income and financial stability

ITIN Business Loans⁴

Our ITIN Business Loans offer competitive rates providing working capital, equipment financing, and business lines of credit. Perfect for entrepreneurs and small business owners looking to start or expand their ventures. Requirements:

• Must have a U.S. work visa (will not expire during term of loan) or permanent resident status (i.e., green card)
• Valid ITIN
• Business plan and financial documents
• Strong credit and business history may be required depending on loan type

¹All loan rates and terms are based on credit history; and year model for auto loans. Rates subject to changes without notice. With approved credit.
²Terms may be extended on auto loans based on year model with approved credit. Refinancing from other financial institutions is available with a $20,000 minimum.
³Visit our website or contact our mortgage department for additional information.
⁴Visit a branch or contact Commercial Services department for additional requirements per loan type.

How to Apply for an ITIN Loan

Applying for an ITIN loan at RRCU is a straightforward process:

1. Contact Us: Reach out to our friendly staff, who will guide you through the loan application process and answer any questions you may have. Hablamos Español.
2. Gather Required Documents: Ensure you have all necessary documentation, such as your valid ITIN, proof of income, and any other documents specific to the loan type.
3. Submit Your Application: Complete the loan application either in person at one of our branches or online through our user-friendly application portal. (English-only application)
4. Application Review: Our loan specialists will review your application and may request additional information if needed.
5. Loan Approval: Once your loan is approved, we will discuss the terms and conditions with you.
   Funds Disbursement: Upon agreement, the funds will be disbursed according to the loan requirements.

Why Choose RRCU for ITIN Loans?

• Trusted and established credit union since 1943 with a commitment to the community.
• Competitive interest rates and flexible terms.
• Experienced loan specialists to guide you through the process.
• Personalized solutions to meet your unique financial needs.
• Easy application process and great knowledge of the local housing market.
• Access to other financial services, including savings and checking accounts, financial education, and more.

At RRCU, we believe in financial inclusion and are here to support you on your journey towards financial stability and success. Contact us today to learn more about our ITIN loan options and how we can assist you in achieving your financial dreams.

More About ITINs