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The RRCU is pleased to offer great rates on automobiles, including recreational vehicles (boats, jet skis, ATVs, and motorcycles) and repossessed vehicles with the following features:
- Quick approvals
- Convenient eSign
- Multiple payment options
- Low-cost payment protection, warranty and GAP options to save you money
Rates Effective: 10/28/2026
Auto Loan Rates
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| NEW! 2026 | up to 48 months up to 60 months up to 84 months | 4.90% 5.60% 5.95% |
| 2025 | up to 48 months up to 60 months up to 84 months | 4.90% 5.60% 5.95% |
| 2024 | up to 72 months | 6.45% |
| 2023 | up to 72 months | 6.45% |
| 2022 | up to 72 months | 6.45% |
| 2021 | up to 48 months | 7.05% |
| 2020 or Older | up to 36 months | 7.55% |
*Terms may be extended on auto loans based on year model with approved credit.
**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle)
Loans under $40,000
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| NEW | up to 60 months | 5.95% |
| Used | up to 60 months | 6.40% |
Loans $40,000 and above
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| NEW | up to 144 months | 7.90% |
| Used | up to 144 months | 8.40% |
*APR = Annual Percentage Rate. Rate and term based on credit score and new or used model. Rate subject to change without notice. With Approved Credit.
Repo Rates
| Loan Type | APR* | Getting Started |
|---|---|---|
| Repo Vehicles All Year Models | 6.75% | Get Started |
All vehicles sold in “as is” condition. There are no written or implied warranties or guarantees outside of any applicable manufacturers warranties. All offers subject to availability. Inventory subject to change. FAST-MOVING INVENTORY - NO HOLDS ACCEPTED
*APR = Annual Percentage Rate. Rate subject to change without notice. With Approved Credit. Extended terms are available.
Unsecured Loan Rates
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| Unsecured | up to 60 months | 13.30% |
| Money Line / Line of Credit | - | 11.30% |
Apply for Unsecured Loan Apply for Line of Credit
*APR = Annual Percentage Rate. With Approved Credit. Rates subject to change without notice.
Home Improvement Rates
Home improvements are a great way to potentially increase its value!
| Loan Type | Term | APR* As Low As |
|---|---|---|
| Up to $10,000 | up to 60 months | 6.45% |
| $10,001-$15,000 | 61-84 months | 6.95% |
| $15,001-$25,000 | 85-120 months | 7.45% |
| $25,001-$50,000 | 121-144 months | 8.45% |
*APR=Annual Percentage Rate. With approved credit. Rate based on term and credit score. Rates subject to change.
Credit Card Rates
| Special Offer | APR As Low As* | |
|---|---|---|
| Visa® Platinum | 6 month Introductory Rate 4.90%** | 9.90% |
| Visa® Platinum Rewards | Rewards Program | 11.90% |
*APR=Annual Percentage Rate
**4.90% introductory rate for the first six months, with approved credit. After that, your APR will be 9.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. If payment is late once or otherwise in default during the 6-month introductory-rate period, the 4.90% introductory rate will adjust to the variable rate of 9.90% to 17.90% based on credit score and history, and will vary with the market based on the Prime Rate Index. Rates are subject to change without notice.
***APR will be 11.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates are subject to change without notice.