Loans

Riegelwood Federal Credit Union offers a host of competitive loan rates for our members. Click on the appropriate link below to view rates & terms. Each link is in alphabetical order. If you do not see a loan type that fits your needs, please do not hestitate to call and ask a real personal friendly loan officer which category your loan request may fit.

Rates

  • Existing collateral loans with credit union must have cash advance equity of at least $1000.00 and not exceed NADA Average Trade Value.
  • TITLES: Salvage/Junk/Rebuilt/Reconstructed/Flood not allowed for collateral.
  • LATE FEE: Effective September 1, 2014 loans will incur a $25 fee once the loan is greater than 30 days past due. (Mortgage Loans & Overdraft Loans are not included)

All Terrain Vehicles (ATVs) Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New80% of Purchase Price
Up to 36 months
3.99% - 11.99%
Used80% Book Value
Up to 30 months
4.99% - 13.99%

Automobile Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New (2014 -
or purchased in last
4 months with 10K Miles
or less
Up to 84 Months
1.99% - 8.99%
Used(2013-2007) Up to 72 months
Determined by age of vehicle
NADA Value
1.99% - 9.99%
Older ModelsUp to 60 Months
NADA Value

1.99% - 9.99%
Classic ModelsUp to 60 Months
Up to CPI Wholesale Book Value**

1.99% - 9.99%
NADAGet Vehicle Value

Airplane Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New80% List
Up to 120 Months
3.99% - 11.99%
UsedBook Value
Up to 120 Months
4.99% - 13.99%
Proof of insurance

Watercraft Rates

Type
Term Requirements % APR
Annual Percentage Rate
New80% Purchase Price
Up to 72 Months
3.99% - 11.99%
Used80% Book Value
Up to 60 Months
4.99% - 13.99%
NADAGet your Boat Prices

Camper/Travel Trailer Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New90% Purchase Price
Up to 84 Months
3.99% - 11.99%
Used90% Book Value
Up to 72 Months
4.99% - 13.99%
NADAGet your Recreation Vehicle Values

Computers & Accessories Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New 100% Purchase Price
Up to 24
Must provide insurance if loan over $5K
3.99% - 11.99%

Farm Equipment Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New80% Purchase Price
Up to 72 Months
Insurance Required
3.99% - 11.99%
Used80% Purchase Price
Up to 72 months
Insurance Required
4.99% - 13.99%
Proof of insurance

Home Equity Rates

TypeTerm Requirements % APR
Annual Percentage Rate
Call Rose Dowless @ 362-2076 for more information. **
** Variable Rate Home Equity Open End Line of Credit Interest Rate Index – Prime +1.00%. Rate declared December 1st and June 1st of each year. Rate adjusted January 1st and July 1st of each year.

Mobile Home Rates

TypeTerm Requirements % APR
Annual Percentage Rate
NEW Single Wide
SETUP: Owned Property
SETUP: Rental Property

90% Puchase Price
Up to 180 Months

7.50% - 11.95%
9.50% - 12.95%
USED Single Wide
SETUP: Owned Property
Rental Property

80% Book Value
Up to 180 Months

7.50% - 11.95%
9.50% - 12.95%
Proof of insurance

Motorcycle Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New80% Purchase Price
Up to 60 Months
3.99% - 11.99%
Used80% Book Value
Up to 60 Months
Not to exceed base
value
4.99% - 13.99%
Harley Davidson - New90% Purchase Price
Up to 72 Months
3.99% - 11.99%
Harley Davidson - Used80% Book Value
Up to 60 Months
Not to exceed base value
4.99% - 13.99%
NADAGet your Motorcycle Prices

Lawnmower Rates

TypeTerm Requirements % APR
Annual Percentage Rate
New100% Purchase Price
Up to 54 Months
3.99% - 11.99%
Proof of insurance over $5000

Miscellanous Rates

TypeTerm Requirements % APR
Annual Percentage Rate
Unsecured SignatureRisk based
Unsecured up to 60 Mo.
8.99% - 14.99%
CosignerRisk based
Unsecured up to 60 Months
8.99% - 14.99%
Single PaymentRisk based
Unsecured up to 12 Months
8.99% - 14.99%
Visa PlatinumRisk based7.75% - 14.95%
Shared SecuredUp to 60 Months
61-120 Maximum mo.
IRA/Charity/Non-Profit/Tax Free Accounts
do not qualify as
collateral for Share Loan
2.00%
3.00%
Overdraft Line of CreditUnsecured up to $100017.95%

Mortgage Rates

TypeTerm Requirements % APR
Annual Percentage Rate
Call 362-2079

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