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Loan Rates
Rates effective | Prime Rate: 7.00% as of October 30, 2025.
| Loan Type | Term | New and Used Auto APR as low as* |
| New Vehicle (Car & Motorcycle) | 3 yrs. | 4.29% |
| 4 yrs. | 4.49% | |
| 5 yrs. | 4.59% | |
| 6 yrs. | 4.99% | |
| 7 yrs. | 5.59% | |
| 8 yrs. | 6.29% | |
| Used Vehicle (Car & Motorcycle) | 3 yrs. | 5.29% |
| 4 yrs. | 5.49% | |
| 5 yrs. | 5.59% | |
| 6 yrs. | 5.99% | |
| 7 yrs. | 6.59% |
| Loan Type | Term | New and Used Recreational Vehicle APR as low as* |
| New Recreational Vehicle | 3 yrs. | 6.29% |
| 4 yrs. | 6.49% | |
| 5 yrs. | 6.59% | |
| 6 yrs. | 6.99% | |
| 7 yrs. | 7.59% | |
| 8 yrs. | 8.29% | |
| Used Recreational Vehicle | 3 yrs. | 7.29% |
| 4 yrs. | 7.49% | |
| 5 yrs. | 7.59% | |
| 6 yrs. | 7.99% | |
| 7 yrs. | 8.59% |
| Loan Type | Term | New and Used PowerSports APR as low as* |
| New PowerSports | 3 yrs. | 8.29% |
| 4 yrs. | 8.49% | |
| 5 yrs. | 8.59% | |
| 6 yrs. | 8.99% | |
| 7 yrs. | 9.59% | |
| 8 yrs. | 10.29% | |
| Used PowerSports | 3 yrs. | 9.29% |
| 4 yrs. | 9.49% | |
| 5 yrs. | 9.59% | |
| 6 yrs. | 9.99% | |
| 7 yrs. | 10.59% |
| Loan Type | Term | Personal Loan APR as low as* |
| Shares Pledged | 3 yrs. | 3.25% |
| 4 yrs. | 3.25% | |
| 5 yrs. | 3.25% | |
| 6 yrs. | 3.75% | |
| 7 yrs. | 3.75% | |
| 10 yrs. | 3.75% | |
| 12 yrs. | 4.00% | |
| Signature | 3 yrs. | 9.99% |
| 4 yrs. | 10.49% | |
| 5 yrs. | 10.74% |
| Loan Type | Term | APR | |
| Fixed Rate Home Equity Loans | 1st Lien | 2nd Lien | |
| 1st Lien Home Equity APR as low as* | 2nd Lien Home Equity APR as low as* | ||
| 2 - 3 yrs. | 4.44% | 6.24% | |
| 4 - 5 yrs. | 5.54% | 7.14% | |
| 6 - 10 yrs. | 6.34% | 7.64% | |
| 11 - 15 yrs. | 6.64% | N/A | |
| 16 - 20 yrs. | 7.04% | N/A |
| Loan Type | Term | APR |
| Riegel Crown Account | 15 years | Prime Rate minus 0.50% (The floor rate is 4.00% with a ceiling rate of 10.50%.) |
| Card Type | VISA Credit Card Purchase APR as low as* |
| RFCU Rewards VISA Credit Card | Prime + 7.49% |
| RFCU Value VISA Credit Card | Prime + 4.49% |
| RFCU Secured VISA Credit Card | Prime + 4.49% |
TruStage™ Auto Insurance Program
Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.
If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
MAH-1112-AD42
You can click the Apply box below to fill out an online application. Please be sure to select the appropriate application type to avoid processing delays. If you have any questions, please call the Credit Union at 1-800-635-6829.
All rates are expressed as annual percentage rates.
*APR = Annual Percentage Rate. Rates and percentage financing shown are available to Riegel Federal Credit Union members meeting select credit criteria only and subject to change at any time without notice. "As Low As" rates include Riegel FCU Autopay discount, when applicable. Other rates and terms available based on creditworthiness. Riegel FCU uses a risk-based pricing program. Your final APR is based on your creditworthiness and other standard underwriting criteria. Not all applicants will qualify for the lowest advertised rate. Payment example: A $20,000 loan at 4.29% APR with a term of 36 months (3 years) would result in 36 monthly payments of $592.83.
Collateral values are determined using industry-standard valuation guides and must meet loan-to-value requirements.
All loans are subject to credit approval and underwriting review.
Credit scores are obtained from consumer reporting agencies and may vary based on the scoring model used.
Please see Fee Schedule for all applicable fees.
See Loan/VISA disclosures and membership agreements for full terms and conditions.
The rate on the Riegel Crown Account may change at any time.
Second Mortgage refinances must borrow an additional $10,000.00 to qualify for the current Second mortgage Rates (Unless rate is increasing).
First lien position 10 & 12 year refinances with existing Credit Union home equity loan must borrow an additional $10,000 to qualify for rate. (Unless rate is increasing).
Refinancing of existing Riegel FCU auto loans are not permitted to reduce the interest rate. If an interest rate is increasing, refinances are allowed.
(Cash out refers to borrowing above the existing balance of your current Riegel FCU auto loan.)
New Car Loan - 2025 Model Year
2024 Model Year will be considered a new car until March 31, 2025. The vehicle being purchased must have less than 3,000 miles to be considered new.
72 month financing available on loans of $18,000.00 or more.
Model years 2015 and newer can be financed for up to 48 months.
Loan approvals and quoted rates are good for 60 days from the date of application.
Property Insurance is required for Fixed Home Equity and Riegel Crown Account loans and offer is contingent on loan being recorded in at least the second lien position against your residence.
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