Rates effective October, 21, 2026 | Prime Rate: 7.00% as of September 17, 2026.
Vehicle Loans
| 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% |
New Vehicle Rates
- New Car – 2026 Model Year
- 2025 Model Year will be considered a new car until March 31, 2026. 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.
- 84 month financing available on loans of $30,000.00 or more.
- 96 month financing available on loans of $50,000.00 or more.
Maximum Loan-to-Value (LTV): Up to 110% of Retail Value
LTV may exceed 110% when financing: Mechanical Repair Coverage, GAP or GAP Plus and/or Title fees
Used Vehicle Rates
- Used Car – Model years ’25 & ’26 can be financed up to 84 months w/loan of $30,000.00 or more.
- Used Car – Model years ’24 & ’25 can be financed up to 72 months w/loan of $18,000.00 or more.
- Model years 2021 and newer can be financed for up to 60 months.
Model years 2016 and newer can be financed for up to 48 months.
Maximum Loan-to-Value (LTV): Up to 100% of Retail Value
LTV may exceed 100% when financing: Mechanical Repair Coverage, GAP or GAP Plus and/or Title fees
Vehicles Over 10 Years Old: All vehicles over 10 years old receive a +2.50% rate adjustment.
Auto Loan Refinances: Refinances that reduce the member’s existing interest rate are not permitted.
Recreational Vehicle
| 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% |
Maximum Loan-to-Value (LTV): Up to 85% of Retail Value
LTV may exceed 85% when financing: Mechanical Repair Coverage, GAP or GAP Plus and/or Title fees
PowerSports
| 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% |
Maximum Loan-to-Value (LTV): Up to 85% of Retail Value
LTV may exceed 85% when financing: Mechanical Repair Coverage, GAP or GAP Plus and/or Title fees
Personal Loans
| 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% | |
| 8 yrs. | 3.75% | |
| 10 yrs. | 4.00% | |
| 12 yrs. | 4.00% | |
| Signature | 3 yrs. | 9.99% |
| 4 yrs. | 10.49% | |
| 5 yrs. | 10.74% |
Home Equity
| 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% | 4.64% | |
| 4 - 5 yrs. | 5.54% | 5.84% | |
| 6 - 10 yrs. | 6.34% | 6.74% | |
| 11 - 15 yrs. | 6.64% | 7.14% | |
| 16 - 20 yrs. | 7.04% | N/A |
Fixed 1st Lien Home Equity
- Minimum loan amount for Terms up to 180-months for Home Equity loans: $10,000.
- Terms 181–240 months require a minimum loan amount of $50,000.
Fixed 2nd Lien Home Equity
- Maximum term: 15 years (180 months)
- Minimum loan amount for all Home Equity loans: $10,000.
Home Equity Line of Credit
| Loan Type | Term | APR |
|---|---|---|
| HELOC | 15 years | Prime Rate minus 0.50% (The floor rate is 4.00% with a ceiling rate of 10.50%.) |
Credit Cards
| 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% |
How Rates Are Determined
APR means Annual Percentage Rate. Your rate depends on creditworthiness and other lending criteria. Not all applicants qualify for the lowest advertised rate. “As low as” rates include an autopay discount where applicable.
View Full Lending Disclosures | View Fee Schedule
- Membership and credit approval are required. Rates are subject to change.
- Credit scores are obtained from consumer reporting agencies and may vary based on the scoring model used.
- Loan approvals and quoted rates are good for 60 days from the date of application.
- Collateral values are determined using industry-standard valuation guides and must meet loan-to-value requirements.
- See Loan disclosures and membership agreement for full terms and conditions.
Auto Loan Eligibility
- Available financing and repayment terms depend on the vehicle’s age, value and loan amount.
- Vehicle values are determined using industry-standard valuation guides.
- Additional requirements apply to longer repayment terms and older vehicles. Contact our lending team to confirm eligibility for your vehicle.
- Refinancing an existing Riegel auto loan: Refinancing to reduce the interest rate is not permitted. Refinancing at the same or a higher rate remains subject to approval.
Home Equity Loan Requirements
- Property eligibility, income verification and a property valuation are required.
- Available rates and terms depend on lien position and lending qualifications.
- Property insurance is required, and Riegel FCU’s lien must be recorded.
- Closing costs may apply.
- See Loan disclosures and membership agreement for full terms and conditions.
For refinancing, contact our lending team to confirm eligibility, lien requirements and applicable costs.
HELOC Rates and Terms
A Home Equity Line of Credit has a variable rate. Changes in the applicable index can change your APR and payment. Your credit agreement explains the index, rate adjustment, minimum and maximum APR, and how payments are calculated.
- This line has a 10-year draw period, followed by a 15-year repayment period for the outstanding balance.
- Property eligibility, income verification and a property valuation are required.
- Available rates and terms depend on lien position and lending qualifications.
- Property insurance is required, and Riegel FCU’s lien must be recorded on title.
- Closing costs may apply.
- See Loan disclosures and membership agreement for full terms and conditions.
For refinancing, contact our lending team to confirm eligibility, lien requirements and applicable costs.