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Enjoy the ride.

It doesn't matter if you're making a short trip to Short Pump or braving a trek up 95 to the nation's capital. The most important thing about the journey is having a safe, reliable and comfortable vehicle to get you there.

Options? Yep, we've got plenty of them. With RiverTrace, you can buy through a dealership, a private party or Credit Union Direct Lending (CUDL) dealers. The CUDL program allows you to visit participating local Auto and RV dealerships where you can purchase your vehicle and finance it with RiverTrace, both at the same time. You can also refinance your car, truck, motorcycle, boat, RV, travel trailer, tent trailer or airplane loan with us.

For vehicle loans, we offer:

  • Terms up to 84 months ($25,000 minimum for 73-84 month terms)
  • No prepayment penalty
  • Financing of new or used vehicles up to 125% of purchase price*
  • Loan pre-approval to give you better bargaining power at the dealership

For recreational vehicle loans, we offer:

  • Loans for boats, motorhomes, travel trailers, tent trailers, motorcycles and airplanes
  • Terms of 36 to 144 months
  • Special financing terms available for high-value RVs
  • Loans up to 125% of the purchase price of new RVs*
  • No prepayment penalty
  • Loan pre-approval for better bargaining power at the dealership

Okay, so you probably already have a vehicle loan (or several). Most of us do. But did you know that refinancing that loan to a lower rate and/or different term with RiverTrace can save you hundreds, if not thousands, of dollars over the life of that loan? It's true. And, refinancing is so easy. Apply online, give us a call or stop by the branch and we'll get you rolling.

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.

*101% – 115% Loan-to-Value Ratio requires mandatory GAP Insurance.

 

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Lobby Hours:

Monday-Wednesday: 9:00 - 5:00

Thursday: 10:00 - 5:00

Friday: 9:00 - 5:00

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