RiverTrace will be closed on Friday, November 10 in observance of Veterans Day.

Loan Rates

Consumer Unsecured Loans (rates effective as of January 17, 2019)

Personal Loan (Fixed Rate)
Repayment TermMinimum Loan AmountMaximum Loan AmountAPR
12 - 48 Months$1,000>$10,0007.50% - 15.99%*

Consumer Auto Loans (rates effective as of January 17, 2019)

New/Used Autos 2012 - 2018 (101% - 125%** LTV)
APR As low as
Terms for Fixed Auto LoansMinimum Loan AmountNew Auto Loans***Used Auto Loans***
0 - 48 Months
n/a
2.99%
3.24%
49 - 60 Months
n/a
3.24%
3.74%
61 - 72 Months
n/a
3.74%
4.24%
73 - 84 Months
$25,000
4.24%
4.49%

 

Used Autos 2008 - 2011 (101% - 125%** LTV)
APR As low as
Terms for Fixed Auto LoansMinimum Loan AmountUsed Auto Loans***
0 - 66 Months
$5,000
4.99%

Consumer Adventure Loans (rates effective as of January 17, 2019)

Boat, RV & Motorcycle 2006 - 2018 (101% - 125%** LTV)
APR As low as
Terms for Fixed Auto LoansMinimum Loan AmountNew Adventure Loans*****Used Adventure Loans*****
0 - 36 Months
$5,000
2.99%
3.74%
37 - 48 Months
$5,000
3.24%
3.99%
49 - 60 Months
$10,000
3.74%
4.99%
61 - 72 Months
$20,000
3.99%
5.49%
73 - 84 Months
$25,000
4.99%
5.74%
85 - 120 Months
$50,000
5.24%
N/A
121 - 240 Months
$100,000
5.49%
N/A
 Right Path Loans (rates effective as of January 17, 2019)
Credit Builder Loan
Repayment TermMinimum Loan AmountMaximum Loan AmountAPRFee
12 - 24 Months$500>$2,50017.99%$25.00

 

 

Vehicle Connector Loan
Repayment TermMinimum Loan AmountMaximum Loan AmountAPRPurchased From:
12 - 60 Months$5,000>$18,00016.00%Enterprise

Consumer Other Selected Loans (rates effective as of January 17, 2019)

TypeMaximum Credit Line% Above Index
Share Pledge
100% of unpledged funds on deposit.
Up to 60 months.
Current Share rate + 3.00%, rounded up to the next whole number
Certificate Pledge
100% of unpledged funds on deposit. Length of Certificate
Current Certificate rate + 3.00%, rounded up to the next whole number

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.

*Rates based on credit worthiness.

**101% – 125% LTV requires mandatory GAP Insurance.

***New Auto Loans 2016-2018. Used Auto Loans 2008 – 2015. Rates, terms and conditions of loans will be based on individual credit worthiness.

****APR=Annual Percentage Rate. The rates quoted are effective as of March 1, 2018 and are subject to change without notice. APR is based on a variety of factors, including the applicant’s credit rating and RiverTrace FCU account history.

*****New Boat, RV and Motorcycle Loans 2016-2018. Used Boat, RV and Motorcycle Loans 2006 – 2018. Rates, terms and conditions of loans will be based on individual credit worthiness.

 

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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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