Loan Rates

Consumer Unsecured Loans (rates effective as of August 20, 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 August 20, 2019)

New/Used Autos 2013 - 2019 (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 2009 - 2012 (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 August 20, 2019)

Boat, RV & Motorcycle 2007 - 2019 (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 August 20, 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 August 20, 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 2017-2019. Used Auto Loans 2009 – 2016. Rates, terms and conditions of loans will be based on individual credit worthiness.

****APR=Annual Percentage Rate. The rates quoted are effective as of January 1, 2019 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 2017-2019. Used Boat, RV and Motorcycle Loans 2007 – 2019. Rates, terms and conditions of loans will be based on individual credit worthiness.

 

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