Home Loans

A loan that fits your life!

Mortgages

RT Federal Credit Union is here to help you make one of the biggest investments you’ll make in your life. Whether you are buying a new home, refinancing your current home, or looking to access the equity in your current home, we have the right home loan for you.

RT Federal Credit Union offers conventional mortgages, FHA, VA, and USDA mortgage options.
Mortgages are offered in both fixed-rate and adjustable rate options with terms available from 10 to 30 years.

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Home Equity Loans

Accessing your homes equity is easy with RT Federal Credit Union. Whether you are looking to finance your next home project or second home purchase, consolidate high interest rate debt, or open a line of credit for future needs we have the right loan for you.

Fixed-Rate Home Equity Loans

Our fixed-rate loans are available in terms up to 15 years and your interest rate will not change during the life of your loan.

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Home Equity Line of Credit (HELOC) with Fixed-Rate Options

RT Federal Credit Union’s variable rate Home Equity Line of Credit has a 15-year draw period and is a unique option that combines the flexibility of a line of credit with the option of locking in fixed-rate loans under the same line.

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Need Help?

We're here and happy to help you. Please contact us to start a conversation today.