Access will resume on May 3rd.
RT Federal Credit Union is here to help you manage your financial life by offering secured and unsecured loan options with flexible terms and low rates. Whether you are purchasing a vehicle, completing a home improvement project, paying off high-interest debt, taking a vacation, or whatever you need money for, we are here for you.
Apply NOW for a loan that fits your life!
Current Rates as of 7/28/2026
New & Used Autos & Motorcycles
| Model Year |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 2022-2027 |
5 years |
as low as 3.99% |
$18.42 |
| 2022-2027 |
6 years |
as low as 4.49% |
$15.88 |
| 2022-2027 (minimum loan amount $40,000) |
7 years |
as low as 4.99% |
$14.14 |
| 2021 and older |
5 years |
as low as 5.99% |
$19.34 |
As low as rates are based on member relationship.
New & Used Titled Boats, RVs, & Campers
| Model Year |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 2022-2027 |
5 Years |
as low as 5.55% |
$19.13 |
| 2022-2027 (minimum loan amount $30,000) |
6 years |
as low as 5.80% |
$16.49 |
| 2022-2027 (minimum loan amount $40,000) |
7 years |
as low as 6.05% |
$14.64 |
| 2022-2027 (minimum loan amount $50,000) |
10 years |
as low as 7.05% |
$11.65 |
| 2021 & older |
5 years |
as low as 8.05% |
$20.31 |
New & Used Recreational Vehicles (snowmobiles, jet skis, ATVs)
| Model Year |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 2022-2027 |
5 years |
as low as 6.00% |
$19.34 |
| 2021 & Older |
5 years |
as low as 9.74% |
$21.13 |
Equipment
| Model Year |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| N/A |
5 years |
as low as 5.24% |
$18.99 |
As low as rate based on member relationship.
Home Improvement Loan
| Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 5 years |
as low as 7.74% |
$20.16 |
Home Equity Loans
| Type |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 80% LTV Fixed Rate - First Position |
7 years |
4.50% |
$13.91 |
| 80% LTV Fixed Rate - Second Position |
7 years |
5.25% |
$14.26 |
| 80% LTV Fixed Rate - First Position |
15 years |
5.10% |
$7.97 |
| 80% LTV Fixed Rate - Second Position |
15 years |
5.85% |
$8.37 |
Home Equity Line of Credit
| Type |
Maximum Term |
APR* |
Monthly Payment per $1,000 |
| 80% LTV (Variable & Fixed Rate Available) |
15 years |
as low as 6.75% |
$8.86 |
As low as rate based on member relationship.
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
*Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Personal Loans
| Type |
Maximum Term |
APR |
Monthly Payment per $1,000 |
| Personal Loan |
3 years |
as low as 9.24% |
$31.93 |
| Personal Loan |
5 years |
as low as 9.74% |
$21.13 |
| Graduate Loan |
2 years |
as low as 5.21% |
$43.98 |
| Debt Consolidation |
5 years |
as low as 13.24% |
$23.15 |
Lines of Credit
| Type |
Maximum Term |
APR |
Monthly Payment per $1,000 |
| Personal Line of Credit |
N/A |
7.90% |
N/A |
| VISA Credit Card |
N/A |
9.90% |
N/A
|
Share Secured Loans
*Rate is over dividend rate of shares pledged - term must match term of shares
| Type |
Maximum Term |
APR |
Monthly Payment per $1,000 |
| Regular Shares |
10 years |
as low as 2.20%* |
$9.30 |
| 12 Month Term Shares |
1 years |
as low as 2.20%* |
$84.34 |
| 18 Month Term Shares |
1.5 years |
as low as 2.20%* |
$56.54 |
| 24 Month Term Shares |
2 years |
as low as 2.20%* |
$42.63 |
As low as rate based on member relationship.
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
*Annual Percentage Rate
Monthly payments per $1000 are based on the maximum terms listed.
RT Federal Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.