Skip to main content

Loan Rates

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 12/11/2025

New Autos & Motorcycles
Model Year Maximum Term APR* Monthly Payment per $1,000
2023-2026 (less than 10,000 miles) 5 years as low as 4.24% $18.53
2023-2026 (less than 10,000 miles) 6 years as low as 4.74% $15.99
2023-2026 (less than 10,000 miles, minimum loan amount $40,000) 7 years as low as 5.24%

$14.25 
Used Autos & Motorcycles
Model Year Maximum Term APR* Monthly Payment per $1,000
2021-2025 5 years as low as 4.24% $18.53
2021-2025 6 years as low as 4.74% $15.99
2021-2025 (minimum loan amount $40,000) 7 years as low as 5.24% $14.25
2010-2020 5 years as low as 6.24% $19.45

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.

New Titled Boats, RVs, & Campers
Model Year Maximum Term APR* Monthly Payment per $1,000
2024-2025 5 years as low as 5.20% $18.96
2024-2025 6 years as low as 5.50% $16.34
2024-2025 7 years as low as 5.80% $14.51
2024-2025 10 years as low as 6.80% $11.51
Used Titled Boats, RVs, & Campers
Model Year Maximum Term APR* Monthly Payment per $1,000
2019-2024 5 Years as low as 5.80% $19.24
2019-2024 6 years as low as 6.00% $16.57
2019-2024 7 years as low as 6.30% $14.75
2019-2024 10 years as low as 7.30% $11.77
2018 & older 5 years as low as 8.30% $20.42
New Non-Titled Recreational Vehicles
Model Year Maximum Term APR* Monthly Payment per $1,000
2022-2025 3 years as low as 6.10% $30.47
2022-2025 4 years as low as 6.20% $23.58
2022-2025 5 years as low as 6.30% $19.47
Used Non-Titled Recreational Vehicles
Model Year Maximum Term APR* Monthly Payment per $1,000
2019-2024 3 years as low as 6.70% $30.74
2019-2024 4 years as low as 6.80% $23.85
2019-2024 5 years as low as 6.90% $19.75
2018 & older 5 years as low as 7.90% $20.23

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.

Home Improvement Loan
Maximum Term APR* Monthly Payment per $1,000
5 years as low as 7.80% $20.19
Home Equity Loans
Type Maximum Term APR* Monthly Payment per $1,000
80% LTV Fixed Rate - First Position 7 years 5.00% $14.13
80% LTV Fixed Rate - Second Position 7 years 5.75% $14.13
80% LTV Fixed Rate - First Position 15 years 5.60% $8.22
80% LTV Fixed Rate - Second Position 15 years 6.35% $8.63
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

Personal Loans
Type Maximum Term APR Monthly Payment per $1,000
Graduate Tuition 2 years as low as 4.71% $43.75
Personal Loan 1 year as low as 5.74% $85.97
Personal Loans 2 years as low as 7.80% $45.15
Personal Loans 3 years as low as 8.30% $31.49
Personal Loans 4 years as low as 9.30% $25.04
Personal Loans 5 years as low as 10.30% $21.41
Debt Consolidation 5 years as low as 13.24% $22.89
Share Secured 5 years 2.65% over dividend rate of shares pledged $17.82
Personal Line of Credit N/A 7.9% N/A
Visa® N/A 9.9% N/A