Personal

LOANS

Local Lending You Can Trust

Our personal loans offer a simple, affordable way to cover life’s everyday needs. Whether you’re consolidating debt, handling unexpected expenses, making home improvements, or planning a special purchase, our personal loans provide flexible funding with predictable monthly payments.

As a credit union, we put members first—offering competitive rates, local service, and lending you can trust.

Unsecured Loans

Unsecured loans from RCCU gives you quick access to cash without using your home or vehicle as collateral. Enjoy competitive rates, straightforward terms, and payments you can count on—all designed with our members in mind.

Secured Loans

Secured loans from RCCU help you save with lower rates by using collateral you already own. We offer both certificate‑secured loans and share‑secured loans, giving you a smart way to borrow while continuing to build your savings.
Loan Rates
Loan Type APR*
Personal Loan 10.00%
Share Secured Loans Rate of Shares + 3.00%
Share Certificate Secured Rate of Certificate + 3.00%
All loans on approved credit, rates are listed above for members with an A+ (750 or higher) credit score based on information obtained from a current credit report. Rates will be risk-rated dependent on credit score and may be higher than disclosed above. Base rate is .15% over A+ above referenced rate.

*APR= Annual Percentage Rate

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