Loans

Auto

Best For

Members who want to borrow money to purchase a new or used car, truck, or van.

Benefits

  • MemberPlus! special rates are available
  • Apply online, in-branch or at many local dealers
  • Various terms available

Recreational Vehicle

Best For

Members who want to borrow money to purchase a new or used motorcycle, RV, boat, personal watercraft, etc.

Benefits

  • MemberPlus! special rates are available
  • Apply online, in-branch or at some local dealers
  • Various terms available

Astro

Best For

Members who want a resource for preventing overdrawn checking accounts.

Benefits

  • Reduces fees on your checking account
  • No collateral required
  • Available funds are automatically transferred to pay a check

Signature

Best For

Members who want to borrow money for a specific amount for a specific time frame without collateral.

Benefits

  • Fixed and variable rate available
  • No collateral required

Secured

Best For

Members who want to borrow money by using their share account as collateral.

Benefits

  • Several options available
  • No penalty for paying loan off early

Stretch

Best For

Members who want a small-dollar, short-term loan without paying huge fees.

Benefits

  • Lower rate and fees than traditional payday lenders
  • Rebuild your credit through a reputable institution
  • No penalty for paying loan off early

Fixed Rate Mortgage

Best For

Redstone's basic mortgage is still one of our most requested.

Benefits

  • Competitive rates
  • Rate remains fixed
  • Easy to apply

80/10/10 Mortgage

Best For

Members wanting down payment flexibility.

Benefits

  • Finance 80% as first mortgage
  • Put down 10%
  • Finance 10% as second mortgage

Adjustable Rate Mortgage

Best For

Plans to move soon or want to pay off the mortgage early? This mortgage might be the one for you.

Benefits

  • Rate is fixed for a certain time, then gets adjusted
  • Several options available
  • Easy to apply

Construction/Permanent Mortgage

Best For

Great loan for members building custom homes.

Benefits

  • Max financing is 90% of the acquisition cost
  • One time closing cost
  • Easy to apply

Land Loan

Best For

Perfect loan for purchasing property.

Benefits

  • Competitive rates
  • Works great with the Construction/Permanent Mortgage
  • Easy to apply

Home Equity Line of Credit

Best For

A line of credit that's based on the equity in your home.

Benefits

  • Finance up to 100%
  • No annual or appraisal fees
  • No closing cost

Home Affordable Refinance Program (HARP)

Best For

Homeowners with Fannie Mae loans, previously unable to obtain a traditional refinance because the value of the home has declined

Benefits

  • Local servicing
  • Easy online application
  • Special program for those unable to get traditional refinancing

Annual Percentage Rate = APR

Must be an RFCU® member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed APRs are fixed for the life of the loan.

*MemberPlus! Discount—Must have an active RFCU checking account to participate in Redstone MemberPlus! Must be eligible for membership and open a savings account in order to open a checking account. A $5 minimum balance is required to open and be maintained in savings account. Must not have caused RFCU a loss in order to be eligible to open a checking account. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts. The deposit and balance amounts and the checking maintenance fees vary per checking account type. Please contact the Credit Union for more information about these amounts and fees. Age and other restrictions may also apply. MemberPlus! Discount not available for all loan products.

APR for new autos as low as 1.99% for up to 100% of purchase price, as of May 1, 2015. APR for used autos as low as 1.99% for up to 100% of NADA book value, as of May 1, 2015. APRs after Redstone MemberPlus! discount applied.

Purchase Price: MSRP + Dealer Adds (warranty, tax, title, doc, maintenance, road hazard, etc)

NADA Book Value: NADA highest value +/- options +/- mileage

Loans secured by new or used collateral are subject to the collateral's value at the time of the loan.

Calculators are provided by CalcXML. RFCU does not warrant, guarantee, or insure any service or information provided by CalcXML. RFCU and CalcXML are separate entities. The calculator may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Auto Loan APR as low as*

1.99%

Calculate Your Payments

Try our Auto Loan Calculators. They can help you decide how much you can afford to spend on a vehicle and what your payments will be.

Get the Best Deal on a Used Car

Download this Used Car Buying Guide for tips on negotiating, financing, getting the most for your trade-in, and more.

MemberPlus!

Your RFCU checking account gets you discounted fees, better rates on loans, share accounts, and more!

Learn More