Recreational Vehicle Loans | RV | Redstone Federal Credit Union

Live Brighter®

and have some fun

Recreational Vehicle Loans

For camping, boating, cruising and more, we make the lending process simple and straightforward.

We offer loans for a wide variety of recreational vehicles, including motorcycles, motorhomes, ATVs, RVs, travel trailers, boats, and Jet Skis. With multiple ways to save and several financing terms to fit your budget, your recreation is within reach.

RECREATIONAL VEHICLE LOAN

100%

financing on new recreational vehicles

100% 

NADA book value financing on used recreational vehicles

$0

down payment required for qualified borrowers

Our Visa Signature card features additional exclusive benefits1, including

Entertainment

Access to pre-sales and discounts on tickets to sporting events

Preferred seating offers for select Cirque du Soleil shows

Travel

Incredible travel packages, savings, and upgrades

Premium benefits at prestigious hotels worldwide

Trip Cancellation (reimburses some unused fares)

Dining

Complimentary wine tastings at Sonoma County wineries

Savings at restaurants and gourmet retailers

Service

24/7 Visa Signature Concierge2  service, which includes:

Travel and dining arrangements

Entertainment and event tickets

Hospitality services

Savings

Special offers from select retailers with Visa Discounts**

Price Protection (reimburses the price difference of an item if you find it advertised for less within 60 days of purchase)

Why choose a Redstone Recreational Vehicle Loan? 

Redstone loans time saving icon

Save time

Receive on-the-spot financing at dozens of new and used dealers

Protect your investment through Redstone; we offer GAP Coverage and Mechanical Breakdown Protection (MBP) for your recreational vehicle

Easily apply for a loan through Online Banking

Save money

Get great rates every day

Open a Redstone Checking Account and you’ll get even better MemberPlus!* rates

Potentially save even more when you ask for the Redstone Rate at the dealership!

Ready to apply for a Recreational Vehicle Loan? It’s easy!

EVERY Redstone Visa credit card includes all of these features

Convenience

Quick and easy purchases Visa is accepted all over the world

24/7 U.S.-based, live-agent phone support includes emergency card replacement

Manage your account anytime with Redstone’s Online Banking

Security

Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

Identity theft assistance

Savings & Discounts

No annual fee

No Balance Transfer or Cash Advance fees

Visa Discounts on your purchases at select retailers**

Redstone Discounts!® when you use your card at many local businesses**

Additional Benefits    

Travel and Emergency Assistance

24-hour Roadside Dispatch service

Auto Rental Collision Damage Waiver insurance coverage for cars rented with your Visa card

Warranty Manager Service manage, use, and extend the warranties of eligible items purchased with your Visa card

Annual Percentage Rate = APR

Must be an RFCU® member to obtain any product or service.. Must be eligible for membership and open a share savings account in order to be a RFCU member. A $5 minimum balance is required to open and be maintained in share savings account at all times .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. Fixed APRs are fixed for the life of the loan.  Must have online banking user name and PIN/password to access online application.

*Must have an active RFCU checking account to participate in Redstone MemberPlus! Must not have caused RFCU a loss (certain exclusions apply) 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 and vary per 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.

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.
For recreational purposes only.

Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share savings account in order to join RFCU. Minimum balance of $5.00 is required to open share savings account and must be maintain in the share savings account at all times. All annual percentage rates (APR) are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Fixed APRs are fixed for the term of the 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.  Must have online banking username and PIN/password to access online application.

Visa Traditional Introductory Offers 

The Introductory 0% APR for purchases will apply through the end of the 6th billing cycle after the account is opened for all purchases posted to the account within the same period. The Introductory 0% Annual Percentage Rate for Balance Transfers will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. Standard fixed or variable APRs apply to Balance Transfers made after 30 days of account opening. Your introductory Purchase and Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APRs will revert to the fixed or variable APR in affect at the time.

Important Information about ‘Grace Period’ for the Purchase and Balance Transfers Visa Traditional Offers

Purchase 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Purchases made throughout the six-month promotional period from the date of account opening. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR(s) for any remaining balances for Purchases.

Balance Transfer 0% Introductory APR Offer: 

Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR (s) for any remaining balances. Cardholders may accrue finance charges at the standard variable or fixed APR(s) for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.

*As of February 1, 2017 , the APR for Visa Traditional (Fixed) is 18.00% APR and fixed for the term of the loan. 
As of February 1, 2017 , the Visa Traditional (Variable) has APRs as low as 7.50% , the Share Secured Visa APR is as low as 12.00% , APRs may vary. Please contact RFCU for more information.
**Promotional rates do not apply.

***The Share Secured Visa Traditional-Must be RFCU primary member to apply. No joint account owners or beneficiaries are permitted. Co-borrowers are not permitted. Up to three authorized users may be named. Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in account must equal credit limit, will not earn dividends, and must remain in the account. No withdrawals are permitted unless account is paid in full. No over-drafting allowed. Deposits are limited to initial deposit and approved credit limit increases. 

Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive discounts. RFCU and participating merchants are separate entities.  RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.

Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details. Visa’s Zero Liability policy covers U.S-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. RFCU and Visa USA are separate entities.  RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.

Card Control:

Must have compatible mobile device to use service.  Certain functions of the service may not be available for all transactions or at all times.  Controls and alerts based on the location of mobile device or location of merchant may not apply appropriately in some transactions and in some card-not-present transactions.

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FEATURED RATES

Balance transfer0% APR for 12 mos

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30-year fixed mortgage low 3.375% / 3.501%

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New auto loans as low as 2.35%

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Personal loans as low as 9.99% APR

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