Signature & Secured Loans | Personal | Redstone Federal Credit Union

For your wants, needs, and lifelong dreams, a personal loan from Redstone can help you achieve more. Whether you choose to borrow with or without collateral, we offer a variety of options so you can move forward and reach higher.

Secured Loan (with collateral)

Our Secured Loan allows you to use your Redstone Savings Account, Certificate, or Annuity as collateral, and you may get a lower rate.

Signature Loan

You can be sure you’re getting a great rate on a Redstone Signature Loan. You won’t need any collateral, and you have your choice of a fixed or variable APR. Take a dream vacation, pay for medical bills, consolidate your debt—there are so many options. A Signature Loan makes your next step possible. Our Signature Loan requires no collateral and you can borrow up to $50,000.

Why choose a Redstone Signature Loan?

Your choice of fixed or variable rate
Even better MemberPlus! Rates* are available when you open a Redstone Checking Account
No collateral required

Secured Loan

You may be able to get a better rate on a loan when you use your Redstone Savings Account, Certificate, or Annuity as collateral.

A Secured Loan gives you the freedom to fund anything you want without having to dip into your savings or withdraw your certificate. The money in your account or certificate will continue to earn dividends, and you get a great low rate.

We offer loans secured by your Redstone Savings Account, Certificate, and Annuity. Which one is right for you?

Share-Secured Loans

Variable rate based on share rates

Secured by your Regular Savings Account only

Certificate-Secured Loans

Finance up to certificate amount

Fixed rate based on certificate rates

Loan term not to exceed certificate maturity

Annuity-Secured Loans

Finance maximum 90% of annuity amount

Fixed rate

Annual Percentage Rate = APR
Must open a share savings account in order to be a member of RFCU® and obtain any product or service. A $5 minimum balance is required to open and must 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. Your APR may be different. Fixed APRs are fixed for the life of the loan and variable APRs are subject to change after consummation. Must have online banking user name and PIN/password to access online application.

*Rate after Redstone MemberPlus! Discount is applied—otherwise the Non-MemberPlus fixed APR applies. Contact RFCU for more details about Non-MemberPlus APRs. 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. 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 and 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.