- Secured
- Unsecured
- Home Improvement
- Credit Cards
Auto Loan
- Low rates
- Quick approvals
- Convenient eSign
- Multiple payment options
- Low cost payment protection, warranty and GAP options to save you money
Current Members can apply online.
Not a Member? It's easy to Join.
See if you're eligible & open an account.
Auto Loan Purchase
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| New 2019 | up to 72 months | 3.89% |
| 2018 | up to 72 months | 3.89% |
| 2017 | up to 72 months | 4.39% |
| 2016 | up to 72 months | 4.39% |
| 2015 | up to 48 months | 4.89% |
| 2014 & Older | up to 36 months | 5.39% |
Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle) over $25,000
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| New | up to 144 months | 7.29% |
| Used | up to 144 months | 7.79% |
Repo Rate
All Year Models are 4.05%* Extended terms are available.
Share Secured, Certificate Secured, & Credit Builder Loans
- Low rates
- Quick approvals
- Convenient eSign
- Multiple payment options
- Low cost payment protection, warranty and GAP options to save you money
Secured Loans
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| Share Secured | up to 60 months | 2.25% |
| Credit Builder | up to 12 months | 2.25% |
| Certificate Secured | up to 12 months | 2.00% Above Certificate Rate |
| Money Market Secured | up to 60 months | 2.25% |
*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2016 year model or newer - $17,000 minimum. Rates Effective: 02/20/2019
**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
Consumer Loans
Our consumer loans are tailored to your individual
needs. Whether you're looking for a convenient way
to cover unexpected expenses or planning
a large purchase, we can help.
- Multiple payment options
- Great way to consolidate
- Quick approval
- Convenient E-Sign
- Low cost payment protection
Current Members can apply online.
Not a Member? It's easy to Join.
See if you're eligible & open an account.
Unsecured Loans
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| Unsecured | up to 60 months | 13.30% |
| Money Line / Line of Credit | 11.30% |
*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2014 year model or newer - $17,000 minimum. Rates Effective: 02/20/2019
**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
Home Improvement Loan
- Up to $15,000
- Low rate
- No closing cost
- No inspection
- No equity needed
Current Members can apply online.
Not a Member? It's easy to Join.
See if you're eligible & open an account.
A few things will be needed to get you qualified for your home improvement loan.
- Individual applicant must have a credit score of 700 or higher, joint applicants must average 700 or higher with neither being under 660.
- Proof of employment for 4 years.
- Income verification with W-2 and pay stub dated within the last 30 days. If you are self-employed, you must provide the last two years tax returns. For those who are retired or on social security, verification must be made by a third party such as a social security letter or retirement award letter. Income may be verified though RRCU direct deposit.
- Proof of residence for 4 years or home ownership of 4 years prior to current residence. Copy recorded Warranty Deed on present residence.
- List of improvements or work estimates. Loan may not exceed the total amount of improvement estimates provided by the member.
Consumer Home Improvement
| Loan Type | Term* | APR As Low As** |
|---|---|---|
| Home Improvement | up to 60 months | 6.75% |
| $10,000-$15,000 | 61-84 months | 7.25% |
*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2014 year model or newer - $17,000 minimum. Rates Effective: 02/20/2019
**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
Visa and Master Card
Enjoy low rates and great terms with our credit cards. You'll love the convenience they offer and the secure feeling that comes with a Red River Credit Union card. Whether you're planning your dream vacation, managing your household finances, or building strong credit for the future, at Red River Credit Union we offer the credit card to meet your needs.
- Introductory Rate of 4.9% APR for 6 Months*
- Choose from MasterCard or Visa
- No Annual Fees
- Low Interest Rates
- Minimal Service Fees
Current Members can apply online.
Not a Member? It's easy to Join.
See if you're eligible & open an account.
*Introductory Annual Percentage Rate. 4.9% Introductory rate for the first six months, with approved credit. After that, the APR will be 4.9% to 17.9%, based on your creditworthiness, and will vary with the market based on the Prime Rate Index.
**Annual Percentage Rate. Rate will not increase while open
Report a Lost or Stolen Credit Card
To place a block on your credit card during regular business hours, contact RRFCU's Call Center at 903-735-3000 or 800-822-3317. After business hours, weekends, or holidays, call the Vantiv Fraud Protection Center at 800-820-8450 and select Option 2.
