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Loan Rates
The right loan to fit your needs.

The Red River Credit Union is pleased to offer great rates on automobiles, including recreational vehicles (boats, jet skis, ATVs, and motorcycles) and repossessed vehicles with the following features:

  • Quick approvals
  • Convenient eSign
  • Multiple payment options
  • Low cost payment protection, warranty and GAP options to save you money

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Rates Effective: 04/24/2019

  • AUTO LOAN RATES

    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%

    *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.

    **APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

  • RECREATIONAL VEHICLES (BOAT, JET SKI, ATV, MOTORCYCLE)

    Loans under $25,000

    Loan Type

    Term*

    APR As Low As*

    New

    up to 60 months

    4.49%

    Used

    up to 60 months

    4.89%

    Loans over $25,000

    Loan Type

    Term*

    APR As Low As*

    New

    up to 144 months

    7.29%

    Used

    up to 144 months

    7.79%

    *APR = Annual Percentage Rate. Rate and term based on credit score and new or used model. Rate subject to change without notice. With Approved Credit.

  • REPO RATE

    All Year Models are 4.05% APR* Extended terms are available.

    *APR = Annual Percentage Rate. Rate subject to change without notice. With Approved Credit.

    Apply Now

  • Unsecured Loans Rates

    Loan Type

    Term*

    APR As Low As*

    Unsecured

    up to 60 months

    13.30%

    Money Line / Line of Credit 

     

    11.30%

    *APR = Annual Percentage Rate. With Approved Credit. Rates subject to change without notice.

    Apply Now

  • CREDIT CARDS: VISA OR MASTERCARD

    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

    *APR=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. If payment is late once or otherwise in default during the 6-month introductory-rate period, the 4.9% introductory rate will adjust to the variable rate of 4.9% - 17.9% based on credit score and will vary with the market based on the Prime Rate Index. Rates are subject to change without notice.

     

    Apply Now

    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.

  • CONSUMER HOME IMPROVEMENT RATES

    Loan Type

    Term*

    APR As Low As**

    Up to $10,000

    up to 60 months

    6.75%

    $10,000-$15,000

    61-84 months

    7.25% 

    * APR=Annual Percentage Rate. With approved credit. Rate based on term and credit score.

    ** Rates subject to change.

    Contact us for details.

*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.

**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.