Loan Rates

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Get the Rate You Deserve

Nothing is more valuable to us than our members.  That’s why we offer competitive, money-savings rates on all of our loan products.  Get access to the money you need to consolidate debt, make home improvements, purchase or refinance a vehicle and more.

All rates current as of April 2017
PRODUCT APR* TERM
New Vehicles (2016-2017) 2.84% 1-36 months

New Vehicles (2016-2017)

3.04% 36-63 months

New Vehicles (2016-2017)

3.14% 64-66 months

New Vehicles (2016-2017)

3.24% 67-72 months

New Vehicles (2016-2017)

3.64% 73-78 months
Used Vehicles (2015-2016) 2.94% 1-36 months

Used Vehicles (2015-2016)

3.14% 37-63 months

Used Vehicles (2015-2016)

3.44% 64-66 months

Used Vehicles (2015-2016)

3.84% 67-72 months

Used Vehicles (2015-2016)

4.14% 73-75 months
Vehicles (2013-2014) 3.04% 1-36 months

Vehicles (2013-2014)

3.24% 37-60 months

Vehicles (2013-2014)

3.64% 61-66 months

Vehicles (2013-2014)

3.94% 67-72 months
Vehicles (2011-2012) 3.34% 1-36 months

Vehicles (2011-2012)

3.54% 37-60 months

Vehicles (2011-2012)

3.84% 61-66 months

Vehicles (2011-2012)

4.14% 67-72 months
Vehicles (1997-2010) Call for Rates Call for Terms

*APR = Annual Percentage Rate. Rates shown are “as low as” rates and are based on term of loan and creditworthiness.  Other rates and terms are available.  All loan approvals are subject to normal underwriting guidelines.  All rates are subject to change without notice.  Minimum amount financed is $5,000. APR shown includes total possible discounts of .75% on 1-36 month terms from 2009 to present.  All other terms show total possible discounts of .55%.  Please speak with your Loan Officer to determine all you are eligible to receive. To receive the lowest rate listed which reflects .75% off, loan payment must be automatically deducted from a Riverset checking account and other requirements met.  Speak with your Loan Officer for more information.
*Vehicles are considered "new" with less than 6,000 miles

PRODUCT APR* TERM
Fixed Rate – First Lien 3.25% 0-60 months

Fixed Rate – First Lien

3.65% 61-120 months

Fixed Rate – First Lien

3.95% 121-144 months

Fixed Rate – First Lien

4.20% 145-180 months

Fixed Rate – First Lien

4.50% 181-240 months
Fixed Rate – Second Lien 4.10% 0-60 months

Fixed Rate – Second Lien

4.30% 61-120 months

Fixed Rate – Second Lien

4.40% 121-144 months

Fixed Rate – Second Lien

5.05% 145-180 months

Fixed Rate – Second Lien

5.35% 181-240 months

*APR = Annual Percentage Rate. Rates shown are “as low as” rates and are based on term of loan and creditworthiness.  Other rates and terms are available.  All loan approvals are subject to normal underwriting guidelines.  All rates are subject to change without notice.
PRODUCT APR* TERM
Personal Loan – Unsecured* 8.25% - 16.50% 12-72 months
Share Secured Loan** 4.75% 1-36 months

Share Secured Loan**

5.75% 37-48 months

Share Secured Loan**

6.25%  49+ months

 

   
Share Certificate Secured***   Certificate Rate + 4.00%

*Minimum Unsecured signature loan equals $2,000. Unsecured signature loans ranging from $2,000-$4,999 will be financed at a flat rate of 15.75% for term 12-36 months; $5,000-$15,000 for terms 12-60 months; $15,001 + 61-72 months. Low end of range shown may include the rate given to members with an 'A+' credit score (750 & up). Your actual APR or APY may vary based on a review of your credit application. Rates shown here reflect a .25% rate reduction for automatic payment from a Riverset Checking Account. Quarter-percent rate reduction is currently given on Auto Loans and Unsecured Signature Loans.
**Share Secured - Minimum loan amount is $750; Minimum Payment is $50.00
***Share Certificate Secured - M
inimum loan amount is $750; Minimum Payment is $50.00; The Annual Percentage Rate (APR) is based on the dividend rate being paid on the certificate offered as security plus 4.00 percentage points. Term is up to one month prior to certificate's maturity date.

PRODUCT APR* REWARDS
PayBack VISA® Credit Card 10.24% - 17.99% 1% on ALL PURCHASES
Share Secured VISA® Credit Card 17.99% 1% on ALL PURCHASES
PayBack PLUS VISA® Credit Card 17.99% 2% on ALL PURCHASES

*APR = Annual Percentage Rate. Rates shown are “as low as” rates and are based on term of loan and creditworthiness.  Other rates and terms are available.  All loan approvals are subject to normal underwriting guidelines.  All rates are subject to change without notice.  Riverset PayBack Visa® Consumer Credit Card Agreement can be viewed here.

Switch your Direct Deposit

Many bank customers are becoming increasingly frustrated with the litany of fees their banks are charging, as well as the difficulties often associated with obtaining a loan. Riverset Credit Union represents an alternative to banks and provides solutions to common complaints about traditional banking institutions. Not for profit, not for charity, but for service. Bring your Direct Deposit to a Riverset Simple Checking account and do better than a bank.

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I have abandoned traditional banks. I only use credit unions, primarily Riverset. The shared banking option is perfect for when I am traveling.

Carol