Loans

Loans

At River Town Federal Credit Union you have several consumer loan options. You can apply for a loan at the time you become a member of the credit union. There is a loan application fee on the initial and updated loan applications. Click here to see our fee schedule.

All loans are open end type loans. This means you apply once and periodically update your application, but there is no need to complete a new application for additional loans once you have completed the LoanLiner application. Click here to apply online. VISA credit card applications are not available online. Pick one up at the credit union or call 479-784-5600 and ask for the loan department to request one by mail.

Different terms are available depending upon the type of loan. Minimum monthly payments are $35.00 per month. Loan rates are set by the Board of Directors and are subject to change. Click here to see current rates. For your convenience, your loan payment can be made through payroll deduction or as a distribution of a direct deposit. Cash payments are available and can be made in person or by mail.

We offer a variety of loans to fit our member's needs:

Home loans
Line of credit
Home equity - Click here for disclosures
Auto loans
Share secured
Certificate secured
Boat
Recreational vehicles
Motorcycle
Camper

Loan protection insurance is provided at no direct cost to borrowers. Credit disability insurance is optional for the member/borrower. Click here to learn more about Loan Protection Insurance.

All rates are subject to change by the Credit Union Board of Directors.

New or 1 year old model cars for 72 months with 100% financing must be for $20,000 or greater

Used cars for 60 months with 100% financing must be $15,000 or greater.