Loans

Apply for a loan today!

Auto Loans

Shopping for a new or used car or truck? You’ve already got plenty to think about: makes, models, optional equipment, colors, and so on. When it comes to financing, make it easy on yourself with an auto loan from River Town FCU. We have loans available for new and used cars and trucks. Our loans feature competitive interest rates starting at 1.9% and the kind of efficient, personalized service that only your credit union can provide.

Signature / Personal Loans

A personal loan from River Town Federal Credit Union can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation, or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events. Personal loans from River Town FCU come with low-interest rates, fast processing, and convenient repayment terms, as well as efficient, personalized service.

Visa Credit Cards

There are two types of River Town Federal Credit Union VISA® Cards:

  • Classic

  • Gold

Enjoy the benefits of a credit union VISA® Card:

  • VISA® is a widely accepted card worldwide

  • Higher limits

  • Low annual percentage rate

  • No annual fee

  • No cash advance fee

  • Access ATMs with a Personal Identification Number (PIN) worldwide

  • Cash advances made in the credit union office

  • Make your payments in the credit union office or make your payment online at www.ezcardinfo.com

  • Clear monthly statement

  • 24-hour touch-tone access to your account balance

Visa Credit Cards Visa Classic Visa Gold
Anual Percentage Rate for Purchases 12.90% (non-variable) 10.90% (non-variable)
Annual Percentage Rate for Balance Transfers or Cash Advances 12.90% (non-variable) 10.90% (non-variable)
Grace Period for Repayment of the Balance for Purchases 25 Days 25 Days
Method of Computing the Balance for Purchases and Cash Advances Average Daily Balance (including new purchases) Average Daily Balance (including new purchases)
Annual Fee None None
Minimum Finance Charge None None
Transaction Fee for Purchases None None
Late Payment Fee $20.00 $20.00

You must be 21 years of age to apply for the River Town FCU credit card.

To view a disclosure notice pertaining to our VISA® cards, you can click the online loan application, select VISA loan, and the disclosure is provided.

We do not discriminate on the basis of color, religion, national origin, sex, marital status, receipt of public assistance, or age (provided the applicant is old enough and otherwise has the legal authority to enter into a binding contract), and good faith exercise of rights under the Consumer Protection Act.

Share Secured Loans

With a River Town Federal Credit Union share secured loan, your deposit in a River Town FCU share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you’ll even continue to earn dividends on your savings! Share secured loans are an excellent way to build your credit score.

Home Equity Loans

If you have equity in your home, you can use it as collateral to take out a lower interest rate loan. You can use the money to fund a home upgrade, consolidate debt, buy a car, and more. With our Home Equity Line of Credit Loan, you can borrow funds as needed against a line of credit. The interest rate is variable. Borrow up to 80% of the equity of your home. Terms are from 5-10 years.

Email info@rivertownfcu.org to request a Home Equity Loan Application, or call 479-784-5600 for more information.

Motorcycle & Recreational Loans

Financing is available for both new and used street legal motorcycles.

Ready to add to your leisure-time fun with a boat, personal watercraft, camper, 4-wheeler or motor home? Let River Town FCU help you finance those dreams. We offer loans on new and used recreational vehicles. All our loans come with competitive interest rates and efficient, personalized service. When it’s time to stop dreaming and hit the road or the water, come to River Town FCU for your recreational vehicle financing needs!

All loan rates are quoted as an Annual Percentage Rate (APR).

Interest rates will vary depending on applicants’ credit score, credit history, and other factors.
Rates are subject to change. View our Rate & Fee Schedule.

Contact our Loan Department at (479) 784-5600 for more information on loans, or fill out an online Loan Application here.

We do not discriminate on the basis of color, religion, national origin, sex, marital status, receipt of public assistance, or age (provided the applicant is old enough and otherwise has the legal authority to enter into a binding contract).

Smart Option Student Loan®

Sallie Mae® student loans are designed for the needs of all types of students.

  1. Competitive interest rates

  2. Multiple repayment options

  3. No origination fees; no prepayment penalty