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Loan Rates

Promotional Auto and RV Loan Recapture (10 Years or Newer)
Term Rate/APR as low as1
0-42 Months 3.24%
0-54 Months 3.24%
0-66 Months 3.24%
0-78 Months 3.24%
0-84 Months 3.24%

*Rates effective 02/01/2023

**With the ALR loan promotion, we will discount your existing RV or auto rate at another lender by up to 1% APR1.

Promotional Personal Loan Recapture
Term Rate/APR as low as2
0-42 Months 5.99%
0-54 Months 5.99%
0-66 Months 5.99%
0-78 Months 5.99%
0-84 Months 5.99%

*Rates effective 02/01/2023

**With the ALR personal loan promotion, we will discount your personal loan rate at another lender by up to 1% APR2

New and Used Auto Purchase or Refinance (5 Years or Newer
Term Rate/APR as low as3
0-42 Months 3.74%
0-54 Months 4.24%
0-66 Months 4.74%
0-78 Months 4.99%
0-84 Months 5.24%

*Auto rates effective 02/01/2023

Used Auto Purchase and Refinance (2013-2017)
Term Rate/APR as low as4
0-42 Months 5.24%
0-54 Months 5.49%
0-66 Months 5.74%
0-78 Months 5.99%
0-84 Months 6.24%

*Auto rates effective 02/01/2023

New & Used RV Purchase and Refinance
(RV's, Campers, Watercraft, Motorcycles 5 Years or Newer)
Term Rate/APR as low as5
0-42 Months 5.49%
0-54 Months 5.74%
0-66 Months 5.99%
0-78 Months 6.24%
0-84 Months 6.49%
0-120 Months 6.74%
0-144 Months 6.99%

*RV rates effective 02/01/2023

Used RV Rates Purchase or Refinance
(RV, Campers, Watercraft, Motorcycles 2013-2017)
Term Rate/APR as low as6
0-42 Months 6.49%
0-54 Months 6.74%
0-66 Months 6.99%
0-78 Months 7.24%
0-84 Months 7.49%
0-120 Months 7.74%
0-144 Months 7.99%

*RV rates effective 02/01/2023

HELOCs (Home Equity Lines of Credit)
Term Rate/APR as low as7
Up to 15 years Prime rate plus .50%

HELOC Rates Effective 02/01/2023

Credit Cards Rates
Card Type Rate/APR as low as8
Platinum 7.90%
Gold 8.90%
Classic 9.90%
Secured 7.90%

Credit Card Rate Rates Effective 02/01/2023

Line of Credit (LOC)
Type Rate/APR as low as9
Line of Credit 7.74%
Checking Line of Credit (LOC) 12.99%
Personal Loan Rates
Term Rate/APR as low as10
0-42 Months 7.74%
0-54 Months 7.99%
0-66 Months 8.24%
0-78 Months 8.49%
0-84 Months 8.74%

Additional Rate Disclosures* 

  • *APR = Annual Percentage Rate
  • The advertised rates can vary based on creditworthiness, age of collateral, loan term, rate reduction discounts, and our internal lending criteria which means your rate may be higher. Not all borrowers will qualify.
  • All loans and terms are subject to credit approval. Rates and terms subject to change without prior notice.
  • Please ask about available rate reduction discounts. Down payment rate reduction only available for purchases.  Rate reduction discounts may not be combined, restrictions apply.
  • Existing Credit Union of Richmond loans are not eligible for these offers. 
  • Regardless of available discounts, total rate reduction may not result in a rate lower than the best possible floor rate. 
  • Any collateral older than ten model years will be priced at personal loan rates.
  • Your actual rate will be determined at time of application, and may be higher than the lowest advertised rates.

1Auto loan recapture is a promotional loan which is subject to end without prior notice. The listed APR reflects a rate reduction up to 1% for vehicles that are refinanced from another lender. With this rate reduction, we will match your existing term, and discount your current auto or RV loan rate by up to 1% APR. Total rate reduction may not result in a rate lower than our best possible floor rate.

Payment example: Used auto loan of $25,000 for 42 months at 3.24% APR will have a monthly payment of $631.34.

2The listed APR reflects a rate reduction up to 1% for personal loans that are refinanced from another lender. With this rate reduction, we will match your existing term, and discount your existing personal loan rate by up to 1% APR. Total rate reduction may not result in a rate lower than our best possible floor rate. The lowest possible rate is 5.99% APR. Other restrictions may apply.

Payment Example: A loan amount of $5,000 for 36 months has a payment range from $152.49 to $182.18 and finance charge range from $489.55 to $1,558.37.

3The listed APR reflects a new auto purchase, top-tier credit, and maximum rate reduction discount of .50% APR with 20% down payment. Refinances are excluded from down payment rate reduction discount.

**New Autos: 2022 and 2023 with 3,500 miles or less.

Payment example: New auto loan of $25,000 for 42 months at 3.74% APR will have a monthly payment of $637.03.

4The listed APR reflects a used auto purchase, top-tier credit, and maximum rate reduction discount of .25% APR with 20% down payment. Refinances are excluded from down payment rate reduction discount.

Payment example: Used auto loan of $25,000 for 42 months at 5.24% APR will have a monthly payment of $654.30.

5The listed APR reflects a new RV purchase, top-tier credit, and maximum rate reduction discount of .50% APR with 20% down payment. Refinances are excluded from down payment rate reduction discount.

**New RV: 2022 and 2023 with 3,500 miles or less.

Payment example: RV loan of $25,000 for 42 months at 5.49% APR will have a monthly payment of $657.20.

6The listed APR reflects a used RV purchase, top-tier credit, and maximum rate reduction discount of .25% APR with 20% down payment. Refinances are excluded from down payment rate reduction discount.

Payment example: Used RV loan of $25,000 for 42 months at 6.49% APR will have a monthly payment of $668.91.

7Prime is defined as the "US Prime Rate - Latest" published under "Interest Rates" in the Wall Street Journal. Existing loans are subject to rate changes semiannually. Actual rates may vary and are based on a credit score and other factors such as CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may vary. Please contact the credit union for additional terms and conditions.

*Up to 80% Loan-to-Value (LTV)

8All rates shown are the credit union's lowest possible rates for well qualified borrowers, so your rate may vary. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, and subject to change.

Credit Card Agreement and Disclosure Statement

9All rates shown are the credit union's lowest possible rates for well qualified borrowers. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. All rates are subject to change. Late payment fees may apply. Your amount may vary based on credit qualifications. Checking LOC has a $3 transfer fee for all transfers not completed by the member.

Repayment terms of 3% of outstanding balance or $25, whichever is greater.

10Rates and loan approval are based on creditworthiness and our internal credit criteria, so your rate may be higher. Not all borrowers will qualify.  Minimum or maximum loan amounts and credit limits apply.  Other restrictions may apply. All offers and rates are subject to change without further notice.

Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156.60 to $182.14 and finance charge range from $637.54 to $1,556.96.