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Personal Loans & Overdraft Lines of Credit

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RFCU Personal (Signature) Loan

A personal loan may be granted to members whose credit worthiness qualifies them to borrow money based on only their signature. Our signature loans are granted for almost any valid purpose such as debt consolidation, an unexpected expense, vacation purposes, etc.

RFCU Share or Certificate Secured Loan

Members may wish to borrow against the funds in their RFCU share or certificate account. The amount of the loan request will be held in the account which will continue to earn dividends. Members are able to both retain their funds and borrow at a reduced rate. As the loan balance decreases, those funds are then made available for the member’s use.

RFCU Overdraft Protection Line of Credit

A RFCU personal line of credit is designed to protect your checking account from embarrassing overdrafts, while giving you increased access to pay bills, make purchases or just tide you over until payday. Funds are automatically transferred from your overdraft line to cover ATM/debit transactions, checks or electronic payments. There are no transfer fees, however, you are charged interest daily on the money that you use, for however long you use it. The quicker you pay back the money, the less it will cost you.  When you use your line of credit, payments are due on the 25th of each month.

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