One of the greatest advantages of REFCU membership is our complete line of low-rate loans. We have financing for almost anything you desire and flexible payment options.
APPROVAL CRITERIA
Loans are approved based on your overall creditworthiness, including credit history, capacity to repay (debt ratio), stability of employment, residential history (current and previous), and collateral if applicable.
The process is easy. Here is what you need:
REPAYMENT OPTIONS
Repayment options include cash, check, bi-weekly/monthly transfer from checking or savings, or through your direct deposit or payroll deduction.
LOAN TYPES
 Unsecured Loans*
Apply for a low-rate personal loan from REFCU, and use the money to buy appliances, a new computer, or your dream vacation, just to name a few.
Unlike your credit card, a personal loan gives you the comfort of knowing what your payment will be like and when your loan will be paid off.
* Must meet Credit Union Lending criteria.
New Auto Loans
Is your car turning into a collector item? Are you tired of repair expenses? Maybe is time to get a new car. Let us finance it!
At REFCU we finance any new vehicle* up to 100% of its MSRP or Retail Value according to KBB (Kelly Blue Book) or NADA. If your loan is currently serviced elsewhere, refinancing at our great rates could save you money.
Up to 100% financing is available to qualified.
* Vehicle of the previous model year with fewer than 3,000 miles can be financed as a new vehicle.
Used Car Loans
Looking for an affordable car to use on a road trip? Maybe you're looking for a sports car to cruise the town, or you just need to get to work. Whatever your reason for getting a used vehicle, let Rockland Employees Federal Credit Union help with the financing.
For our current rates, please click here.
Motorcycles, Boats, RV’s Loans
With terms up to 84 Months, you can enjoy a recreational vehicle at a low fixed rate. See Loan Rates>>
Overdraft Line of Credit
Take the worries out of check writing by linking your checking to your savings or Personal Line of Credit, to ensure that your checks will be honored.
Share Secured Loans
Our Share Secured Loan allows you to borrow against your savings, while still earning dividends on your money.
Benefits:
- Rates lower than any other loan product
- Continue to earn dividends on your pledged funds
- Convenient payment options
- Repay your loan timely and you will be on your way to establish good credit.
Share Certificate Secured Loans
This loan offers another way to access funds without dipping into
your savings. Borrow up to 100% of your Share Certificate balance
and enjoy a low rate.
Buying a home is a big step. You need a lender you can trust and who will work with you through the process. That lender is REFCU. We can finance or refinance your home and help you make the most of your equity with our affordable range of mortgage and equity options.
To check on our current real estate loan rates, click here.
For more information, call our underwriters at 1-800-342-4998.
Home Equity Loan (Fixed rate)
Consolidate your bills, make that needed repair to your home or pay for college tuition with a low rate REFCU Home Equity Loan. You can borrow up to 80% of the equity in your home. The interest may even by tax deductible. Contact your tax advisor for details.
REFCU offers you a choice of Platinum, Gold or a Classic Visa Card. We even offer a Secured Visa Card for those of our members wishing to establish or restablish credit. Learn more>>
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