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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.

Apply for Loan


Loans are approved based on your overall creditworthiness, including credit history, capacity to repay (debt to income ratio), stability of employment, residential history (current and previous), and collateral if applicable.

The process is easy. Here is what you need:


Repayment options include cash, check, bi-weekly/monthly transfer from checking or savings, or through your direct deposit or payroll deduction.


Personal 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 and when your loan will be paid off.

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. Vehicle must not be previously titled.

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.

View our current rates.  Apply Now!

Motorcycles, Boats, RV’s Loans

With terms up to 84 Months, you can enjoy a recreational vehicle at a low fixed rate. View Our Loan Rates »

Overdraft Line of Credit

Take the worries out of check writing by linking your checking to a 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.

  • 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 home equity options.

Learn more about your mortgage and home equity options as well as our current real estate loan rates,

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. The interest may even by tax deductible. Contact your tax advisor for details. Home Equity Application »

VISA® Credit Cards

REFCU offers a VISA Platinum Visa® Credit Card and a Secured VISA® card (for those of our members wishing to establish or re-establish credit). Learn more »


If you have questions, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.