Sometimes you just need a little extra cash
Get the money you need quickly to finance personal expenses.
Overview
Get the money you need, when you need it to pay for personal expenses without the hassle.
Rates*
View all RatesEstimate your monthly payment
Let's see what your monthly payment could be
Monthly Payment
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1
Step one
Complete an online application.
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2
Step two
Get approved.
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3
Step three
We'll deposit fund for you to use as you wish.
Why Choose RCU?
At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
Named one of America’s Best Credit Unions by Newsweek
Recognized by Forbes as one of America’s Best Small Employers 2023
Consolidate your debts
You may be able to lower your interest rate and know your repayment schedule up-front to help you repay your debts, boost your credit score, and start living the life you want.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Life can throw curve balls you didn't see coming
Getting a personal loan to cover expenses is easier than ever before.
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*Rates are effective December 21, 2024 and are subject to change without notice. Some restrictions may apply.
Rates
Personal loan online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can apply for a personal loan through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
All Highlights
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Fixed rates
Your rates will never change over time, so you can enjoy predictable monthly payments that won’t surprise you.
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Terms from 36-84 months
Flexible terms let you elect a monthly payment that works with your budget.
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Loan amounts up to $50,000
Feel confident with a personal loan that can cover almost any need.
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Use for any purpose
Whether you want to consolidate debt, make a purchase, or pay for an unexpected expense, a personal loan makes it easy to cover your costs.
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No annual fee
Save money and frustration on your loan payments with no annual fees, ever.
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No collateral needed
With good credit, you can get a loan with just your signature, no collateral necessary.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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