Buy the car you need with a loan you can afford
Get a car loan that works for your budget.
Overview
Feel confident buying the car you need with a payment that’s just right for you.
Rates1
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1
Apply online
An online application takes only a few minutes.
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Get approved
Find out if you're approved for a vehicle loan.
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Buy your next vehicle
We'll send the funds directly to the dealership or branch nearest you to purchase from a private party.
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
The Homem family shares why they use RCU Auto Services when buying a car.
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Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
It's easy to buy the car you need
Get an auto loan with low rates and flexible terms to fit your unique budget.
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1Rates effective December 21, 2024. All rates, terms and special offers subject to change. Certain restrictions apply. Payment sample: 60 mo. term per $1,000 borrowed: $17.62 at 2.29% APR.
2RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.
3Insurance products are not deposits of RCU and are not protected by NCUA. They are not an obligation of or guaranteed by RCU and may be subject to risk. Any insurance required as a condition of an extension of credit by RCU need not be purchased from RCUIS and may be purchased from an agent or an insurance company of the Member’s choice. RCUIS is a wholly-owned subsidiary of RCU. Business conducted with RCUIS is separate and distinct from any business conducted with RCU. License no. 0D91054. NPN 7612227.
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(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can apply for a 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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Low rates
RCU provides better rates than most other financial institutions. Get the car you need without spending a fortune on a loan.
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Terms up to 84 months1
Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months.
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Car-finding services2
Searching for your dream car is easy with our concierge car-finding service, RCU Auto Services. We’ll help you find the perfect car for your needs without the hassle, or you can perform a direct dealer search through AutoSMART.
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RCU Insurance Services3
Get car financing and insurance protection from one vendor for a convenient car-buying experience.
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Shop pre-owned vehicles
Get your auto loan and car from the same vendor for unmatched convenience. Find your next vehicle using AutoSMART, a trusted place to shop for used cars.
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Mechanical breakdown protection (MBP)
Don’t let a mechanical failure hurt your budget. Protect your wallet from breakdowns with RCU’s mechanical breakdown protection.
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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