Save money on gas and drive greener
Apply for a hybrid or electric vehicle loan that helps you save money and be good to the environment.
Auto Loan Sale
Through 3/31, take advantage of 0.75%* APR off your next auto purchase or refinance (and an additional 0.25% off EV/hybrid vehicles).
Rates*
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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.
Additional Loans & Services
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.
Be kind to the planet and your budget with a hybrid vehicle loan
Do your part to help the environment, and save money at the same time. Apply for a hybrid or electric vehicle loan and get a great rate on a car you love.
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*Discount effective 2/1/24 through 3/31/24. Rates, terms, and special offers subject to change. Discount for purchases and refinances of existing loans from another lender. Restrictions may apply. Rates are effective October 29, 2024 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos must be 15 years old or newer and may be financed up to 125% KBB value, depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.47 at 6.29% APR.
**Insurance 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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Not a Member?
Begin your loan application. Review our Membership requirements below to determine if your are eligible.
Already a Member?
Log in to RCU online banking to start your prefilled application.
You can become a Member of RCU if you meet any of the following:
- 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.
Already applied in person or over the phone?
To check the status of your loan, view any loan conditions, or to upload any requested documents.
All Highlights
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Receive a 0.25% loan discount
Save money while saving the environment. Purchase a qualifying hybrid or electric vehicle and we’ll give you 0.25% off the interest rate.
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Terms up to 84 months
Enjoy flexible loan repayment options, such as terms lasting up to 84 months.
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Convenient auto insurance**
For even more convenience, insure your car through RCU Insurance Services so you can easily manage your loan and policies through online banking or the mobile app.
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Fixed monthly payments
Fixed monthly payments give you peace of mind knowing your payments will not change over the life of the loan.
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Low interest rates*
Low interest rates make it even easier for you to afford a hybrid or electric vehicle you’ll love.
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Mechanical breakdown protection (MBP)
With any car loan, you have the option of mechanical breakdown protection to help cover the expense of unexpected repairs.
Rates
New & Used Auto Rates
Auto Loan Rate Sale through March 31st, 2024
Take advantage of 0.75% APR off your next auto purchase or refinance (and an additional 0.25% off EV/hybrid vehicles).
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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