Auto Loan Rate Sale
Take advantage of discounted rates now through March 31.
Overview
Accelerate your savings with discounted rates during our Auto Loan Rate Sale!1 Buy new or used at a dealership, through a private party, or refinance an existing loan from another lender. Hurry! This offer ends March 31.
Rates2
View all ratesEstimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
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Apply online
An online application takes only a few minutes. Apply by February 29th to be eligible for the rate discount.
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Get approved
Find out if you're approved for a vehicle loan.
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Finalize your loan
We'll send the funds directly to the dealership, your current lender, or branch nearest you.
Additional Services
Auto Loan Education
Is your auto loan knowledge road ready?
When it comes to buying a car, knowing your options and what you can afford is critical. That is why we have collected these helpful resources and articles to help you make an informed decision.
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.
Best in State Credit Union by Forbes Magazine
Rated 6th healthiest credit union in the US by Glatt Consulting HealthScore in 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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1Discount effective 2/1/23 through 3/31/23. Rates, terms, and special offers subject to change. Discount for purchases and refinances of existing loans from another lender. Restrictions may apply.
2Rates are effective May 2, 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: $18.96 at 5.19% APR.
3RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.
4Insurance 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.
5Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All Rights Reserved.
Financial tips
For more helpful money tips, resources, and more, visit our Financial Wellness page.
Rates
New & Used Auto Rates
Auto Loan Rate Sale
Enjoy a 0.25% rate discount, now through March 31.
Calculator
Monthly Payment
Auto loan online application
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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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 months2
Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months.
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Car-finding services3
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 Services4
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.
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Protection for your vehicle loan5
If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan than your auto insurance will cover. You can avoid this situation with Guaranteed Asset Protection (GAP) Plus with Deductible Assistance.
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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