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Consumer Loans

Skip a Pay:
Feel the Thrill...Take a break and SLIDE right past your loan payment! That’s right – in November or December, RFCU members can choose to Skip-a-Pay on their loan. Certain Restrictions Apply*. Contact the credit union for the Skip-a-Pay form (or download one here) and complete details.

*Members must choose November or December to skip their loan payment. A fee of $35 applies to each loan skipped. Form must be submitted at least 5 business days prior to loan due date. Visa and Second Mortgage Loans not eligible. Loan must be at least three months old (three payments have been made), loan must be current / no late payments for the past six months, loan payments must not have been deferred for the past 12 months.


Loan Application:
Applying for a loan - any time of day - is easy! Once you have viewed our current rates, simply click here for an interactive loan application you can send directly to the credit union. Or, if you are in the area, stop in and we would be happy to provide you with a hard copy application. Once you have your application complete, drop by, email or fax us your most recent pay stub.

Want to see how much your payments might be? Use our online calculator to find out!


Vehicle Loan Program:
No matter your vehicle of choice, our Vehicle Loan Program always gives you a great ride:
On all new & used vehicle purchases, RFCU will: Match the Dealer Offered Rate!*
On all non-purchase, refinanced vehicle loans, RFCU will: Beat Your Existing Rate by 1%!*

Apply Now
* RFCU's Vehicle Loan Program is designed to save members money. However, the rate offered to each member will not go below the member's qualified rate. For complete details, contact the credit union.


Vehicle Loans:
With a vehicle loan from RESOURCES FCU, you have a money-saving alternative to high cost dealer financing or restrictive manufacturer financing terms. Whether you are in the market for a new or used vehicle, we offer a complete program to fit your specific borrowing needs. For used vehicles, be sure and take a look at the offerings from Enterprise Car Sales before shopping.

Plus, put yourself in the driver’s seat by getting pre-approved before you shop. You will know exactly how much you have to spend, what your payments will be, and be free to shop, hassle-free.


Personal / Signature Loans:
Personal or signature loans are a great alternative to revolving high interest rate credit cards for bill consolidation, large one-time purchases, or for any reason! Personal loans do not require collateral and are offered at competitive rates and terms. Personal loans can be used for any reason – Vacation, holidays, back to school, anything!


Share Secured Loans:
For the lowest interest rate, a loan may be secured or collateralized by shares in your savings account. Share secured loans are ideal for making purchases without depleting your savings. In addition, for members looking to rebuild damaged credit or establish new credit, our Share Secured loans can give you the fresh start you need.

Share secured loans are offered at certain rates above the current share rate. Best of all, you still earn dividends on the funds in your account – while being able to borrow against the balance at the same time! For current Shared Secured Loan rates click here!


Fresh Start: Credit Builder Loan

At Resources, we understand that unforeseen things can happen that may negatively affect your credit score – that is why we offer a Credit Builder Loan.  Here is how it works:

  • Loan advance of $500-$1500
  • Special rate of 6% APR
  • Loan proceeds are placed in a secure Credit Union account until loan is paid in full
  • Upon repayment, funds are dispersed to the member
  • Term of loan not to exceed 12 months
  • Member benefits from building/rebuilding credit score and increase savings

Resources FCU reserves the right to approve or deny members of Credit Builder Loan based on credit union guidelines.


TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


Guaranteed Asset Protection (GAP) Plus
GAP Plus is a low-cost coverage in the event your vehicle is totaled or stolen:

  • Pays your insurance deductible up to $1000
  • Pays off any remaining loan balance, and,
  • Gives you a $1000 credit towards the purchase of your next vehicle

The valuable service is available to RFCU members for a one-time cost of $250 and can be purchase at the time of financing/refinancing, or any time thereafter.

Mechanical Repair Coverage (MRC)
MRC helps pay for covered repairs on your vehicle when that unexpected breakdown occurs, just like a traditional warranty you would purchase from a dealer. Each plan is based on your needs, and for a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars.

Credit Life Insurance
Afforded to our members through Members Choice, Credit Life Insurance is a voluntary form of payment protection designed to pay off an outstanding loan balance in the event a covered member dies before the loan is repaid, up to the policy maximum. For RFCU members, Credit Life Insurance coverage provides protection on your loan(s) up to $30,000.

Credit Disability Coverage
Member's Choice Credit Disability is voluntary coverage that makes a member's loan payment, up to the policy maximum, should they become totally disabled due to a medically-determined sickness or accidental bodily injury. For RFCU members, Credit Disability Insurance provides protection on your loan(s) up to a maximum, of $600 per month if you become totally and continuously disabled through sickness or accident for more than 30 days, with benefits beginning of the 31st day.


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Skip a Pay
Loan Application
  Vehicle Loan Program
  Vehicle Loans
  Personal / Signature Loans
  Share Secured Loans
  Additional Services
  Members® Auto Insurance

This credit union is federally insured by the National Credit Union Administration.
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