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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.
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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!
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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.
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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.
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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!
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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!
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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.
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MEMBERS® Auto and Homeowners Program
You trust RESOURCES Federal Credit Union to provide you and
your family with quality products and services to meet your financial
needs. We’ve joined with a dedicated team of insurance professionals
to bring you the MEMBERS® Auto & Homeowners Insurance Program.
- The MEMBERS Auto & Homeowners Insurance Program is the property and
casualty coverage solution preferred by credit unions and their members.
- Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
- Receive fast, easy access to claims service 24 hours a day.
- Obtain a free, no-obligation quote.
The MEMBERS Auto & Homeowners Insurance Program is made available
by CUNA Mutual Insurance Agency, Inc. and underwritten by leading
insurance companies. To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify. Discounts are not available in all
states and discounts vary by state. A consumer report from a consumer reporting
agency and/or motor vehicle report will be obtained on all drivers listed on
your policy where state regulations allow. The insurance offered is not a
deposit and is not federally insured 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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