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 with your most recent pay stub. If you have had a loan with us in the past, all you need to do is call in (804) 281-6442 and update your information on file.

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

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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.

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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!

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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 rates 2.5% 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!

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Additional Services:
Invest in America and Drive Away with Savings
RFCU members can take advantage of multiple discounts from domestic auto makers and SAVE BIG on new car purchases. Complete program details can be found at www.lovemycreditunion.com.

GM: Supplier pricing through December 31, 2009

Chrysler: “Double Your Cash for Your Old Car” Program, July 23 –August 31, 2009

Savings on 2009 Models:

Chrysler Brand

• $4,500 cash rebate OR 0% APR for 72 months on PT Cruiser, Sebring Sedan & Aspen
• $3,500 cash rebate OR 0% APR for 60 months on 300/300C
• $3,500 cash rebate PLUS $1,000 Bonus Cash OR 0% APR for 60 months on Town & Country
• $3,500 cash rebate on Sebring Convertible

Jeep Brand

• $4,500 cash rebate PLUS $1,000 OR 0% APR for 72 months on Grand Cherokee & Commander
• $3,500 cash rebate on Patriot, Compass & Liberty
• $1,500 Bonus Cash on Wrangler

Dodge Brand

• $4,500 cash rebate OR 0% APR for 72 months on Avenger, Durango & All Ram Heavy Duty
• $3,500 cash rebate OR 0% APR for 60 months on Charger & Journey
• $3,500 cash rebate PLUS $1,000 Bonus Cash OR 0% APR for 60 months on Grand Caravan & Ram Light Duty
• $3,500 cash rebate on Caliber, Dakota & Nitro

Important things to know about the Chrysler program can be found at http://www.cars.gov/.

The Invest in America Program is designed to:

• Promote products and services from U.S.-based companies
• Provide a stimulus for our economy
• Offer credit union members incentives for buying products and services from these American companies.

Membership does have its privileges. For additional information on the Invest in America Program, including the most up to date information on available discounts, visit www.lovemycreditunion.com.

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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