Loans
  • Secured
  • Unsecured
  • Home Improvement
  • Credit Cards
Auto Loan
  • Low rates
  • Quick approvals
  • Convenient eSign
  • Multiple payment options
  • Low cost payment protection, warranty and GAP options to save you money
Auto Loan Purchase
Loan Type Term* APR As Low As**
New 2018 up to 72 months 3.59%
2017 up to 72 months 3.59%
2016 up to 72 months 4.09%
2015 up to 72 months 4.09%
2014 up to 48 months 4.59%
2013 & Older up to 36 months 5.09%
Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle) over $25,000
Loan Type Term* APR As Low As**
New up to 144 months 6.99%
Used up to 144 months 7.49%
Repo Rate

All Year Models are 3.75%* Extended terms are available.

Share Secured, Certificate Secured, & Credit Builder Loans
  • Low rates
  • Quick approvals
  • Convenient eSign
  • Multiple payment options
  • Low cost payment protection, warranty and GAP options to save you money
Secured Loans
Loan Type Term* APR As Low As**
Share Secured up to 60 months 2.25%
Credit Builder up to 12 months 2.25%
Certificate Secured up to 12 months 2.00% Above Certificate Rate
Money Market Secured up to 60 months 2.25%

*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2014 year model or newer - $17,000 minimum. Rates Effective: 8/9/2018

**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

Consumer Loans

Our consumer loans are tailored to your individual
needs. Whether you're looking for a convenient way
to cover unexpected expenses or planning
a large purchase, we can help.

  • Multiple payment options
  • Great way to consolidate
  • Quick approval
  • Convenient E-Sign
  • Low cost payment protection
Unsecured Loans
Loan Type Term* APR As Low As**
Unsecured up to 60 months 13.30%
Money Line / Line of Credit 11.30%

*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2014 year model or newer - $17,000 minimum. Rates Effective: 8/9/2018

**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

Home Improvement Loan
  • Up to $15,000
  • Low rate
  • No closing cost
  • No inspection
  • No equity needed

A few things will be needed to get you qualified for your home improvement loan.

  • Individual applicant must have a credit score of 700 or higher, joint applicants must average 700 or higher with neither being under 660.
  • Proof of employment for 4 years.
  • Income verification with W-2 and pay stub dated within the last 30 days. If you are self-employed, you must provide the last two years tax returns. For those who are retired or on social security, verification must be made by a third party such as a social security letter or retirement award letter. Income may be verified though RRCU direct deposit.
  • Proof of residence for 4 years or home ownership of 4 years prior to current residence. Copy recorded Warranty Deed on present residence.
  • List of improvements or work estimates. Loan may not exceed the total amount of improvement estimates provided by the member.
Consumer Home Improvement
Loan Type Term* APR As Low As**
Home Improvement up to 60 months 6.75%
$10,000-$15,000 61-84 months 7.25%

*Terms may be extended on Auto Loans to 72 months at 60 month rate with approved credit - Purchase or refinance from other institution only on a 2014 year model or newer - $17,000 minimum. Rates Effective: 8/9/2018

**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

Visa and Master Card

Enjoy low rates and great terms with our credit cards. You'll love the convenience they offer and the secure feeling that comes with a Red River Credit Union card. Whether you're planning your dream vacation, managing your household finances, or building strong credit for the future, at Red River Credit Union we offer the credit card to meet your needs.

  • Introductory Rate of 4.9% APR for 6 Months*
  • Choose from MasterCard or Visa
  • No Annual Fees
  • Low Interest Rates
  • Minimal Service Fees

*Introductory Annual Percentage Rate. 4.9% Introductory rate for the first six months, with approved credit. After that, the APR will be 4.9% to 17.9%, based on your creditworthiness, and will vary with the market based on the Prime Rate Index.
**Annual Percentage Rate. Rate will not increase while open



Report a Lost or Stolen Credit Card
To place a block on your credit card during regular business hours, contact RRFCU's Call Center at 903-735-3000 or 800-822-3317. After business hours, weekends, or holidays, call the Vantiv Fraud Protection Center at 800-820-8450 and select Option 2.

External Link Disclosure

By accessing this link, you will be leaving the Red River Credit Union's web site and entering a web site hosted by another party. Although Red River Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Red River Credit Union's web site. The other party is solely responsible for the content of its web site. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of Red River Credit Union.

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External Link Disclosure

This link is for former Shreveport Federal Credit Union members only. If you clicked on this link in error click CANCEL to return to the Red River Credit Union website.

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