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Loan Rates

Find the Right Car - Right Now!

Riverset makes car buying easy!  Research thousands of New and Used cars at hundreds of local dealers through our Member Auto Center.  Get free, no-obligation price quote, tips on buying smart, information on warranties and vehicle maintenance, and so much more!  Simplify your car buying experience with Riverset.

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Get the Rate You Deserve

Nothing is more valuable to us than our members.  That’s why we offer competitive, money-saving rates on all of our loan products.  Get access to the money you need to consolidate debt, make home improvements, purchase or refinance a vehicle and more.

All rates current as of November 2019
PRODUCT APR* TERM
New Vehicles (2018-2020) 3.84% 1-60 months

New Vehicles (2018-2020)

 4.04% 61-66 months

New Vehicles (2018-2020)

 4.34% 67-72 months

New Vehicles (2018-2020)

 4.84% 73-78 months
Used Vehicles (2016-2017) 3.94% 1-60 months

Used Vehicles (2016-2017)

 4.14% 61-66 months

Used Vehicles (2016-2017)

 4.34% 67-72 months

Used Vehicles (2016-2017)

 4.44% 73-75 months
Vehicles (2015) 4.24% 1-60 months

Vehicles (2015)

 4.44% 61-66 months

Vehicles (2015)

 4.74% 67-72 months
Vehicles (2013-2014) 4.74% 1-60 months

Vehicles (2013-2014)

 4.84% 61-66 months
Vehicles (2012) 5.74% 1-60 months
Vehicles (2011) 6.25% 1-54 months

*APR = Annual Percentage Rate. Rates shown are available to well qualified borrowers and include a .25% discount by having a qualifying checking account. The APRs are not available for the refinance of an existing Riverset Credit Union loan.  Qualifying checking accounts are subject to certain terms and conditions that may change after account opening. Your actual APR will be determined by the repayment term, model year of auto, and a review of your credit. APRs are accurate when accessed and are subject to change without notice. Subject to Riverset Credit Union underwriting guidelines.

PRODUCT APR* TERM
Fixed Rate – First Lien 3.99% 1-60 months

Fixed Rate – First Lien

 4.15% 61-120 months

Fixed Rate – First Lien

 4.25% 121-144 months

Fixed Rate – First Lien

 4.35% 145-180 months

Fixed Rate – First Lien

 4.45% 181-240 months
Fixed Rate – Second Lien 4.75% 1-60 months

Fixed Rate – Second Lien

 5.25% 61-120 months

Fixed Rate – Second Lien

 5.35% 121-144 months

Fixed Rate – Second Lien

 5.65% 145-180 months

Fixed Rate – Second Lien

 5.75% 181-240 months

*APR = Annual Percentage Rate. Rates shown are “as low as” rates and are based on loan amount, lien position, loan repayment term, and creditworthiness.  Other rates and terms are available.  All loan approvals are subject to normal underwriting guidelines.  All rates are subject to change without notice.

*Minimum unsecured signature loan equals $2,000. Unsecured signature loans ranging from $2,000-$4,999 will be financed at a flat rate of 15.75% APR for terms up to 36 months; $5,000-$14,999 for terms up to 60 months; $15,000 and above for terms 61-72 months. Low end of range shown may include the rate given to members with an 'A+' credit score (720 & up). Rates shown here reflect a .25% rate reduction for having a qualifying Riverset Checking Account.  The APRs are not available for the refinance of an existing Riverset Credit Union loan.  Qualifying checking accounts are subject to certain terms and conditions that may change after account opening. Your actual APR will be determined by the repayment term, loan amount, and a review of your credit. APRs are accurate when accessed and are subject to change without notice. Subject to Riverset Credit Union underwriting guidelines.
**Share Secured - Minimum loan amount is $750; Minimum Payment is $50.00
***Share Certificate Secured - Minimum loan amount is $750; Minimum Payment is $50.00; The Annual Percentage Rate (APR) is based on the dividend rate being paid on the certificate offered as security plus 4.00 percentage points. Term is up to one month prior to certificate's maturity date.

PRODUCT APR* REWARDS
PayBack VISA® Credit Card 11.99% - 17.99% 1% on ALL PURCHASES
Share Secured VISA® Credit Card 17.99% 1% on ALL PURCHASES
PayBack PLUS VISA® Credit Card 12.99% or 17.99% 2% on ALL PURCHASES

*APR = Annual Percentage Rate. All loan approvals are subject to normal underwriting guidelines.  All rates are subject to change without notice.  Riverset Visa® Consumer Credit Card Agreement can be viewed here. Riverset VISA Application & Solicitation Disclosure can be viewed here.

Switch your Direct Deposit

Many bank customers are becoming increasingly frustrated with the litany of fees their banks are charging, as well as the difficulties often associated with obtaining a loan. Riverset Credit Union represents an alternative to banks and provides solutions to common complaints about traditional banking institutions. Not for profit, not for charity, but for service. Bring your Direct Deposit to a Riverset Simple Checking account and do better than a bank.

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I have abandoned traditional banks. I only use credit unions, primarily Riverset. The shared banking option is perfect for when I am traveling.

Carol