24/7 Fast Cash - Holiday Loan

Approval and funding in minutes.Apply Now

Life happens. We have the easiest way for you to get a loan whenever you need it. The money can be used for anything:

• Emergency
• Auto Repair
• General Living Expense
• Home Repair
• Consolidation Loan
• Medical or Dental Expense
• Tuition or School Items
• Plane Ticket or Vacation Money
• Cash For Any Purchase

There is no limit to how you can use Rancho FCU’s 24/7 Fast Cash – Anytime Loan. This special loan is only available to current Rancho FCU members. Features:

The fully contactless application via the link below or within the Rancho FCU Mobile App

Apply Now

Click here for our current rates and terms.

Loan amounts determined by certain relationship criteria and deposit history. Rancho FCU accounts must be in good standing, and have been a member for at least six months.

Vehicle Loans

Rate as low as 4.99% APRApply Now

We are pleased to offer auto loans with great service, a simple application process, and competitive rates. We offer loan terms as long as 84 months and loan amounts up to $100,000. Your loan term and amount may vary based on vehicle year, make, model, mileage and value.

Need help finding a car? Rancho Federal has several ways to help you with the car buying and financing process. If you know exactly the vehicle you want, our relationship with GrooveCar provides a simple, three-step, auto buying experience. Find, Drive and Save!

If you know the general type of vehicle you need, Auto Expert will recommend the perfect vehicle to fit your needs. Then, they’ll bring their buying power to bear to save you money. And, we’ll save you even more with our low auto loan rates! How can you lose?

Please also consider these excellent products and services:

Auto Financing Insurance Options

Mechanical Breakdown Insurance (MBI)
MBI provides protection and peace of mind comparable to the extended warranties sold by car dealers. Compare the cost of our MBI to dealer programs, and you will realize major savings at Rancho Federal.

Guaranteed Asset Protection (GAP)
GAP covers you for the difference between the market value of your vehicle and the loan or lease balance in the event the vehicle is stolen, or totaled in an accident. GAP also covers your insurance deductible up to $1000. Ask your Loan Representative for details about GAP when you apply for your auto loan.

Credit Cards

Rate as low as 12.50% APRApply Now

Credit cards are a fact of modern life. But the fact is that you are probably paying too much for the credit card you are using now. Rancho Federal offers our MasterCards^® with rates of 12.50%! You may never see a Mastercard rate this low again. You’ll also earn valuable points toward travel and exciting merchandise just by using your card! Of course, we make paying your bill quick and easy. Click here for complete MasterCard^® Rates. Click here for full disclosures.

In addition to these great benefits you also will receive:

Features:

To pay online:

To mail in a regular payment

Please make check payable to:
MASTERCARD^®
PO Box 4521
Carol Stream, IL 60197-4521

Please send inquiries to:
CUSTOMER SERVICE
PO Box 30495
Tampa, FL 33630-3495

You may apply online, call 866.855.9050, or visit one of our three convenient offices.

Personal / Signature Loans

Rate as low as 10.99% APRApply Now

Are you in need of some quick home repairs, a new computer or home entertainment system? Rancho Federal’s Personal Loans can be used for anything that may pop up. And we all know that something will! Also called Signature Loans, because we require no collateral, this may be your smartest financing option, with rates lower than most credit cards. Transferring a balance from a credit card to a Rancho Federal Personal Loan can be a great way to save money.

Rancho Federal’s Personal Loans offer:

Make payments easily with our many available options such as Automatic Transfer, Payroll deductions and ACH from another financial institution.

Consolidation Loans

Rate as low as 12.00% APRApply Now

Rancho Federal’s Bill Consolidation Loan rolls all the bills your are currently paying into one loan with one affordable monthly payment. Not only will your life be much easier, but your payment should be much lower than the combined total you’ve been paying! You’ll enjoy these great benefits with A Rancho Federal Bill Consolidation Loan:

Make payments easily with our many available options such as Automatic Transfer, Payroll deductions and ACH from another financial institution.

Payday Assistance Loans

Rate as low as 28.00% APRApply Now

Do you sometimes come up a little short before payday? It happens. As your Credit Union we want to help you avoid the pitfalls of payday lenders: exorbitant rates and very short loan terms, which make it difficult to repay the loan and get out from under the debt. Rancho Federal offers PAL (Payday Assistance Loans) Loans with more favorable terms. We hope you’ll always come to your Credit Union when the going gets a little tough.

Make payments easily with our many available options such as Automatic Transfer, Payroll deductions and ACH from another financial institution.

Secured Loans

Share or Certificate Rate + 3.00% APRApply Now

Share Secured loans feature low interest rates, because the loan is secured by your deposits at the Credit Union. It’s a great way to access funds at a low cost without paying penalties or emptying your Credit Union Accounts. Share Secured and/or Certificate Secured loans are also a great way to establish or repair credit.

First Mortgages

Rate as low as 5.50% APRApplication

Before you buy or refinance a home, talk to one of RFCU’s mortgage Loan officer. We offer a wide variety of mortgage programs, including conventional, jumbo and low down payment loans. Use our loan calculators to estimate your payments. 

Our First Trust Deed Mortgages Feature:

Rancho Federal Credit Union’s NMLS is #421333.

Make payments easily with our many available options such as Automatic Transfer, Payroll deductions and ACH from another financial institution.

Home Equity Lines of Credit

Rate as low as 9.00% APRApplication

Home values are up and rates are remaining near all-time lows. This may be the best time ever to access the equity in your home with a Home Equity Line of Credit from Rancho Federal. Remodel your home, pay off other debts, pay college tuition, or even take that vacation you’ve been dreaming about for years. Simply use the money any way you choose! Rancho Federal’s Home Equity Lines of Credit feature:

• No fees to apply
• Customary underwriting fees range from $400 to $1,000
• Low rates starting at 9.00% APR
• Fixed payments
• 5 year draw period
• Repayment period of 15 years

Fillable Home Loan Application

Make payments easily with our many available options such as Automatic Transfer, Payroll deductions and ACH from another financial institution.

Rancho Federal Credit Union’s NMLS is #421333.