Rio Grande Credit Union has the loan for you! All of RGCU’s loans offer flexible terms including the length of your loan, method of payment and number of payments per month.

Cars, Trucks, Motorcycles & Recreational Vehicles - Our goal is to find the best financing options for your budget at the payment that’s right for you. Because let’s face it, buying a car is a big deal, and no one wants to be stressed out making loan payments that you can’t afford. Check out our rates here. Let us help you finance your car, truck or motorcycle. If a recreational vehicle – ATV, boat, motorhome or jet ski – is more your style, we’ll finance that, too!

Signature (Personal) Loans - Signature (Personal) Loans give you the convenience to take a vacation, buy a computer or get the cash you need until payday. Repayment plans can be as low as a fixed percentage of the outstanding balance, whichever is greater.

Shares/Certificate Secured Loans - Shares/Certificate Secured Loans let you borrow as much money as you have available in your RGCU Regular Shares Account, Investors Account or Shares Certificate. You can qualify for this type of loan as long as you have money in a Regular Shares Account or Shares Certificate Account. The loan application to loan closing process is simple and fast. With a Shares/Certificate Secured Loan, terms can be flexible and interest rates are low.

Home Buying Mortgage Loans - RGCU offers a variety of traditional mortgage loan options for buying your first home or next home. Various rates and terms are available. Our mortgage experts can help you pick the right mortgage for you. 

Refinance Mortgage Loans
- An RGCU Refinance Mortgage Loan may be the right choice for you if you’re interested in lowering your monthly payment, reducing your interest rate, paying off your mortgage sooner or even paying for a major purchase. We have several loan options with rates and terms to meet your needs. We can help you determine your best options.

Second Mortgage Loans and Home Equity Lines of Credit - Perhaps home equity is your thing. Both a Second Mortgage (home equity) Loan and a Home Equity Line of Credit (HELOC) offer you the flexibility to turn the equity in your home into cash. Don’t let the “home” in home equity fool you. You can use your equity for pretty much anything, not just home improvements: bill consolidation, college tuition, a new car and even a dream vacation. Keep in mind, a home equity loan and a home equity line of credit are different. A home equity loan is a one-time, fixed-rate loan. A HELOC is a fixed credit line that lets you borrow against the equity you’ve built in your home. You can borrow money up to the maximum amount of the credit line; you pay interest (a variable interest rate) on the amount of money borrowed. Ask us how these work.



Want a break on your rate? We want to give it to you.

Take off 0.50% for making your loan payment using full direct deposit and auto transfer from any of your RGCU accounts.

The rate reduction applies to car, truck and motorcycle loans; recreational vehicle loans; lines of credit and signature (personal) loans.
The rate cannot exceed lowest possible rate.