Loans

HomeLoans

Your CU Loan and Credit Opportunities

As a full service financial cooperative, Richland Federal Credit Union is pleased to offer our members

competitive rates on a wide variety of loan services.

Your Auto/Consumer Loans

We offer simple interest loans for any good purpose, including new and used autos, recreational vehicles, boats, vacations, debt consolidation and more! “Simple interest” means there are NO PREPAYMENT PENALTIES and the faster the loan is repaid, the less interest you pay! In addition there are NO ORIGINATION FEES! We also offer member pay Single and Joint Loan Protection insurance on loans up to $30,000, and Credit Disability Insurance. Ask your loan officer for details.

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Your Ag/Commercial Loans

Richland Federal Credit Union offers agricultural and commercial loans for operating expenses, machinery & equipment, livestock, and real estate purchases or refinancing. Our rates are very competitive with area lenders. We offer variable rates on our operating loans and fixed term notes for up to six years on M&E and livestock. Our real estate loans can be either fixed or variable and are amortized over 20 years.

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Your Real Estate Loans

Richland Federal Credit Union offers Conventional and In-house real estate lending. We currently have three different partners that we work with for finalizing your real estate loans.  If you are interested in applying for a Credit Union home loan or real estate loan, please contact our real estate department at 406-482-2704 to obtain assistance.

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Your Home Equity Loans

We also have Home Equity Loans available, which are based on your home’s equity (i.e. the difference between the value of your home and the amount of your mortgage). A home equity loan can be used for whatever you would like and the interest you pay may be tax deductible. (Please consult your tax advisor for details.)

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Your Shared Secured Loans

With these convenient loans, the money in your member savings account or your member share certificate is used as collateral. While you will continue to receive dividends on your savings and your certificate, your loan’s interest rate will be lower than the standard consumer loan rate. See our Rates & Fees page for details.

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Your Signature Loans

As an added convenience, your credit union offers signature loans up to $5,000.00 with a maximum term of 48 months for qualified borrowers.

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* APR = Annual Percentage Rate. APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly). ** APY = Annual Percentage Yield. APY is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. ** Rates subject to change without notice. Some restrictions apply, please contact Richland Federal Credit Union.

Small Business - Big Impact

When it comes to loans, our team has years of experience working for members
with a wide range of services. Let us help you find the perfect loan for your needs.

Contact Us

A Credit Union that works with you - for you.

Auto/Consumer Loans

We offer simple interest loans for any good purpose, including new and used autos, recreational vehicles, boats, vacations, debt consolidation and more!

Ag/Commercial Loans

We offer agricultural and commercial loans for operating expenses, machinery & equipment, livestock, and real estate purchases or refinancing.

Real Estate Loans

We offer Conventional and In-house real estate lending.

Shared Secured Loans

With these convenient loans, the money in your member savings account or your member share certificate is used as collateral.

Signature Loans

We offer signature loans up to $5,000.00 with a maximum term of 48 months for qualified borrowers.

Home Equity Loans

We also have Home Equity Loans available, which are based on your home’s equity.

Get in touch with us for more information

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