LOANS

Vehicle Loans

Now is the time for a new or used car, motorcycle, boat, rv and ATV. Ravalli County Federal Credit Union is here for you.

We offer great rates and flexible terms up to 72 months to finance your new car/truck/SUV or Recreational Vehicle purchase.

Maybe you found that gem of a used car. Based on the age of the car, we can offer 80 to100% financing and 36 to 72 months to pay for it. In addition, we still offer very competitive rates.

We can help you get pre-approved financing so you are in the drivers seat when you go to the dealership to negotiate your dream vehicle.

Call one of our knowledgeable auto loan officers today at 363-4631 and ask how we can help you purchase that special vehicle.

Working to Improve Your Financial Life!!

All loans are on approved credit. Posted loan rates are for those members with “A” credit. Rates may vary based on credit review. All rates are subject to change without notice. Payment Protection Insurance is available for all eligible loans but is not required.

Consumer Loans

Whether you want a new snowmobile to enjoy winter in the Bitterroot, are looking to buy that special Christmas present for that special someone or have decided you deserve that once in a lifetime vacation, we at Ravalli County Federal Credit Union have the right consumer loan for you.

We offer competitive rates at great terms to help make fun affordable. Call 363-4631 today and speak with one of our friendly loan officers.

Working to Improve Your Financial Life

All loans are on approved credit. Posted loan rates are for those members with “A” credit. Rates may vary based on credit review. All rates are subject to change without notice. Payment Protection Insurance is available for all eligible loans but is not required.

Share Secured Loans and Certificate Secured Loans

Ravalli County Federal Credit Union also offers Share Secured loans and Certificate Secured Loans.

This means that you can borrow against your own funds on deposit at the credit union. The interest rate on both types of loans is 3.00% over the rate earned in your savings- or certificate of deposit  account.

The term for the Share Secured Loan is 12 months. If at the end of the 12 months there is still a balance left you can either payoff the loan with the shares in your account or refinance the balance into a new Share Secured loan at the current interest rate.

The Certificate Secured Loan term will be at the maturity date of the Certificate of Deposit.

You decide what monthly payment you want to make.

Please contact a loan officer for more details.

 

Real Estate Loans

Is the thought of buying your first home a little terrifying? Is your family outgrowing your current home? Maybe you found that perfect piece of land in the Valley to build your dream retirement home. We can help make your dreams come true…

Mortgage rates are still low. Now is the time to apply for the home of your dreams or refinance your present home.

Whether you are a first time home buyer, looking for more room or dreaming about retirement, we offer:

  • Competitive rates
  • Great terms
  • Minimal fees

Call one of our trusted loan officers at 363-4631 to make an appointment. Find out how we can help make the process of buying your dream home a reality.

Working to Improve Your Financial Life!!

All loans are on approved credit. Any posted loan rates are for those members with “A” credit. Rates may vary based on credit review. All rates are subject to change without notice. Payment Protection Insurance is available for all eligible loans but is not required.

Did you know? We offer Mortgage Loans!

Home Equity Loans

Our Home Equity Lines of Credit loans offer convenient flexible terms at very competitive rates. A Home Equity Line of Credit, which may be tax deductible*, lets you use the equity in your home as collateral and can be used for home improvements, education, travel, and many other major purchases. Call 363-4631 today and talk with one of our friendly knowledgable loan officers.

Working to Improve Your Financial Life

All loans are on approved credit. Posted loan rates are for those members with “A” credit. Rates may vary based on credit review. All rates are subject to change without notice. Payment Protection Insurance is available for all eligible loans but is not required.

*Contact your tax advisor for more information.

We do appreciate your business!

VISA Credit Cards

Get A Ravalli County Federal Credit Union VISA Credit Card and take advantage of our low competitive rate –  9.9% APR, NO ANNUAL FEE, and a 25-day grace period.

Shop around and you will see this is the best card to carry. There are no hidden fees and Cash Advances are the same rate as a regular charge.

Always read the fine print when you receive cards in the mail. If their rates look too good to be true, they usually are!

We don’t do “teaser” rates. You also have the convenience of making your payment in the office.

Come in and sign up!

We now offer reloadable VISA Travel Cards & VISA Gift Cards!

Printable Loan Application

A printable, on-line application for loans is available by clicking here. Please print from your browser and complete the entire application. You may then bring it to us in person, mail it to Ravalli Credit FCU at P.O. Box 598, Hamilton, MT, 59840, or fax it to the attention of a Loan Officer at 406-363-3354.

If you have any other questions, please call 406-363-4631.
Thank you for your business!