Main Number: 866-385-9281 (Toll-Free)   |   St. Louis Office: 866-385-9281, Press 3   |   Email: help@frbfcu.org   |   RTN/ABA #: 254074581

Loan Rates

Rates are based on an evaluation of credit history, so your rates may differ. Rates updated as of March 1, 2024. please verify current rates with Credit Union.

Life can be hectic, but your loan payments don’t have to be! Set up Direct Deposit and Automatic Payments from your FRBFCU® Checking Account.

Personal

Have an unexpected expense? Need new furniture or appliances? Want to consolidate high interest debt? Urgent bills piling up? Planning a wedding? A Personal Loan can help you get the funds you need for whatever life throws your way.

Approximate Term  Annual Percentage Rate (APR) As low As*:
12 months 10.00%
24 months 10.50%
36 months 11.00%
48 months 12.00%
60 months 14.00%
72 months 16.00%
84 months 18.00%

*Rates are based on an evaluation of credit history, so your rates may differ.

Line of Credit 

Gain access to a Personal Line of Credit that’s available for any expenses you may encounter. You have the flexibility to use and repay your line of credit as you need it!

Approximate Term  Annual Percentage Rate (APR) As Low As*:
20 months 10.00%

 

New Auto

We’re here to help you buy the car of your dreams! Our New Auto Loans will help you secure a new car right off the dealership lot.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 5.75%
37-48 months 6.00%
49-60 months 6.00%
61-72 months 6.25%
73-84 months** 8.25%

*Rates are based on an evaluation of credit history, so your rates may differ.
**$35,000 Minimum Advance

Used Auto

Used is great, too! Get the used vehicle you’ve had your eye on with help from our affordable Used Auto Loan rates.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 7.25%
37-48 months 7.50%
49-60 months 7.50%
61-72 months 8.00%
73-84 months** 9.00%

*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 Minimum Advance

New Motorcycle

Ready to transition from four wheels to two? Purchase your new or used Motorcycle with help from our Motorcycle Loan.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 8.00%
37-48 months 8.50%
49-60 months 8.50%
61-72 months** 8.50%
73-84 months** 9.75%

*Rates are based on an evaluation of credit history, so your rates may differ.
**$30,000 Minimum Advance

Used Motorcycle

Ready to transition from four wheels to two? Purchase your new or used Motorcycle with help from our Motorcycle Loan.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 8.50%
37-48 months 11.00%
49-60 months 11.00%

*Rates are based on an evaluation of credit history, so your rates may differ.

New Boat/New Camper/New RV

Hit the open road and enjoy the outdoors with financing help from our Boat, Camper, and RV Loans.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 7.50%
37-48 months 9.00%
49-60 months 9.25%
61-72 months 9.50%
73-84 months** 9.50%
85-120 months** 9.75%
121-180 months*** 10.75%

*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 minimum for terms over 72 months
***For boat loans of 121-180 months, USCG reg/living facilities required

Used Boat/Used Camper/Used RV

Hit the open road and enjoy the outdoors with financing help from our Boat, Camper, and RV Loans.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 8.50%
37-48 months 10.00%
49-60 months 10.00%
61-72 months 10.25%
73-84 months** 11.50%
85-120 months** 12.25%
121-180 months*** 13.25%

*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 minimum for terms over 72 months
***For boat loans of 121-180 months, USCG reg/living facilities required

Quick Pay

Need a quick, short-term loan that’s affordable? Our Quick Pay Loan can help if your net pay is direct deposited in your credit union account.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
All 18.00%

*Rates are based on an evaluation of credit history, so your rates may differ.

Savings Secured

Borrow against the funds you already have in a share account with the credit union with a Savings Secured Loan.

Approximate Term  Annual Percentage Rate (APR) As low As*:
12 months 3.00%
24 months 3.50%
36 months 4.00%
48 months 4.50%
60 months 5.00%
72 months 6.00%

 

Certificate Secured

Put your savings to work for you! Borrow against your funds that are deposited in a Certificate with the credit union.

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 84 months Term Share Dividend Rate + 3%

 

Visa Credit Cards

Enjoy great rates and rewards on your everyday purchases by putting an FRBFCU® Visa® Credit Card in your wallet!

Approximate Term  Annual Percentage Rate (APR) As Low As*:
  7.50%