Vehicle Loans

Rate as low as 1.90% APRApply Now

We understand that your car or truck allows you live your life to the fullest and we are anxious to provide you with the transportation and the financing you are looking for. As your Credit Union, we are here to offer you great service, a simple application process, and competitive rates. Our loan terms can be as long as 84 months with loan amounts up to $100,000. Certain conditions apply including: vehicle year, make, model, mileage and value.

It is our goal to be your primary adviser when looking for that special vehicle. Our new relationship with AutoSMART allows you to research the vehicle you are looking for. If you would prefer the Credit Union to do the research for you, then Auto Expert  is the service to use. They’ll find the perfect vehicle for you, and of course Rancho Federal will provide the perfect financing!

Please consider these excellent products and services:

  • Auto Expert
  • AutoSMART
  • MBI and GAP
  • CUNA Disability
  • CUNA Life

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

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.

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Credit cards

Rate as low as 7.25% 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 MasterCard® Premier Card with rates starting as low as 7.25% with the added benefit of ScoreCard Rewards. 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 current MasterCard® Rates.

In addition to these great benefits you also will receive:

Features:

  • Exceptionally low rates starting at 7.25%
  • No annual fee
  • No balance transfer fee
  • No cash advance fee if transaction is done in person or by phone
  • 25-day interest grace period on purchases
  • ScoreCard Rewards
  • Worldwide acceptance and access to cash at international ATMs!
  • Lost or stolen card reporting services by calling 800-325-3678

To pay online:

To mail in a regular payment

Please make check payable to:
MASTERCARD®
PO Box 31279
Tampa, FL 33631-3279

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 five convenient offices.

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Personal / Signature Loans

Rate as low as 9.90% 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:

  • No annual or prepayment penalties
  • Low fixed rates and payments
  • Loan amounts up to $15,000
  • Loan terms up to 60 months
  • Easy payment options

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

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Consolidation Loans

Rate as low as 10.90% 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:

  • No annual or prepayment penalties
  • Low fixed rates and payments
  • Loan amounts up to $15,000
  • Loan terms up to 60 months
  • Easy payment options
  • Payments can be sent directly to your creditors making the process painless and worry free.

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

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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.

  • Loan amounts from $150.00 to $750.00
  • Low monthly payments
  • Great flexible terms with up to 90 days to pay not two weeks or less like payday lenders
  • Reasonable interest rates that, with our longer terms, will allow you to repay the loan.
  • Confidence knowing you are dealing with a reputable institution that cares about your needs.
  • Certain restrictions apply

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

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Secured Loans

Rate as low as 1.90% 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.

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First mortgages

Rate as low as 3.00% APRApply Now

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. In addition, we have partnered with Amerifirst Financial for additional mortgage offerings such as FHA loans, Military and Conventional compounded loans.

Our First Trust Deed Mortgages Feature:

  • Fixed rate
  • 15, 20 and 30-year term for purchase or refinance
  • Up to 80% combined loan to value (LTV) financing

Yvonne Duron: NMLS# 472951
Patty Fonseca: NMLS#472950
Joseph Guttierez: NMLS# 630571

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

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AmeriFirst Financial, Inc.

Rate as low as 3.00% APRApply Now

Rancho Federal is pleased to be partnering with AmeriFirst Financial, Inc., “Your Neighborhood Mortgage Lender” to bring you a full range of mortgage products. Whether you are looking for a conventional loan, a jumbo loan, FHA financing, or even a reverse mortgage, Rancho Federal can now offer it to you – and as always, at a great low rate. Whether your loan originates directly with the Credit Union, or with our lending partner, it will be backed by Rancho Federal and you will receive the Credit Union service you expect. In addition, your transaction is also protected and certified with Amerifirst Financial, Inc.

To begin the process of buying a first home, a forever home, or refinancing your current home, call 866.855.9050, or come into one of our five convenient offices. You may also call Cory T. Dressel with AmeriFirst Financial, Inc. at 909.612.8591, or visit their website at www.amerifirstloan.com.

Cory Dressel: NMLS# 213430
Yvonne Duron: NMLS# 472951
Patty Fonseca: NMLS#472950
Joseph Guttierez: NMLS# 630571

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Home Equity Lines of credit

Rate as low as 5.00% APRApply Now

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
  • Low rates starting at 5.00% APR
  • Fixed payments
  • 5 year draw period
  • Repayment period of 15 years

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

Yvonne Duron: NMLS# 472951
Patty Fonseca: NMLS#472950
Joseph Guttierez: NMLS# 630571

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Contact Us

Click or call (562) 803-6401 or (866) 855-9050 for a representative.