Loan Products

Loan Products

Welcome to the Redbrand Credit Union Loans Page! As you can see, we offer a wide range of loan options to our members. Please contact us with any questions – we're here to help!

Not already a member? No problem - Apply online, call or stop-in to any of our offices to apply. Prior to funds disbursal, you will have to establish membership. Visit our Becoming a Member page for details.

Already have a loan on your vehicle? Talk to a loan officer and see if we can save you money with a lower rate! See our Loan Rates page for current rates.

Signature Loan

When you need to borrow money, a personal loan offers an easy option to get cash with your good credit. A Signature Loan is one that is not secured with collateral; your signature guarantees that you will pay the loan in full. Installment loans or single pay notes can be used for bill consolidation, vacations, Christmas, home improvement and much more! See our Loan Rates page for current rates.

Vehicle Loan (New & Used)

Redbrand Credit Union offers vehicle loans with great local service and competitive rates! Already have a loan on your vehicle – talk to a loan officer and see if we can save you money with a lower rate! See our Loan Rates page for current rates.

Auto Loan Refinance

Redbrand Credit Union offers vehicle refinance options. Lower your monthly payments on the car you already love.
Click here to see how much you can save.

Motorcycle Loan (New & Used)

Rebrand Credit Union welcomes motorcyclists! Unlike most financial institutions, our interest rates on bikes are the same as cars. Compare rates and you’ll find that you’re getting a great deal at Redbrand. See our Loan Rates page for current rates.

RV Loan (New & Used)

We offer loans on motorhomes, campervans, caravans, fifth-wheel trailers, popup campers and truck campers. See our Loan Rates page for current rates.

Home Equity Loan

Got equity in your home? We’ve got a great way to borrow money! We have great low rates and can extend terms through 15 years. See our Loan Rates page for current rates.

VISA Credit Card

With rates as low as 6.99% APR* Redbrand Credit Union VISA Credit Card is a great addition to your wallet. In addition to great rates, members enjoy local service and a fee structure that is better than most.

Already a cardholder? Get up-to-date card account information at or call 1 (800) 808-7230.

Check out rewards information at

*Annual Percentage Rate

Share Secured VISA Credit Card

A great option for members working to establish credit. A Share Secured VISA Credit Card allows you the convenience of a card while building your credit. An extra savings account is opened to hold the security deposit, which matches the limit on the card, until the card is closed. Don’t have cash to put down? We can fund the deposit from the card. Ideally, card holders transition to a traditional VISA Credit Card within a few years.

Click here for Visa Credit Card Disclosure.

Share Secured Loan

A great option for members working to establish credit. The security deposit is kept in a savings account, with funds becoming available as the balance of the loan is paid down.

Cash Now & Cash Later Loan

Designed to help members break the cycle of payday lending, Cash Now & Cash Later Loans are available to qualified members, regardless of credit score, up to $1,000. The primary qualification requirement is three months of continuous direct deposit. At the time the loan is granted, 75% of the loan proceeds are made available to the member. It is strongly encouraged that proceeds be used to pay payday loans in full and closed if possible. The other 25% are kept on hold until the loan is paid in full, at which time funds are released to the member. The goal is that the funds released at the end of the loan term prevent the member from going back out and getting more payday loans.

Loans can be refinanced, but it strongly encouraged that members keep loans on the book as long as possible. A loan doesn’t positively impact the credit score at all until it’s been on the books at least 6 months. The longer the original loan is kept on the books, the more the credit score is positively impacted.

Credit Builder Loan

This share secured loan is designed to help members build or repair credit history, regardless of whether they have funds available to pledge as collateral.

For members who do not have a deposit to use as collateral, when the loan is booked the loan proceeds are immediately deposited in a savings account and placed on hold for the entire duration of the loan. Once the loan has been repaid in full, the hold is removed and original loan proceeds are made available to the member.

Loans may be established anywhere from $100 to $1000 with a minimum payment of $25. It is recommended that loans not be paid off prior to being on the books for 6 months; otherwise the score will not be positively impacted.

Ready Set Save!

Getting ready to buy your first car? No credit? No problem!

Ready, Set Save is designed to help you get into your first car. We'll open a special savings account for you – one that you can make your projected monthly “payment” into. That then becomes your down payment on your new car! Here's the details:

  • Must be 18 years of age or older at time of vehicle purchase
  • 20% cash down payment (this will be in your special savings account!)
  • Payment cannot exceed 20% of monthly gross income
  • Minimum 12 months with employer required
  • No credit required; however, no derogatory credit accepted
  • Proof of full coverage automobile insurance required prior to funding
    • Exception may be allowed for vehicles < $2,000 in value
  • Must be first time car loan
    • Exception for vehicles purchased in past 6 months
  • Maximum Loan Amounts:
    • $15,000 individually
    • $20,000 w/ qualified co-signer
  • Maximum term is 60 months.
  • New Vehicle, up to 100% MSRP.
  • Used Vehicle, up to 100% Trade.