Mortgage & Loans

When it comes to buying a home, or a big expense like a new car or college tuition, getting a loan with knowledgeable, local service and great rates can make the difference between major stress and major excitement. Talk to an RCB lender and find out how we can help.

50-50

Earn up to $100 when you open a Personal Checking Account and enroll in Online Bill Pay!

learn more

Our Lending Options

Fixed Rate Mortgages

A fixed-rate mortgage means your monthly principal and interest payments will stay the same for the life of your loan. A longer-term loan allows for lower monthly payments. With a shorter-term loan, you can repay your loan twice as fast, and save more than half of the total interest costs. Either way, you can count on local services from RCB for the life of your loan. Promise.

 

Adjustable Rate Mortgages

An adjustable-rate mortgage (ARM) might make sense for you if you're only planning to stay in your home only for a short time or if you think your income will increase in the future. With this type of mortgage you can get a lower interest rate and lower payment at the beginning of the loan. The interest rate is fixed for a specific period of time.

 

Home Equity Loans & Lines of Credit (HELOC)

Our home equity loans and home equity lines of credit (HELOC) are a great way to use the value of your home to do things like make home improvements, take care of unexpected expenses, consolidate debt, or pay for a large expense like college tuition or a new car.

Home Equity Loans & Lines of Credit (HELOC) Video
 

Auto & Personal Loans

Buying some new wheels? Need to pay off some debt, or make a major purchase? RCB offers auto loans for new and used car purchases as well as personal loans, both with competitive rates and quick approvals for minimal hassle. Let us help you find a loan that works for you.

 

Student Loans

At RCB, we believe in helping make education more accessible for our customers. If you need a Student Loan to help with the cost of college tuition, RCB can help. See if a CB Student HELP Smart Option Student Loan® by Sallie Mae® is right for you.

 

Fixed & Adjustable Mortgage Rates

Today's Rates

For important loan information and rate disclosures please
click on the Red APR rate.

personalized quote

Home Equity Loan rates

Fixed Rate Home Equity Loans          
(Loans up to $250,000)2,3,4    

Term

Rate APR1
5 Year 4.500% 4.760%
7 Year 4.750% 4.940%
10 Year 5.000% 5.137%
15 Year 5.250% 5.347%
20 Year 5.500% 5.577%

1APR (Annual Percentage Rate) - is the annual rate that is charged for borrowing, expressed as a single percentage number that represents the actual yearly costs of funds over the term of the loan. This includes any fees or additional costs associated with the transaction.

2For loan amounts up to $100,000 your debt to income ratio cannot exceed 45%, and you will need a minimum mid Fico Score of 620.

3For loan amounts more than $100,000 up to $250,000 your debt to income ration cannot exceed 40%, and you will need a minimum mid Fico Score of 680.

4Depending on your loan to value, debit to income ratio, and credit score you may qualify for a higher loan amount. Please speak to a loan officer for more details.

Auto & Personal Loans

Auto Loans3 - New1 or Used2

New Cars with model year 2020

Term

APR*

Payment per $1000

Up to 48 Months 4.25% $22.69
Up to 60 Months 5.00% $18.87
Up to 72 Months 5.75% $16.46

 

 

Used Cars with model years 2015 - 2019

Term

APR*

Payment per $1000

Up to 36 Months 5.75% $30.31
Up to 48 Months 6.50% $23.71

 

 

Recreational Vehicles - New1 or Used2

Term

APR*

Payment per $1000

Up to 36 Months (max) 9.99% $32.26

 

 

Personal Loans3 - On Demand

Term

Fixed APR*

Payment per $1000

Revolving Line of Credit 15.00% N/A
Term Loan4   36-month (max)5 15.00% $34.67

 

 

Passbook Collateral Loans

Secured By

APR*

Certificate of Deposit6 Rate on CD Passbook Account Plus 4.00%
Passbook Savings Account6 Rate on Passbook Savings Account Plus 2.00%

*APR = Annual Percentage Rate

1New vehicles - maximum of 95% of Purchase Price (must have less than 6,000 miles and be titled). Loans up to $50,000, max term 6 years for new cars (2020 model year). 
2Used vehicles - maximum of 80% of Purchase Price or NADA blue book value, whichever is less (autos with model years not older than 5 years - currently 2015). 
325bp discount for loans set up with monthly automatic payments from RCB deposit account (excludes HELOC products). 
4Loan is fully amortizing. 
5Minimum Loan Amount $500. Maximum loan amount $10,000. 
6Finance up to 95% of Account Balance - Account must be at RCB.

Rates and terms are effective as of January 7, 2020 and are subject to change at any time without notice.

<p>get pre-qualified today</p>

get pre-qualified today

Know before you go

<p>we're old hands at the new home thing</p>

we're old hands at the new home thing

RCB's been lending money to homeowners in our community since 1886.

<p>saving for your dream home?</p>

saving for your dream home?

Your down payment doesn't have to be a downer. We can help you get a plan together.

email locations phone

Get in touch

Ready to learn more about our loan options? Our lenders are ready and waiting to help.