Loans & Rates
Rolling F Credit Union offers some of the best competitive rates in the Stanislaus and Merced Counties. We offer loans for almost any kind of purpose. Whether it be a new or used vehicle, or even a home or personal loan, Rolling F has your back. In order to apply for a loan, you MUST be a member with us. Apply now, and our team will get you access to the money you deserve!
Loans & Rates Effective September 16, 2026
(These rates do not include the 1% Off Discount Promo)
| Loan Type | Terms | APR* As Low As |
|---|---|---|
| NEW AUTO - Max $100,000 | up to 60 months | 5.30 - 13.60% |
| *See Below | 61 - 72 months | 5.43 - 13.73% |
| *73 - 84 months | *5.53 - 13.85% | |
| USED AUTO - Max $100,000 | up to 60 months | 5.40 - 14.14% |
| *See Below | 61 - 72 months | 5.54 - 14.27% |
| *73 - 84 months | *5.65 - 14.40% | |
| OLDER USED AUTO (2015 or older) - Max $25,000 | up to 60 months | 7.40 - 16.14% |
| 61 - 72 months | 7.54 - 16.27% | |
| 73 - 84 months | 7.65 - 16.37% | |
| PERSONAL LOAN - Max. $10,000 | up to 36 months | 9.95 - 17.95% |
| *See Below | 37 - 48 months | 10.05 - 18.05% |
| 49 - 60 months | 10.15 - 18.15% | |
| *72 months | *10.28 - 10.57% | |
| COLLATERAL (TITLE) LOAN - Max. $100,000 | up to 60 months | 7.05 - 15.67% |
| *See Below | 61 - 72 months | 7.18 - 15.80% |
| *73 - 84 months | *7.28 - 15.90% | |
| SHARE SECURED - Max. $250,000 | up to 36 months | 3.00% |
| 37 - 60 months | 3.25% | |
| CREDIT BUILDER - Max. $500 | 12 months | 12.10 - 20.10% |
| NEW OR USED RECREATIONAL RV’S, BOATS, MOTORCYCLES MAX-$100,000.00 | up to 60 months | 7.95 - 13.85% |
| 61 - 72 months | 8.11 - 14.00% | |
| 73 - 84 months | 8.22 - 14.10% | |
| 85 - 96 months | 8.34 - 14.20% | |
| 97 - 120 months | 8.46 - 14.30% | |
| FREEDOM LINE OF CREDIT** | N/A | 8.66 - 19.00% |
| UNSECURED LINE - Max. $10,000 | ||
| HOLIDAY/VACATION LOAN - Max. $2,500 | up to 12 months | 5.69 - 11.69% |
| Loan Type | Terms | Fed Prime Rate* |
| Home Equity Line of Credit (Variable Rate) MIN: $10,000.00 MAX: $1000,000.00 | 180 Months (15 Years) | 7.00% |
| Home Equity Loan (Fixed Rate) MIN: $10,000 MAX: $200,000.00 | 120 Months (10 Years) 180 Months (15 Years) 240 Months (20 Years) | 7.00% 7.00% 7.00% |
RATE BASED ON FED PRIME RATE and FICO SCORE TIER ( PRIME +/- )
FOR ADDITIONAL INFORMATION CONTACT OUR CREDIT UNIONS LOAN OFFICER.
Loan Calculator
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