RT Credit Union

Rome, New York
Last verified: August 4, 2026
Work at RT Credit Union? Claim this profile →

Verified rate book

Current RT Credit Union rates

56 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

26 offers
RT Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Used Autos & Motorcycles (5 years)motorcycle_used_60mo3.990% APR3.990%60 mo · usedStandard
Used Autos & Motorcyclesmotorcycle_used3.990% APR3.990%usedStandard
2023-2026 (Less Than 10,000 Miles)auto_any_60mo3.990% APR3.990%60 moStandard
New Autos & Motorcyclesmotorcycle_new4.240% APR4.240%newStandard
2023-2026 (Less Than 10,000 Miles)auto_any_72mo4.490% APR4.490%72 moStandard
Used Autos & Motorcycles (6 years)motorcycle_used_72mo4.490% APR4.490%72 mo · usedStandard
2023-2026 (Less Than 10,000 Miles, Minimum Loan Amount $40,000)auto_any_84mo4.990% APR4.990%84 moStandard
Used Autos & Motorcycles (7 years)motorcycle_used_84mo4.990% APR4.990%84 mo · usedStandard
2022-2027 (Minimum Loan Amount $40,000)auto_any_84mo4.990% APR4.990%84 moStandard
New Titled Boats, RVs, & Campers (5 years)boat_new_60mo5.200% APR5.200%60 mo · newStandard
New Titled Boats, RVs & Campersboat_new5.200% APR5.200%newStandard
New Titled Boats, RVs, & Campers (6 years)boat_new_72mo5.500% APR5.500%72 mo · newStandard
New & Used Titled Boats, RVs, & Campers (5 Years)boat_any_60mo5.550% APR5.550%60 mo · anyStandard
New Titled Boats, RVs, & Campers (7 years)boat_new_84mo5.800% APR5.800%84 mo · newStandard
New & Used Titled Boats, RVs, & Campers (6 years)boat_any_72mo5.800% APR5.800%72 mo · anyStandard
New & Used Recreational Vehicles (snowmobiles, jet skis, ATVs) (5 years)rv_any_60mo6.000% APR6.000%60 mo · anyStandard
New & Used Titled Boats, RVs, & Campers (7 years)boat_any_84mo6.050% APR6.050%84 mo · anyStandard
New Non-Titled Recreational Vehicles (3 years)rv_new_36mo6.100% APR6.100%36 mo · newStandard
New Non-Titled Recreational Vehicles (4 years)rv_new_48mo6.200% APR6.200%48 mo · newStandard
New Non-Titled Recreational Vehicles (5 years)rv_new_60mo6.300% APR6.300%60 mo · newStandard
Used Non-Titled Recreational Vehicles (3 years)rv_used_36mo6.700% APR6.700%36 mo · usedStandard
New Titled Boats, RVs, & Campers (10 years)boat_new_120mo6.800% APR6.800%120 mo · newStandard
Used Non-Titled Recreational Vehicles (4 years)rv_used_48mo6.800% APR6.800%48 mo · usedStandard
Used Non-Titled Recreational Vehicles (5 years)rv_used_60mo6.900% APR6.900%60 mo · usedStandard
New & Used Titled Boats, RVs, & Campers (10 years)boat_any_120mo7.050% APR7.050%120 mo · anyStandard
New & Used Titled Boats, RVs, & Campers (5 years)boat_any_60mo8.050% APR8.050%60 mo · anyStandard

HELOC rates

5 offers
RT Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
7-Year Home Equity Loan (Fixed)heloc_fixed4.500% APR4.500%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed5.100% APR5.100%—Standard
80% LTV Fixed Rate - Second Positionheloc_fixed5.250% APR5.250%—Standard
15-Year HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
80% LTV (Variable & Fixed Rate Available)heloc_fixed6.750% APR6.750%—Standard

Personal loan rates

10 offers
RT Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured5.740% APR5.740%—Standard
Home Improvement Loan (5 years)personal_unsecured_60mo7.740% APR7.740%60 moStandard
Home Improvementpersonal7.740% APR7.740%—Standard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo7.800% APR7.800%24 moStandard
Personal Line of Creditploc_variable7.900% APR7.900%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.300% APR8.300%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo9.300% APR9.300%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.740% APR9.740%60 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.300% APR10.300%60 moStandard
60-Month Debt Consolidation Loanpersonal_unsecured_60mo13.240% APR13.240%60 moStandard

Student loan rates

2 offers
RT Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Graduate Tuitionstudent4.710% APR4.710%—Standard
Graduate Loanstudent5.210% APR5.210%—Standard

Credit card rates

1 offer
RT Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card9.900% APR9.900%—Standard

Savings & CD rates

10 offers
RT Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Draft Checkingsavings0.05% APY0.05%—Standard
Regular Sharessavings0.15% APY0.15%—Standard
6-Month Certificateshare_certificate_6mo1.15% APY1.15%6 moStandard
12-Month Certificateshare_certificate_12mo1.15% APY1.15%12 moStandard
18-Month Certificateshare_certificate_18mo1.45% APY1.45%18 moStandard
24-Month Certificateshare_certificate_24mo1.75% APY1.75%24 moStandard
18 Month Term Sharescd_60mo2.20% APY2.20%60 moStandard
24-Month Certificatecd_24mo2.20% APY2.20%24 moStandard
Regular Sharescd_120mo2.20% APY2.20%120 moStandard
12-Month Certificatecd_12mo2.20% APY2.20%12 moStandard

Equipment loan rates

1 offer
RT Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Equipment (5 years)equipment_60mo5.240% APR5.240%—Standard

Other rates

1 offer
RT Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
80% LTV Fixed Rate - First Positionother4.500% %4.500%—Standard

Vehicle loans available from 3.99% APR for 60 months. HELOC rates from 4.5% APR. Personal loan rates from 5.74% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 2.20% APY. Equipment loans from 5.24% APR.

Source: RateAPI.dev, verified from RT Credit Union's official website

Loading branch locator…

About RT Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
3.2K
Assets
$57.4M
Founded
1958
Locations reported
3
NCUA charter
12624
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AccessRome Office · Rome · NY · 13440Branch in the same ZIPAmericuHeadquarters · Rome · NY · 13440-2430Branch in the same ZIPFirst SourceFirst Source Federal Credit Union · Rome · NY · 13440Branch in the same ZIPG.p.o.GPO Federal Credit Union · Rome · NY · 13440Branch in the same ZIPRomeRome Federal Credit Union · Rome · NY · 13440Branch in the same ZIPMohawk Valley9212 River Rd · Marcy · NY · 13403About 10.3 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join RT Credit Union

Membership eligibility from RT Credit Union's own published criteria. How we verify this.

Community charter: live/work in NY

  • LocationNY

Verified from RT Credit Union's membership page. Final membership determination is always made by the credit union.

Work at RT Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where RT Credit Union ranks against New York peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does RT Credit Union offer?

RT Credit Union currently offers vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are RT Credit Union rates updated?

RateAPI verifies RT Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get RT Credit Union's rate data?

Rate data is collected directly from RT Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are RT Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, RT Credit Union offers vehicle loans from 3.99% APR.

What is RT Credit Union's HELOC rate?

As of August 4, 2026, RT Credit Union offers home equity lines of credit from 4.5% APR.

What is RT Credit Union's personal loan rate?

As of August 4, 2026, RT Credit Union offers personal loans from 5.74% APR.

What is RT Credit Union's best CD rate?

As of August 4, 2026, RT Credit Union offers savings and certificate (CD) yields up to 2.20% APY.

Related Rate Data

Compare RT Credit Union's rates against national credit-union benchmarks.

More New York credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track RT Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for RT Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/rt" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude