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Loan Center

Welcome to our online loan center! Please check out our loan rates, mortgage rates, or even fill out an online loan application.

Loans
Your Credit Union offers every type of consumer loan:

A big advantage is that all of your loan obligations can be budgeted and paid through payroll deduction.

VISA
Your Credit Union has one of the best VISA cards in town. Just look at some of the advantages:



Loan Applications



To apply for a loan, follow the 3 easy steps:

  1. Download the loan application.
  2. Complete the application form.
  3. Save the loan application document on your computer, then close the document.
  4. Send the application to us in one of the following ways:
    • e-mail by attaching the document then send to loans@rocmon.org
    • FAX to 585-546-3745
    • US Mail: 460 N. Goodman Street, Rochester, NY 14609
  5. Please note that a copy of a recent pay stub is required to close the loan.

Rates

Loan Rates Schedule of Fees Investment Rates Share Certificate

Effective as of: July 3, 2017
Automobile
DescriptionAPR*
New Auto (w/FICO of 680 or higher ) 60 mo2.0%
New Auto(yrs 2017 and 2018) 24 mo2.75%
New Auto(yrs 2017 and 2018) 36 mo2.85%
New Auto(yrs 2017 and 2018) 48 mo3.10%
New Auto(yrs 2017 and 2018) 60 mo3.25%
New Auto(yrs 2017 and 2018) 72 mo3.75%
Used Auto(yrs 2014 - 2016) 36 mo3.75%
Used Auto(yrs 2014 - 2016) 48 mo3.90%
Used Auto(yrs 2014 - 2016) 60 mo3.99%
 
Personal Credit
DescriptionAPR*
VISA11.90%
Personal Loan 1.9.50%
Personal Loan 2.10.50%
Personal Loan 3.11.50%
Personal Loan 4.16.00%
Recreational6.25%
Home Improvement Loan7.00%
Share Savings Pledge2.50%
 
Mortgage Rates
Variable Rate HE L-O-C (Home Equity Line Of Credit)
Home Equity Line of Credit w/80% LTV3.75% Floor Rate10 Year Term
Home Equity Line of Credit w/90% LTV4.25% Floor Rate10 Year Term

Calculators

The calculators are for limited informational purposes only.

Financial decisions should not be made based solely on the results from these calculators.
Always consult with your accountant or other professional advisors when making
such decisions.

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