Loans
Lending Made Easy
Lending Made Easy
We offers multiple lending opportunities with our member’s best interest in mind. For your convenience we can set up your payments on payroll deduct.
We Can Beat Other Banks Rates
View our rates below. We are available for any questions you may have, give us a call!
We pride ourselves on offering personalized service tailored to your specific needs. We think of our clients as family and we will do everything we can to meet your specific needs.
(505) 864-4740
Apply Online
Drop by our branch at 300 N 6th St. Belen, NM 87002
Personalized Service
We pride ourselves on offering personalized service tailored to your specific needs. We think of our clients as family and we will do everything we can to meet your specific needs.
Financial Wellness
We care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. Learn More
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Christmas Loan
QUALIFICATIONS
Existing member who has had a minimum of a (12) month positive payment history with RECU in the last 12 months.
No 30 day late payments in the last (12) months with RECU.
Consideration will be given to those members who previously had a (12) month positive payment history with RECU in the last (24) months.
NON-QUALIFYING LOAN REQUESTS
Non-members.
New members with a current loan payment history of less than (12) months with RECU.
Members who have been (30) days or more past due with RECU in the last (12) months.
No identifiable source of repayment.
Disclosure: Loan amount $2,000 @ 20.874% APR for 12 months = $187.00 monthly payment. APR based on fixed interest rate of 18.00%. RECU reserves the right to deny the extension of credit under this program and the amount members may qualify for is subject to income guidelines.
Applications will be accepted starting Nov. 1st, 2025.
AUTO Loan | New & Used
You can own a new/used vehicle with low-rate financing, flexible terms and no down payment required! You can apply in minutes online, or simply call us or visit us at our branch in Belen. See table below for rates.
AUTO Loan Rates
| CARS & TRUCKS | APR (AS LOW AS) |
| New or used 2021-2025 | 5.99%* |
| Used Vehicles 2016-2020 | 6.49%* |
Loan rates and term are based on the credit worthiness of the borrower.
Rates are subject to change without notice. APR is an abbreviation of Annual Percentage Rate.
*APR: 5.99% Maximum terms apply.
Refinance Your Auto Loan!
You can apply to refinance in minutes online, or simply call us or visit us at our branch in Belen. Click here to apply online.
Signature | Personal Loan
Depending on your needs and your financial situation, you can apply for a loan that helps with things like emergency home or car repairs, an unexpected large purchase, or to cover an unforeseen expense.
Credit Builder Loan
A Credit Builder Loan is specifically designed to help you build or rebuild your credit history.
Share Secure Loan
Share secured loans are essentially a way for you to borrow, using your own savings as the collateral. Instead of using all your savings to make a purchase, thus losing out on all future dividends and your emergency safety net, you’re borrowing against that sum while your money stays in your account.
Recreational Loan
We can finance your new or used RV, trailer, camper, motor home, or other recreational vehicle. Already have an RV loan financed with another lender? We will help you refinance so you could lower your monthly payments and save thousands over the life of your loan!
Real Estate Loan
Please contact Ed Viramontes or Renee DeLoia with questions regarding Real Estate loans.
Home Equity Loan
Finance a major purchase or project by accessing the equity in your home with RECU’s home equity loans.
As a member of RECU, you have access to competitive rates, local service, and fast underwriting.
Our home equity loans offer low fixed rates, affordable payments, and flexible terms; interest may be tax deductible.
"Keeping our Railroad Family on Track since 1955!"
505-864-4740
Routing #307084004