Apply for a great rate, first lien or second/HELOC home loan with RCU. It's easy, convenient, and secure to apply online. Whether you're purchasing a new home or refinancing your existing loan, you'll appreciate our competitive advantages and friendly environment.

Visit a branch or, better yet, go through the process yourself any time of the day or night. Our computer is very patient and responsive - go as slow or as fast as you like and receive a preliminary decision in just minutes!

To offset a portion of our third party costs on a first lien loan, there is a $15 application/credit report fee that may be paid online during the process. The fee is non-refundable, but is credited back to you if your loan funds.