Give your finances a lift with a personalized loan designed to fit your unique needs and budget.
Apply For Your Personal Loan with R1CU
Credit Builder
Building credit is easier than you think. With on-time payments on this small loan, you can strengthen your credit and unlock bigger opportunities.
Available Benefits
Share Secured
Protect your savings and build credit with our Share Secure loan. Use your account funds as collateral for a low-rate loan, allowing you to make purchases without touching your savings.
Available Benefits
Home Improvement
Why choose a Resource One Home Improvement Loan over a traditional mortgage lender? Enjoy a competitive fixed rate, usually lower than mortgage rates, same-day funding, and no home collateral required.
Available Benefits
Citizenship
We understand the complexities of the immigration process and are here to support you. Our Citizenship Loans help cover costs on your path to U.S. citizenship, with a fee-based option available for those who prefer to avoid interest.
Available Benefits
We Accept: ITIN
At R1CU, we’re committed to inclusive financial services and are proud to accept the ITIN as a valid form of identification. This allows us to better serve those without a Social Security Number (SSN). With our ITIN lending option, eligible individuals can access a range of exclusive member benefits, including:
Auto Loans, Citizenship Loans, Membership, Spending Accounts, Savings Accounts, and more!
What makes this different from other loans? Nothing! ITIN borrowers receive the same terms and conditions as those with a Social Security Number. Ready to get started or have questions? Our team is here to help. Contact us at 800-375-3674, visit us in person, start an online application (for membership or a loan), or connect through our Video Banking service.
Current Rates
| apr |
|---|
| as low as 12.99% APR |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 06, 2025. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| loan | term | apr |
|---|---|---|
| Getting Started | 12 month | 12.24% APR or 0.00 APR that includes an application fee |
| Road to Citizenship | 24 month | 12.74% APR or 0.00 APR that includes an application fee |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 06, 2025. Rates are subject to change without notice. |
||
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| apr |
|---|
| Rates as low as 9.49% APR |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. Restrictions may apply; see credit union for details. Rates as of July 06, 2025. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
ITIN Lending
Resource One Credit Union is proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). We approach every member the same: Creating lasting value with the right mix of products and services to assist in securing the financial future of all our members. All credit union members, whether they open their accounts with a social security number or an ITIN have access to the same low rates. If you are an ITIN holder, Resource One is here for you:
Ready to Get Started?
Virtual Branch
Ready to apply now, meet with our virtual branch staff through video chat.
