Consumer Loans with Great Rates, Flexible Terms

An RTN consumer loan is a great choice to help you finance a project or purchase, consolidate your bills or treat yourself and your family to that dream vacation. Whatever your borrowing needs are, our experienced staff will work with you to make sure your questions are answered and you get the loan product that’s right for you.

Smart CHOICE Personal Loan (Unsecured)

Our Smart CHOICE personal loan is a straight-forward, no-nonsense loan you can use for any reason. Make a major purchase, pay off a high-rate credit card—your loan, your choice. Qualified members may borrow up to $15,000 at a great low rate and take up to five years to repay.

Apply for an RTN Smart CHOICE personal loan.

Personal Loans (Unsecured)

We finance RTN Personal Loans at great low rates and attractive terms from one to five years (longer terms may be available). If you’re looking to establish credit, an RTN Personal Loan can be an effective way for you to borrow modestly and build a credit rating by making on-time payments through the convenience of payroll deduction. You can repay your Personal Loan early without a pre-payment penalty.

Apply for your Personal Loan.

Peace of Mind Loans (for new members only)

Just joined RTN and looking to consolidate your loans? Our Peace of Mind Loan may be the right choice for you! This loan is available for new members within 60 days of joining RTN Federal Credit Union. You can borrow a maximum of $12,000 at a great low rate.

Apply for your Peace of Mind Loan.

Main Share Secured Loans

If you’d like to rebuild your credit the smart way, an RTN Main Share Secured Loan is a great option. With this loan, you can borrow against the balance in your Share Savings Account. This way, you don’t need to deplete the funds in your account and you continue to earn dividends (where applicable). Enrolling in payroll deduction makes the repayment process easy and without a pre-payment penalty.

Apply for your Main Share Secured Loan.

Overdraft Protection Loan

An Overdraft Protection Loan protects you when payments exceed the available balance in your Checking Account. It guards against checks being returned after the funds in your Share Savings Account have been transferred to cover the amount of the checks presented. Your credit line will be accessed automatically to cover payments. Depending on the credit limit previously established, an Overdraft Loan is advanced to cover the withdrawal amounts.

Apply for your Overdraft Protection Loan.

Vacation Loans and Holiday Loans

Consumer loans are not all about covering unexpected situations. Take a summer hiking vacation or a winter holiday ski trip financed with an RTN Vacation or Holiday Loan. Our low rates, which are available year-round, can make it possible for you and your family to create those special moments.

Apply for your Vacation/Holiday Loan.

Apply for an RTN Consumer Loan:

  • At any RTN branch during business hours
  • Online, 24 hours a day, 7 days a week
  • Call Member Services, 781-736-9900, option 5, any time of day or night

Not a member? Join RTN today!