Valid government issue ID, proof of address and a minimum $5 deposit are required for membership. Some terms and conditions may apply. 

*APR = Annual Percentage Rate. Maximum APR:  18%.  The minimum loan term is 6 months.  The maximum loan term is 60 months. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. The actual rate may vary based on credit worthiness and term. Rates, terms, and conditions are subject to change. The .25% discount applies to only approved loans and is applicable on applications received through 8/30/2024 at 12:00 a.m. Payment example: $15,000.00 borrowed for a 5 – year term at an APR of 9.25% = 60 Monthly Payments of $313.20, with total interest of $3791.91 paid.   Ridgedale Federal Credit Union membership and a minimum balance of $100 is required to apply for a loan. All documents must be accepted by the Lending Department for same day decision.  All loans are subject to credit approval.