--- title: "R T P Credit Union Rates - North Carolina" description: "Current vehicle loan, heloc, personal loan, and credit card rates from R T P Credit Union in North Carolina. Updated daily with source verification. See who can join R T P Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/r-t-p" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # R T P Credit Union Rates - North Carolina ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **(strong)Auto Loans (/strong)** auto | — APR | 3.990% | — | Standard | | **(strong)Motorcycle Loans(/strong)** motorcycle | — APR | 6.740% | — | Standard | | **(strong)RV & Boat Loans(/strong)** rv | — APR | 6.750% | — | Standard | | **(strong)First Time Auto Loans(/strong)** auto | — APR | 8.500% | — | Standard | R T P Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Maximum loan-to-value is 100%** heloc | — APR | 5.750% | — | Standard | | **HELOC ($15,000 and Over)** heloc_variable | — APR | 7.500% | — | Standard | | **HELOC ($5,000 to $15,000)** heloc_variable | — APR | 7.750% | — | Standard | R T P Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **(strong)Home Improvement Loans(/strong)** personal | — APR | 7.490% | — | Standard | | **(strong)Overdraft Protection(/strong)** personal | — APR | 9.000% | — | Standard | | **(strong)Debt Consolidation Loans(/strong)** personal | — APR | 9.990% | — | Standard | | **(strong)Personal Loans(/strong)** personal_unsecured | — APR | 9.990% | — | Standard | R T P Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **(strong)Visa Credit Cards(/strong)** credit_card | — APR | 10.000% | — | Standard | | **(strong)First Time Visa(/strong)** credit_card | — APR | 12.000% | — | Standard | R T P Credit Union credit card rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **(strong)Technology Loans(/strong)** other | — % | 5.990% | — | Standard | R T P Credit Union other rates as of November 12, 2026 R T P Credit Union is a credit union in North Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/r-t-p) , verified from [R T P Credit Union's official website](https://www.rtpfcu.org/home/home) Loading branch locator… ## About R T P Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.3K Assets $143.9M Founded 1968 Locations reported 4 NCUA charter 18550 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Welcome** Morrisville Branch · Morrisville · NC · 27560 About 0.9 miles away](https://rateapi.dev/credit-unions/north-carolina/welcome) [**State Employees'** RTP · DURHAM · NC · 27703 About 1.9 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Empeople** Cary · Cary · NC · 27513 About 2.9 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**Coastal** Lenovo Development · Morrisville · NC · 27560 About 3.0 miles away](https://rateapi.dev/credit-unions/north-carolina/coastal) [**Navy Federal Credit Union** Brier Creek Pkwy Raleigh NC · Raleigh · NC · 27617 About 4.6 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**U S Postal Service** Raleigh · Raleigh · NC · 27676-9803 About 5.5 miles away](https://rateapi.dev/credit-unions/maryland/u-s-postal-service) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join R T P Credit Union Membership eligibility from R T P Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on R T P Credit Union's website. Check the membership page below to confirm whether you qualify. - Association North Carolina Consumer Council Verified from [R T P Credit Union's membership page](https://www.rtpfcu.org/home/membership/eligibility) . Final membership determination is always made by the credit union. ## Membership rules for R T P Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from R T P Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of North Carolina Consumer Council “You are eligible for for membership by joining the North Carolina Consumer Council.” > [source ↗](https://www.rtpfcu.org/home/membership/eligibility) - Member of North Carolina Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, parent, child, sibling, grandparent, grandchild, stepparent, stepchild, stepsibling, household member “If you are in the immediate family or household of a current RTP Federal Credit Union member, you are also eligible to join the credit union.” > [source ↗](https://www.rtpfcu.org/home/membership/eligibility) - Family member (spouse, parent, child, sibling, grandparent, grandchild, stepparent, stepchild, stepsibling, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for R T P Credit Union? Yes No ## Work at R T P Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where R T P Credit Union ranks against North Carolina peers. - See which AI assistants fetched R T P Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=r-t-p&state=north-carolina&code=NC&name=R%20T%20P%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does R T P Credit Union offer? R T P Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are R T P Credit Union rates updated? RateAPI verifies R T P Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get R T P Credit Union's rate data? Rate data is collected directly from R T P Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join R T P Credit Union? R T P Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for R T P Credit Union, each quoted from R T P Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare R T P Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.rtpfcu.org/home/home) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track R T P Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for R T P Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /r-t-p " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## R T P Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/r-t-p Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp