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Routing# 252279414 • Like us on Facebook! • Follow us on Instagram @romneyfcu1955•
Please Note: Credit Scores must be a minimum of 630 to qualify for a loan at Romney FCU. Applications with scores below 630 may be denied per Romney FCU policy.
Collateral Protection Insurance Policy:
Most of our loans secured by personal or real property require ongoing insurance coverage.
If your insurance is due to renew, had a change in provider, has been canceled, obtained a new loan or you have not listed Romney FCU as a lienholder, you may receive a letter or phone call requesting updated insurance information. If you receive a letter/call, you can either have your insurance agent fax the Declaration Page to 304-359-2423 or mailed to our office at 62 W. Main St. Romney, WV 26757.
| Description | Term | Rate | |
| New Auto | 2026-2025 | 36 months | as low as 4.24% |
| – | – | 48 months | as low as 4.24% |
| – | – | 60 months | as low as 4.74% |
| – | – | 72 months | as low as 5.24% |
| – | – | 84 months | as low as 5.99% |
| Used Auto | 2024-2018 | 36 months | as low as 4.74% |
| 48 months | as low as 4.74% | ||
| – | – | 60 months | as low as 5.49% |
| – | – | 72 months | as low as 6.24% |
| – | – | 84 months | as low as 6.99% |
| Used Auto | 2017-2013 | 48 months | as low as 6.99% |
| – | – | 60 months | as low as 7.24% |
| – | – | 72 months | as low as 7.49% |
| – | – | 84 months | as low as 7.99% |
| Used Auto | 2012-Older | 48 months | as low as 8.99% |
| – | – | 60 months | as low as 9.24% |
| – | – | 72 months | as low as 9.49% |
| New Motorcycle | 2024-2023 | – | Auto rate + 2.00% |
| Used Motorcycle | 2022-Older | – | Auto rate + 2.00% |
| Boats, Off Road ATV/UTV, Dirt Bike, Jet Ski | – | – | – |
| New | 2025-2024 | Auto rate + 2.00% | |
| Used | 2023-Older | Auto rate + 2.00% | |
| RV, Motorhomes, Pull Behind, 5th Wheel Finance up to 90% of the value | 2025-2024 | 60 Months | Rates as low as 8.99% |
| 2023-Older | 60 Months | Rates as low as 9.25% | |
| Lawn & Farm Equipment, Utility Trailer | – | Finance up to 100% of the Value | – |
| New | 2025-2024 | 60 Months | Rates as low as 8.99% |
| Used | 2023-Older | 60 Months | Rates as low as 9.25% |
APR – Annual Percentage Rate. Romney FCU assumes no responsibly for errors or omissions. Please contact the credit union to verify current rate(s) or additional information. The APR on an open-end loan is subject to change during the term of the loan. Any loan not marked as open-end is closed-end. Rates are subject to terms and conditions.
Closed End Loans
Closed end loans have a specified term for pay back, a stated payment and a fixed interest rate.
Repayment Example: An example of a loan repayment would be 60 monthly payments of $357.07 at a fixed APR of 2.74% for $20,000 borrowed. Please contact a loan officer at any Credit Union office, or use our online Loan Calculator. In this example, the rate does not change during the term of the loan.
Open End Loans
The finance charges includes just the interest charged on the outstanding balance. The rate is variable and subject to change.
Risk Based Lending
Romney Federal Credit Union uses a risk based lending policy to determine a member’s interest rate. In processing a loan application, the credit bureau provides Romney Federal Credit Union with a calculated credit score. Rates are based on credit risk, vehicle year, term, amount financed and any required down payment.
The purpose in offering risk based loans is to help as many members as possible. We recognize that certain members represent more risk than others. We will not grant loans where the probability of repayment is very doubtful. We recognize the importance of managed risk. We also recognize members who are charged unfavorable rates with other lenders, and we could help with a managed risk program that saves these members substantial money while helping them rebuild their credit.