Personal Loan RATES AS LOW AS 6.65% . O APR* RATES AVAILABLE FOR ALL CREDIT QUALITY 401.568.6271 ricreditunion.org CREDIT UNION More than just banking Annual Percentage Rate (APR) is for terms up to 12 months. Minimum loan amount is $1,000. For example, the monthly payment for a 12-month loan is $86.38 per $1,000 borrowed. Rate based on individual creditworthiness and subject to change without notice. Other rates and term available. Certain restrictions apply.