--- title: Vehicle Loans + Other Recreation Loans from RMCU description: Experience the RMCU difference with our competitive, low-interest vehicle and recreation loans. --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) - - [Home Loans](https://rmcu.net/home-loans?hsLang=en) - [Personal](https://rmcu.net/personal?hsLang=en) - [Business](https://rmcu.net/business?hsLang=en) - [Membership](https://rmcu.net/membership?hsLang=en) - [Careers](https://rmcu.net/membership/about-rmcu/careers?hsLang=en) - [Contact Us](https://rmcu.net/contact-us?hsLang=en) - Search - [Checking](https://rmcu.net/personal/checking) - [Savings](https://rmcu.net/personal/savings) - [VISA Credit Cards](https://rmcu.net/personal/credit-cards) - [Personal Loans](https://rmcu.net/personal/loans) - [Vehicle & Recreation Loans](https://rmcu.net/personal/vehicle-loans) - [Loan & Gap Insurance](https://rmcu.net/loan-gap-insurance) ![rmcu-auto-loans](https://rmcu.net/hs-fs/hubfs/rmcu-auto-loans.png?width=1800&height=1192&name=rmcu-auto-loans.png) # Vehicle Loans + Other Recreation Loans ## Low-interest auto loans and more You found the vehicle. Before you sign at the dealership, make sure you've found the right financing, too. As a member-owned credit union, RMCU offers competitive auto and recreation loan rates you can compare before committing to anything on the lot, with lower interest rates, fewer fees, and local decision-making that gets you an answer fast. Your loan officer will guide you through each step, providing the attentive service only a local credit union can deliver, partnering with neighbors who understand Montana's roads and your financial journey. [Apply Now](https://rmcu.net/personal/vehicle-loans#loan-application) [Contact a Loan Officer](https://rmcu.net/personal/vehicle-loans#loan-officer) ![rmcu-business-checking](https://rmcu.net/hs-fs/hubfs/rmcu-business-checking.png?width=1800&height=1192&name=rmcu-business-checking.png) ## Buying a vehicle? Before you finance through the dealership, see what RMCU can offer. Local decisions, competitive rates, and no application fees mean you can walk in already knowing what a good deal looks like. [Explore Loan Options](https://rmcu.net/personal/vehicle-loans#loan-types) ![rmcu-life-heloc](https://rmcu.net/hs-fs/hubfs/rmcu-life-heloc.png?width=1800&height=1192&name=rmcu-life-heloc.png) ## Already have your vehicle? Your auto loan deserves a second look. Rates change, and so does credit. If it's been a while since you shopped your rate, let's see if RMCU can save you money, no new car required. *Some restrictions apply. On approved credit. Must qualify for membership eligibility. Not all will qualify for the lowest rate. Each account is privately insured up to $250,000 by American Share Insurance. By members' choice, this institution is not federally insured.* [Contact a Loan Officer](https://rmcu.net/personal/vehicle-loans#loan-officer) ![rmcu-auto-loans-rv-2](https://rmcu.net/hs-fs/hubfs/rmcu-auto-loans-rv-2.png?width=1800&height=1192&name=rmcu-auto-loans-rv-2.png) ## With any vehicle loan, you'll enjoy: - Lower loan interest rates than most big banks - Quick turnarounds with decisions made in our local branches - No application fees - A variety of loan types for every situation - It is the kind of member service you’d expect from a credit union - Access to a personal loan officer who’ll help you every step of the way *Some restrictions apply. On approved credit. Must qualify for membership eligibility. Each account is privately insured up to $250,000 by American Share Insurance. By members’ choice, this institution is not federally insured. * [Apply Now](https://rmcu.net/personal/vehicle-loans#loan-application) ![RMCU\_Q4-2025\_MIlitary\_Landing-Page](https://rmcu.net/hs-fs/hubfs/RMCU_Q4-2025_MIlitary_Landing-Page.png?width=1800&height=1192&name=RMCU_Q4-2025_MIlitary_Landing-Page.png) ## Better Rates for First Responders + Military Heroes deserve better rates. That’s why first responders\* and military service members\*\* always get a 0.25% discount on their interest rate on auto and recreational vehicle loans. Better yet, RMCU members can combine this discount with their 0.25% membership discount. It’s our way of saying thank you, by helping you save on the road ahead. \***First Responders:** Police, Fire, Nurses, Doctors, and EMT **\*\*Military:** Active Duty, Retirees, Veterans, Military Spouses, and Military Family Members ## Loan Types In Southwest Montana, cars, campers, boats, and ATVs are a part of our way of life. Whether you’re looking for a dependable car or a toy for this summer’s adventures, contact RMCU for the best interest rates in the region. ### Auto Loans ### Boat loans ### RV & Camper Loans ### Motorcycle & ATV Loans ### Snowmobile Loans ### Refinancing ## With any RMCU checking account, you’ll enjoy: Easy Transition From Your Old Checking Account The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly. Instant Debit Card Issuing Take home your new debit card the same day you open your account. Mobile Wallet Compatibility Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay. Credit Score Insights Monitor your credit using [SavvyMoney](https://www.rmcu.net/savvy-money?hsLang=en), a perk built into your RMCU mobile and desktop app. Electronic Statements Access your account statements securely online through the mobile or desktop app. User-Friendly App Our intuitive [Rocky Mountain Credit Union Mobile App](https://play.google.com/store/apps/details?id=com.mahalo.androidmobile.rocky&hl=en_US&pli=1)makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more. ![kayaking on a lake, an RMCU debit card and the Swipe Checking Logo](https://rmcu.net/hs-fs/hubfs/swipe-checking-graphic.jpg?width=1800&height=1192&name=swipe-checking-graphic.jpg) SWIPE Checking ## Earn cash back every time you use your debit card SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for [youth checking](https://blog.rmcu.net/youth-checking-swipe-checking?hsLang=en) – helping you set your teen up for financial success.  **Why You’ll Love SWIPE** - **Earn 10 cents back** for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.) - No minimum balance. *\*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings.* [Apply Now](https://rmcu.symapp.jhahosted.com/) ## Team Members ![Kelly Boldy](https://rmcu.net/hs-fs/hubfs/2025%20Team/kelly-boldy.webp?width=1500&height=1500&name=kelly-boldy.webp) ### Kelly Boldy Senior Consumer Loan Officer 406.582.6635 Belgrade [kboldy@rmcu.net](mailto:kboldy@rmcu.net) ![michelle-clayton](https://rmcu.net/hs-fs/hubfs/2025%20Team/michelle-clayton.webp?width=1500&height=1499&name=michelle-clayton.webp) ### Michelle Clayton Senior Consumer Loan Officer 406.447.5333 Helena [michelle.clayton@rmcu.net](mailto:michelle.clayton@rmcu.net) ![adam-heimbuck](https://rmcu.net/hs-fs/hubfs/adam-heimbuck.jpg?width=1500&height=1500&name=adam-heimbuck.jpg) ### Adam Heimbuck Consumer Loan Officer 406.447.1088 Helena [Adam.Heimbuck@rmcu.net](mailto:Adam.Heimbuck@rmcu.net) ![RMCU\_headshots\_2021\_0021\_Jeff Dowler](https://rmcu.net/hs-fs/hubfs/RMCU_headshots_2021_0021_Jeff%20Dowler.jpg?width=2000&height=2000&name=RMCU_headshots_2021_0021_Jeff%20Dowler.jpg) ### Jeff Dowler Consumer Loan Officer 406.582.6606 Huffine, Bozeman [jeff.dowler@rmcu.net](mailto:jeff.dowler@rmcu.net)   ![trey-stephens](https://rmcu.net/hs-fs/hubfs/trey-stephens.webp?width=1500&height=1500&name=trey-stephens.webp) ### Trey Stephens Consumer Loan Officer 406.602.4919 Baxter, Bozeman [trey.stephens@rmcu.net](mailto:trey.stephens@rmcu.net) ![paul-jordan](https://rmcu.net/hs-fs/hubfs/paul-jordan.jpg?width=1500&height=1500&name=paul-jordan.jpg) ### Paul Jordan Consumer Loan Officer 406.221.5205 Butte [paul.jordan@rmcu.net](mailto:paul.jordan@rmcu.net) ### Start Your Application ### Get a clear picture of your credit score SavvyMoney is a credit score monitoring tool available to all Rocky Mountain Credit Union members. Learn your current credit score, get personalized tips on improving it, and get alerts to any changes in your credit score. [Learn More](https://rmcu.net/membership/financial-education/savvy-money?hsLang=en) ### Protect Your Home + Your Loan Payments Explore options from our partners for home insurance and loan and gap insurance. [Learn More](https://rmcu.net/loan-gap-insurance?hsLang=en) ## Learn More About Vehicle Loans ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_Cooperative.jpg?width=700&name=RMCU_Cooperative.jpg) In The Community ### [What it Means to Be Part of a Cooperative](https://rmcu.net/blog/what-it-means-to-be-part-of-a-cooperative?hsLang=en) Do you know the difference between a credit union and a bank? It's about being a part of a cooperati... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Primary%20Checking/Blog%20Images/budget-talks-with-spouse.jpg?width=700&name=budget-talks-with-spouse.jpg) Tips from the Pros ### [What You Need to Know About Budget Talks With Your Spouse](https://rmcu.net/blog/what-you-need-to-know-about-budget-talks-with-your-spouse?hsLang=en) Talking money with your spouse can be a challenge but it doesn't have to be. Here are some tips for ... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_mortgageprograms.jpg?width=700&name=RMCU_mortgageprograms.jpg) Home and Mortgage ### [Mortgage Program Basics](https://rmcu.net/blog/mortgage-program-basics?hsLang=en) We put together a few quick explanations of mortgage program basics to help you know what is availab... Keep Reading ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. Stay Here Continue ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

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