☰

Home›
Credit Unions›
RTP Federal Credit Union

iAdvertiser Disclosure

RTP Federal Credit Union Rates & Review May 2026

Q: How many branches does RTP Federal Credit Union operate?

RTP Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join RTP Federal Credit Union?

Yes, to access services at RTP Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, RTP Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 12, 2026

RTP Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of RTP Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Rates were last updated on 05/12/2026.

RTP Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RTP Federal Credit Union? Share your experience about RTP Federal Credit Union by leaving a review below, or read customer reviews before you decide to use RTP Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Lower than avg

RTP Federal Credit Union
RTP Federal Credit Union

384 Davis Dr
Morrisville, NC 27560 6336

https://www.rtpfcu.org

RTP Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loans	-	-	5.75%
Details As Low As; Maximum loan-to-value is 100% Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity Line of Credit	-	-	7.75%
Details As Low As Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity Line of Credit	-	-	8.00%
Details As Low As Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

RTP Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.49%
Details As Low As; Fixed rates only. 125% Financing available. Flexible terms available. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
First Time Auto Loans	-	-	8.50%
Details As Low As; Terms up to 63 months. Maximum loan amount is $15,000. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

RTP Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	10.00%
Details Regular APR: 10.00% - 16.00% Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
First Time Visa	-	12.00%
Details As Low As Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

RTP Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	9.99%
Details Fixed Rates only. Terms available up to 60 months. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for RTP Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather RTP Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RTP Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RTP Federal Credit Union

Website https://www.rtpfcu.org

Address 384 Davis Dr, Morrisville, NC 27560 6336

Phone 919-941-5700

Fax 919-484-8435

President Cynthia Bland

CEO Charles Venable

Full-Time Employees 30

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.12%

Return on Assets (ROA)

0.1761%

Return on Equity (ROE)

2.2353%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

142,576,208

Total Amount of Shares and Deposits

131,015,232

Total Shares and Deposits < 1 Year

129,830,976

Total Shares and Deposits 1 3 Years

793,141

Total Shares and Deposits > 3 Years

391,115

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,147,813

Total Uninsured Shares and Deposits > $250K (F+J)

4,147,813

Total Insured Shares and Deposits > $250K (item 17 less item K)

126,867,419

Total Interest Expense (Sum of items 6 8)

984,746

Share Certificates

857

Number of Accounts for Share Drafts

5,168

IRA KEOGH Accounts

430

Number of Accounts for Regular Shares

10,605

Money Market Shares

582

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,528,709

Total Liabilities

132,176,030

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

RTP Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/r-t-p-federal-credit-union-rates-review-18550">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for RTP Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for RTP Federal Credit Union

Frequently Asked Questions About RTP Federal Credit Union

How many branches does RTP Federal Credit Union operate?

RTP Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RTP Federal Credit Union?

Yes, to access services at RTP Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RTP Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RTP Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does RTP Federal Credit Union offer online and mobile banking?

Most modern institutions like RTP Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rtpfcu.org.