Debt consolidation loan
Make your visit as fast and efficient as possible by providing the items below at your appointment.
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What you will need
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Current statements
Current statements for all debt you will be consolidating, including account numbers, payoff addresses, and 10-day payoff amounts. Payoff address may be different from regular payment address – please confirm directly with your biller.).
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Additional documentation
Any other documents as required by your loan officer.
Count on a good experience
During the appointment, we’ll help you choose the right services for your needs, open your account, and make sure you have secure, convenient access 24/7 with RCU online or mobile banking.
Get started online
Save time with our easy online application.
Debt Consolidation Appointment
RCU online application
Not a Member?
Begin your loan application. Review our Membership requirements below to determine if you are eligible.
Already a Member?
Log in to RCU online banking to start your prefilled application.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Already applied in person or over the phone?
To check the status of your loan, view any loan conditions, or to upload any requested documents.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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