Go places with the bike you want
Get a loan for a bicycle, electric bike, or related equipment.
Overview
Afford the bike you want while reducing your environmental impact and saving money on gas, car maintenance, and parking fees.
Rates*
All RatesEstimate your monthly payment
Monthly Payment
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1
Step One
Apply online.
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2
Step Two
Get approved.
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3
Step Three
Buy a bike and equipment.
Why Choose RCU?
At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
Named one of America’s Best Credit Unions by Newsweek
Recognized by Forbes as one of America’s Best Small Employers 2023
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Get a bike loan, get exercise, and explore the world around you
If you're looking for a way to purchase a new, used, or electric bicycle or other related equipment, then we can help you find the bicycle loan option that best fits your needs.
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*Rates are effective June 22, 2025 and are subject to change without notice. All rates, terms, and special offers subject to change. Bicycle may be financed up to 120% Loan-to-Value of the bicycle including the cost of accessories. Certain restrictions may apply. Calculate rates & payments
Rates
Bicycle loan online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can apply for a loan through RCU if you meet any of the following criteria:
- 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.
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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