Picture of teenager behind the wheel of a car, smiling with keys in her hand

Welcome Information

Welcome to R-G Federal Credit Union! If you financed through one of our dealer partners, you will receive a welcome packet in the mail from R-G Federal Credit Union. This packet will have information on your loan, your payment, and our credit union’s products and services. You will also receive a payment coupon book in the mail. If you choose to mail your payments, please send your check with the appropriate payment coupon for faster processing. New coupons will be periodically mailed until your loan is paid in full. Getting a new auto loan should be easy. That’s why we’ve created this auto loan cheat sheet, so you can find all the answers you need!

Payment Options

You have several choices when it comes to making your loan payments.

Insurance Information

Your new auto loan requires that R-G Federal Credit Union be listed as the lien holder on your vehicle and that you have full-coverage insurance with no more than a $1000 deductible.

To submit proof of insurance (only one method is required):

I’m switching insurance companies. What do I do?

Title & Registration Process

The dealership you purchased your new vehicle from will provide you with the title work you need to register and tag your vehicle. If you don’t have plates to transfer, the dealer will offer you a 30-day temporary permit. You have 30 days to register/tag your new car. Once you’ve provided the required information and payment (including sales/use tax and registration fees) to the license office, they will give you a new license plate and receipt for registration. Your title will be mailed to you from the state of Missouri (if you’re registering in a state other than MO, some states have electronic registration and do not mail titles). For more information, or to estimate sales tax, visit: MO DOR.

Please provide R-G FCU with a copy of the title after you receive it, or registration paperwork you receive from the license office if registering outside the state of MO.

Please note: R-G FCU must be listed as lienholder on both the title and registration.

What happens when I pay off my loan?

After you pay off your loan financed through R-G Federal Credit Union, it will take about 10 days to receive your lien release. Once you’ve received your lien release through the mail, you may take it to the license office to receive a clear title, but you are not required to do so. Just keep a copy of the lien release letter in a safe place with your MO title. For states with electronic registration, you will need to send a copy of the lien release to obtain a paper title.

Outside the state of Missouri? Please check with your local Department of Motor Vehicles for details regarding the registration process. Click here for more information.

Monthly Statement Information

You’ll receive monthly statements for your auto loan. These statements will mention a couple details that you’ll want to take notice of.
After you pay off your loan, statements will go to quarterly if you do not have a transaction account (checking account) or another loan.

Take Advantage of Your R-G Federal Credit Union Membership

As a member of R-G FCU, you have access to our many deposit and loan products. At R-G FCU, our primary goal is to encourage members to save money. We hope you benefit from your membership and we pledge to help you every step of the way.

The Difference Between a Credit Union and a Bank

A credit union is a not-for-profit, member-owned financial cooperative. It’s different from a bank in many ways. At a credit union, every member is an owner and has a share. We operate to promote the financial well-being of our members. Our board of directors is comprised of member-volunteers who make decisions based on what’s best for our members, not a bunch of stockholders looking to profit from their ownership. Credit unions return their profits to members through lower rates on loans and higher rates on savings products.

Being a member of a credit union definitely has perks. Are you interested in learning more about what it really means to be an R-G FCU member? Check out the following links for more information.