Loan Rates

The following loan rates are effective on January 1, 2018.

Vehicle Loan
TermAPR* as low asEstimated Monthly Payment/Per $10,000
New Vehicle
24 months1.99%$425.37
36 months1.99%$286.39
48 months1.99%$216.92
60 months1.99%$175.25
72 months2.59%$180.10
84 months4.00%$136.70
Used Vehicle NADA Retail & Trade
24 months1.99%$425.37
36 months1.99%$286.39
48 months2.24%$218.01
60 months2.24%$176.34
72 months2.74%$150.80
RV and Boat
TermAPR* as low asEstimated Monthly Payment/Per $10,000
36 months4.35%$296.79
60 months4.50%$186.44
72 months5.75%$164.56
84 months6.00%$146.10
144 months6.75%$101.53
Visa® Credit Cards
TermCredit Limits
APR* as low as
VISA® Platinum$250 – $25,000Prime + 4.60%
VISA® Platinum Rewards$250 – $25,000Prime + 6.60%
Personal Line of Credit
TermAPR* as low as
Personal Line of Credit (maximum $25,000)Prime + 5.50%
Signature Loan
TermAPR* as low asEstimated Monthly Payment/Per $10,000
12 months8.25%$871.04
24 months8.25%$453.41
36 months8.25%$314.52
48 months8.25%$245.30
60 months8.25%$203.96
Debt Consolidation Loans
(maximum $25,000)
TermAPR* as low asEstimated Monthly Payment/Per $10,000
60 months13.50%$230.10
Home Equity Line of Credit
TermAPR* as low as
80% FinancingPrime - .50%
90% FinancingPrime - .25%
Fixed Rate Home Equity Loan
Fixed Equity ProductsAPR*Maximum Combined LTVEstimated Monthly Payment/Per $10,000
1 to 5 Years3.75%80%$183.07
1 to 5 Years4.49%90%$186.42
6 to 10 Years4.49%80%$103.80
6 to 10 Years5.00%90%$106.38
11 to 20 Years5.50%80%$68.97
11 to 20 Years5.90%90%$71.26
View our current Mortgage rates.

Share-Secured Loan
(maximum is available share balance)^
60 months or Share Certificate Maturity Date3.00% Above Share Rate
Certificate- Secured Loan
(maximum is available share balance)^
Term APR*
60 months3.00% Above Certificate Rate

Deposit Account Rates

The following deposit rates are effective on January 1, 2018.

Share Certificates
Balances**TermDividend RateAPY*
$500 minimum6 months0.75%0.75%
$100,000 minimum6 months0.80%0.80%
$500 minimum12 months^1.50%1.51%
$100,000 minimum12 months^1.55%1.56%
$500 minimum20 months (Bump Up)^1.60%1.61%
$100,000 minimum20 months (Bump Up)^1.65%1.66%
$500 minimum24 months^1.75%1.76%
$100,000 minimum24 months^1.80%1.81%
$500 minimum36 months^1.85%1.86%
$100,000 minimum36 months^1.90%1.92%
$500 minimum48 months^2.00%2.02%
$100,000 minimum48 months^2.10%2.12%
$500 minimum56 months (Bump Up)^2.10%2..12%
$100,000 minimum56 months (Bump Up)^2.15%2.17%
$500 minimum60 months^2.35%2.37%
$100,000 minimum60 months^2.40%2.42%
^Rates include the Sweet Deal offer (additional .25% APY*).
Young Adult Share Certificate
Balances^TermDividend RateAPY*
$50 minimum24 months1.50%1.51%
Money Market Account
Balances^Dividend RateAPY*
$1,000 - $4,999.990.25%0.25%
$5,000 - $9,999.990.30%0.30%
$10,000 - $24,999.990.35%0.35%
$25,000 - $49,999.990.40%0.40%
$50,000 - $74,999.990.45%0.45%
$75,000 - $99,9990.50%0.50%
Club Accounts
Balances^Dividend RateAPY*
Holiday Club Savings0.35%0.35%
Vacation Club Savings0.35%0.35%
Secondary Savings
Balances^Dividend RateAPY*
$25 - $1,4990.15%0.15%
$1,500 and up0.25%0.25%
Prime Share and Young Adult Primary Savings
Balances^Dividend RateAPY*
$25 - $1,4990.15%0.15%
$1,500 and up0.25%0.25%
BalancesDividend RateAPY*
Up to $1,4990.05%0.05%
$1,500 and up0.20%0.20%
Young Adult Checking
Balances^Dividend RateAPY*
Up to $4993.00%3.01%
$500 to $1,4990.05%0.05%
$1,500 and up0.20%0.20%
HSA (Health Savings Account)
Balances^Dividend RateAPY*
$0 - $1,999.990.60%0.61%
$2,000 - $4,999.990.85%0.86%
$5,000 - $14,999.991.10%1.11%
$15,000 - $24,999.991.35%1.36%
$25,000 +1.60%1.61%
IRA (Individual Retirement Account)
Balances^Dividend RateAPY*
$10 minimum deposit0.45%0.45%

*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ. The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio and aggregate credit score. Discount APR. 0.25% discount if you have a IFCU checking account, direct deposit (minimum of $500 monthly), e-statements and a VISA Debit Card. Late charges in an amount not greater then 20% of the interest due with a minimum not less then $5.00 shall be assessed at the option of the credit union on payments not received within fourteen (14) calendar days of the due date.

^Loan rates are determined based on the dividend rate for the securing account. These funds pledged as collateral for the loans must remain at the same balance as the loan.

The Home Equity Line of Credit is a variable rate loan. The interest may be tax deductible. Consult your tax advisor. HELOC loans are available to owners of single family, townhouses and condominiums except for FL, TX, NM, OK and ND. For single family homes/townhouses, borrow up to 90% (80% for condominiums) of current appraised value minus any first mortgage balance. Property insurance is required. Flood insurance may be required.

Fixed Rate Home Equity Loans are available in all states except FL and TX.


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