Loan Rates

The following loan rates are effective on August 1, 2022.  For the current Prime Rate, please visit the Wall Street Journal.

Vehicle Loan

Loan TypeUp to 36 months
APR as low as
37-60 months
APR as low as
61-72 months
APR as low as
73-96* months
APR as low as
New Vehicle1.99%3.25%3.30%3.50%
Used Vehicle1.99%3.50%3.75%4.00%
New automobiles will be defined as those that have not been titled, or those that have been titled within the last 6 months and have less than 7,000 miles.

A loan of  $20,000 for 60 months, at an annual percentage rate of  3.25% APR will have a monthly payment of $361.65. 

A loan of  $50,000 for 96 months, at an annual percentage rate of  3.50% APR will have a monthly payment of $598.01.

*Minimum loan amount is $50,000 for terms of 85-96 months.

RV and Boat

Up to 60 months
APR as low as
61-72 months
APR as low as
73-84 months
APR as low as
85-144* months
APR as low as
4.75%4.75%5.00%5.50%

A loan of  $30,000 for 60 months, at an annual percentage rate of 4.75% APR will have a monthly payment of $562.79. 

*Minimum loan amount is $50,000 for terms of 85-144 months.

Visa® Credit Cards
Visa® Credit Card Rates
TermCredit Limits
APR* as low as
VISA® Platinum$250 – $25,0008.60%
VISA® Platinum Rewards$250 – $25,00010.60%
Personal Line of Credit
Personal LOC Rates
TermAPR* as low as
Personal Line of Credit (maximum $25,000)11.00%
Signature Loan

Up to 36 months
APR as low as
37-48 months
APR as low as
49-60 months
APR as low as
61-72 months
APR as low as
73-84 months
APR as low as
7.50%7.75%8.00%8.75%9.75%

A loan of  $10,000 for 60 months, at an annual percentage rate of 8.00% APR will have a monthly payment of $202.84. 

For debt consolidation loans, 2% will be added to the signature loan rate. As of July 1, 2022, a loan of $10,000 for  60 months, at an annual percentage rate of  10.00% APR will have a monthly payment of  $212.53.

Home Equity Line of Credit
HELOC Rates
TermAPR*
80% Financing5.50%
90% Financing5.75%
For further information regarding Home Equity Lines of Credit click here.

Fixed Rate Home Equity Loan
Fixed Rate Home Equity Loan Rates
Fixed Equity ProductsAPR*Maximum Combined LTVEstimated Monthly Payment/Per $10,000
1 to 5 Years6.00%80%$193.38
1 to 5 Years6.25%90%$194.54
6 to 10 Years7.50%80%$118.75
6 to 10 Years7.75%90%$120.06
11 to 20 Years8.50%80%$86.84
11 to 20 Years8.75%90%$88.43

For further information regarding Fixed Rate Home Equity Loans click here.

Mortgage
View our current Mortgage rates.
Share-Secured Loan
Share Secured Loan Rates
APR*
3.00% Above Share Rate
Certificate- Secured Loan
Certificate Loan Rates
APR*
3.00% Above Certificate Rate
Student Loans

View our current Private Student Loan rates.

View our current Refinance Student Loan rates.

*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. 

^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. 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.

 

Deposit Account Rates

All rates are effective August 1, 2022. Rates are subject to change at any time. Fees may reduce earnings. A fee may be imposed for early withdrawals. For updated information, call 800-914-8619.

Monthly Rates

Primary Savings, Secondary Savings, Young Adult Primary Savings, Little Buffalos & Teen Account

Balances^Dividend RateAPY*
$25 - $1,4990.15%0.15%
$1,500 and up0.20%0.20%

 

Individual Retirement Accounts (IRA), Roth and Education Savings Account (ESA)

Individual Retirement Account (IRA), Roth and Education Savings Account (ESA) Rates

Balances^Dividend RateAPY*
No minimum deposit0.25%0.25%

 

Club Savings Accounts

Club Account Rates

Account TypeDividend RateAPY*
Holiday Club Savings0.20%0.20%
Vacation Club Savings0.20%0.20%

 

Health Savings Account

Health Savings Account Rates

Balances^Dividend RateAPY*
$0 - $1,999.990.05%0.05%
$2,000 - $4,999.990.10%0.10%
$5,000 - $14,999.990.10%0.10%
$15,000 - $24,999.990.15%0.15%
$25,000 +0.20%0.20%

 

Money Market Accounts

Money Market Account Rates

Balances^Dividend RateAPY*
$1,000 - $4,999.990.25%0.26%
$5,000 - $9,999.990.35%0.35%
$10,000 - $24,999.990.40%0.40%
$25,000 - $49,999.990.45%0.45%
$50,000 - $74,999.990.50%0.50%
$75,000 - $99,999.990.55%0.55%
$100,000+0.60%0.60%

 

Checking Account

Balances^Dividend RateAPY*
Up to $1,499.990.05%0.05%
$1,500 and up0.05%0.05%

 

Young Adult Checking Account

Balances^Dividend RateAPY*
Up to $499.993.00%3.01%
$500 to $1,499.990.05%0.05%
$1,500 and up0.05%0.05%

 

Certificates

Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum6 months2.01%2.03%
$100,000 minimum6 months2.11%2.13%
$500 minimum12 months2.41%2.44%
$100,000 minimum12 months2.51%2.54%
$500 minimum20 months (Bump Up)2.65%2.68%
$100,000 minimum20 months (Bump Up)2.75%2.78%
$500 minimum24 months2.75%2.79%
$100,000 minimum24 months2.85%2.89%
$500 minimum36 months3.20%3.25%
$100,000 minimum36 months3.30%3.35%
$500 minimum48 months3.25%3.30%
$100,000 minimum48 months3.35%3.40%
$500 minimum56 months (Bump Up)3.26%3.31%
$100,000 minimum56 months (Bump Up)3.36%3.41%
$500 minimum60 months3.36%3.41%
$100,000 minimum60 months3.46%3.52%

 

Accumulator Certificates

Accumulator Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months2.75%2.79%

 

^Balances are the minimum balances to earn the stated APY.

*APY = Annual Percentage Yield. APY is based on the minimum balances of each tier, except for regular certificates that are based on $20,000. 

More details are available in our Schedule of Fees and Charges and Membership Disclosure.

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0.20%
Our Savings Rate
0.15%
National Avg
SOURCE:
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0.60%
Our Money Market
0.18%
National Avg
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2.54%
Our 1yr Certificate
0.56%
National Avg
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3.52%
Our 5yr Certificate
1.05%
National Avg
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