Loan Rates

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

Vehicle Loan
Vehicle Loan Rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
New Vehicle
24 months2.19%$426.24
36 months2.24%$287.48
48 months2.25%$218.05
60 months2.25%$176.38
72 months2.64%$150.34
84 months3.79%$135.73
Used Vehicle
24 months2.60%$428.04
36 months2.64%$289.23
48 months2.74%$220.20
60 months2.84%$178.99
72 months3.14%$152.57

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.

RV and Boat
RV and Boat loan rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
RV and Boats
36 months4.80%$298.90
48 months4.90%$229.92
60 months5.00%$188.78
72 months5.25%$162.28
84 months5.25%$142.58
144 months5.50%$95.05
Visa® Credit Cards
Visa® Credit Card Rates
TermCredit Limits
APR* as low as
VISA® Platinum$250 – $25,0007.85%
VISA® Platinum Rewards$250 – $25,0009.85%
Personal Line of Credit
Personal LOC Rates
TermAPR* as low as
Personal Line of Credit (maximum $25,000)8.75%
Signature Loan


Signature Loan Rates

TermAPR* as low asEstimated Monthly Payment/Per $10,000
12 months6.99%$865.19
24 months6.99%$447.67
36 months6.99%$308.73
48 months6.99%$239.43
60 months6.99%$197.98
72 months8.75%$179.09
84 months9.75%$164.80


Debt Consolidation Loans
Debt Consolidation Loan Rates
TermAPR* as low asEstimated Monthly Payment/Per $10,000
60 months13.50%$230.10
Home Equity Line of Credit
80% Financing3.25%
90% Financing3.25%
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 Years3.50%80%$181.97
1 to 5 Years3.75%90%$183.09
6 to 10 Years4.00%80%$101.28
6 to 10 Years4.25%90%$102.48
11 to 20 Years4.00%80%$60.63
11 to 20 Years4.25%90%$61.96

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

View our current Mortgage rates.
Share-Secured Loan
Share Secured Loan Rates
3.00% Above Share Rate
Certificate- Secured Loan
Certificate Loan Rates
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 January 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 - $4,999.990.15%0.15%
$5,000 - $9,999.990.25%0.25%
$10,000 - $24,999.990.30%0.30%
$25,000 - $49,999.990.35%0.35%
$50,000 - $74,999.990.40%0.40%
$75,000 - $99,999.990.42%0.42%


Checking Account

Balances^Dividend RateAPY*
Up to $1,499.990.05%0.05%
$1,500 and up0.10%0.10%


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 up0.10%0.10%



Certificate rates are effective as of December 1, 2021.

Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum6 months0.56%0.56%
$100,000 minimum6 months0.56%0.56%
$500 minimum12 months0.71%0.71%
$100,000 minimum12 months0.71%0.71%
$500 minimum20 months (Bump Up)0.71%0.71%
$100,000 minimum20 months (Bump Up)0.71%0.71%
$500 minimum24 months0.81%0.81%
$100,000 minimum24 months0.81%0.81%
$500 minimum36 months0.96%0.96%
$100,000 minimum36 months1.01%1.01%
$500 minimum48 months1.16%1.17%
$100,000 minimum48 months1.21%1.22%
$500 minimum56 months (Bump Up)1.11%1.12%
$100,000 minimum56 months (Bump Up)1.16%1.17%
$500 minimum60 months1.21%1.22%
$100,000 minimum60 months1.26%1.27%


Accumulator Certificates

Accumulator Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months0.71%0.71%


^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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