Loan Rates

The following loan rates are effective on November 1, 2019.  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 months2.49%$427.59
36 months2.49%$288.59
48 months2.99%$221.32
60 months3.25%$180.82
72 months3.74%$155.29
84 months4.50%$139.03
Used Vehicle NADA Retail & Trade
24 months3.24%$430.91
36 months3.24%$291.90
48 months3.34%$222.87
60 months3.54%$182.12
72 months3.74%$155.29

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 months5.30%$300.21
48 months5.40%$232.16
60 months5.50%$189.90
72 months6.00%$165.77
84 months6.25%$147.33
144 months7.00%$102.88

Visa® Credit Cards

Visa® Credit Card Rates

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

Personal LOC Rates

TermAPR* as low as
Personal Line of Credit (maximum $25,000)Prime + 5.50%

Signature Loan

Signature Loan Rates

TermAPR* as low asEstimated Monthly Payment/Per $10,000
12 months7.75%$868.85
24 months7.75%$451.21
36 months7.75%$312.27
48 months8.25%$245.36
60 months8.50%$205.22
72 months9.25%$181.53
84 months10.25%$167.34

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

HELOC Rates

TermAPR* as low as
80% FinancingPrime - .50%
90% FinancingPrime - .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 Years5.00%80%$188.75
1 to 5 Years5.25%90%$189.90
6 to 10 Years5.25%80%$107.33
6 to 10 Years5.50%90%$108.56
11 to 20 Years5.75%80%$70.24
11 to 20 Years5.99%90%$71.62

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

Mortgage

View our current Mortgage rates.

Share-Secured Loan

Share Secured Loan Rates

TermAPR*Estimated Monthly Payment/Per $10,000
60 months or Certificate Maturity Date3.00% Above Share Rate^179.71

Certificate- Secured Loan

Certificate Loan Rates

Term APR*Estimated Monthly Payment/Per $10,000
60 months3.00% Above Certificate Rate179.71

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

Quarterly Rates

Savings account dividend rates are declared at the end of each quarter for the previous quarter. Dividends were last declared on September 30, 2019. All deposit accounts, with the exception of certificates, are variable rate accounts where rates are subject to change at any time. Fees may reduce the earnings. A penalty may be imposed for early withdrawal. For updated information, inquire at any branch office or contact 800.914.8619.

Certificates

Certificate rates are effective as of November 1, 2019.

Share Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum6 months1.70%1.71%
$100,000 minimum6 months1.75%1.76%
$500 minimum12 months2.05%2.07%
$100,000 minimum12 months2.10%2.12%
$500 minimum20 months (Bump Up)2.00%2.02%
$100,000 minimum20 months (Bump Up)2.05%2.07%
$500 minimum24 months2.15%2.17%
$100,000 minimum24 months2.20%2.22%
$500 minimum36 months2.40%2.42%
$100,000 minimum36 months2.45%2.47%
$500 minimum48 months2.45%2.47%
$100,000 minimum48 months2.50%2.52%
$500 minimum56 months (Bump Up)2.55%2.57%
$100,000 minimum56 months (Bump Up)2.60%2.63%
$500 minimum60 months2.65%2.68%
$100,000 minimum60 months2.70%2.73%

Accumulator Certificates

Accumulator Share Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months2.15%2.17%

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

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

Balances^Dividend RateAPY*
$25 - $1,499.990.15%0.15%
$1,500 and up0.25%0.25%

Checking Account

Balances^Dividend RateAPY*
Up to $1,499.990.05%0.05%
$1,500 and up0.20%0.20%

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 up0.20%0.20%

Secondary Savings Account

Secondary Savings Account Rates

Balances^Dividend RateAPY*
$25 - $1,499.990.15%0.15%
$1,500 and up0.25%0.25%

Club Savings Accounts

Club Account Rates

BalancesDividend RateAPY*
Holiday Club Savings0.35%0.35%
Vacation Club Savings0.35%0.35%
Monthly Rates

The following dividends are effective November 1, 2019. All deposit accounts are variable rate and are subject to change at any time. Fees may reduce the earnings. A fee may be imposed for early withdrawal. For updated information, inquire at any branch office or contact 800.914.8619.

Money Market Accounts

Money Market Account Rates

Balances^Dividend RateAPY*
$1,000 - $4,999.990.65%0.65%
$5,000 - $9,999.990.90%0.90%
$10,000 - $24,999.990.95%0.95%
$25,000 - $49,999.991.00%1.00%
$50,000 - $74,999.991.05%1.05%
$75,000 - $99,999.991.10%1.10%
$100,000+1.20%1.20%

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 deposit0.45%0.45%

Health Savings Account

Health Savings Account Rates

Balances^Dividend RateAPY*
$0 - $1,999.990.30%0.30%
$2,000 - $4,999.990.55%0.55%
$5,000 - $14,999.990.80%0.80%
$15,000 - $24,999.991.00%1.00%
$25,000 +1.25%1.25%
 

 

 

 

 

 

 

 

*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 Disclosures.

Federally Insured by NCUA

Online Banking

Become a Member

memberEnjoy these great rates and more when you become an Interior FCU member!

Quick Links