Loan Rates

The following loan rates are effective on March 1, 2019.

Vehicle Loan
TermAPR* as low asEstimated Monthly Payment/Per $10,000
New Vehicle
24 months2.74%$428.67
36 months2.74%$289.68
48 months2.99%$220.21
60 months3.24%$180.77
72 months3.84%$155.74
84 months4.75%$140.19
Used Vehicle NADA Retail & Trade
24 months3.49%$432.00
36 months3.49%$292.99
48 months3.59%$223.98
60 months3.59%$182.34
72 months4.24%$157.59

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
TermAPR* as low asEstimated Monthly Payment/Per $10,000
RV and Boats
36 months5.10%$300.21
60 months5.25%$189.90
72 months6.00%$165.77
84 months6.25%$147.33
144 months7.00%$102.88
RV and Boat loan rates
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 months8.50%$246.43
60 months8.50%$205.13
72 months9.25%$181.53
84 months10.25%$167.34
Debt Consolidation Loans
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 Years3.99%80%$184.16
1 to 5 Years4.74%90%$187.57
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
TermAPR*Estimated Monthly Payment/Per $10,000
60 months or Share Certificate Maturity Date3.00% Above Share Rate179.71
Certificate- Secured Loan
Term APR*Estimated Monthly Payment/Per $10,000
60 months3.00% Above Certificate Rate179.71

*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

Monthly Rates

The following deposit rates are effective on March 1, 2019.

Money Market Accounts

Balances^Dividend RateAPY*
$1,000 - $4,999.990.65%0.65%
$5,000 - $9,999.990.70%0.70%
$10,000 - $24,999.990.75%0.75%
$25,000 - $49,999.990.80%0.80%
$50,000 - $74,999.990.85%0.85%
$75,000 - $99,9990.90%0.90%


Balances^TermDividend RateAPY*
$500 minimum6 months1.50%1.51%
$100,000 minimum6 months2.00%2.02%
$500 minimum12 months2.15%2.17%
$100,000 minimum12 months2.40%2.42%
$500 minimum20 months (Bump Up)2.60%2.63%
$100,000 minimum20 months (Bump Up)2.75%2.78%
$500 minimum24 months2.75%2.78%
$100,000 minimum24 months2.90%2.93%
$500 minimum36 months2.60%2.63%
$100,000 minimum36 months2.65%2.68%
$500 minimum48 months2.80%2.83%
$100,000 minimum48 months2.90%2.93%
$500 minimum56 months (Bump Up)2.85%2.88%
$100,000 minimum56 months (Bump Up)2.95%2.98%
$500 minimum60 months2.95%2.98%
$100,000 minimum60 months3.05%3.09%

Accumulator Certificates

Balances^TermDividend RateAPY*
$50 minimum24 months2.20%2.22%

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

Balances^Dividend RateAPY*
No minimum deposit0.45%0.45%

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%



Quarterly Rates

Savings account dividend rates are declared at the end of each quarter for the previous quarter. The following dividends will be declared for January 1 through March 31, 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. We also have special accounts for Young Adults. For updated information, inquire at any branch office or contact 800.914.8619.

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

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

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

Club Savings Accounts

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

*APY = Annual Percentage Yield. More details are available in our Schedule of Fees and Charges and Membership Disclosures.

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