Loan Rates
| Auto Loans |
| Effective Date: Wednesday, July 23rd, 2025 |
| Model Year | Term | APR* as low as | Pmt Per $1,000 |
| New 2025-2024 |
Up to 60 Months |
4.49% |
$18.64 |
| New 2025-2024 |
Up to 72 Months1 |
4.99% |
$16.10 |
| Used 2024-2022 |
Up to 60 Months |
4.49% |
$18.64 |
| Used 2024-2022 |
72 Months1 |
4.99% |
$16.10 |
| 2021-2018 |
Up to 60 Months |
5.24% |
$16.57 |
| 2021-2018 |
Up to 66 Months |
5.74% |
$18.98 |
| 2017-2015 |
Up to 54 Months |
7.50% |
$21.88 |
| 2014-2013 |
Up to 48 Months |
8.50% |
$24.65 |
| 2012 and Older |
Up to 42 Months |
8.50% |
$24.65 |
| *APR=Annual Percentage Rate. Examples shown illustrate best rates. 172 month financing applies to vehicles $20,000 or more. |
| Recreational Vehicle Loan |
| Effective Date: Wednesday, July 23rd, 2025 |
| Term | APR* as low as | Pmt Per $1,000 |
| New |
| Up to 60 Months |
7.00% |
$19.80 |
| Used |
| Up to 60 Months |
7.50% |
$20.04 |
| *APR=Annual Percentage Rate. Financing applies to RV's, boats and camping trailers of $30,000 or more. |
| Let IECU help get you and your family ready for a road trip! |
| Personal Loan |
| Effective Date: Wednesday, July 23rd, 2025 |
| Term | APR* as low as |
| 24-60 Months |
11.25% |
| *APR=Annual Percentage Rate. |
| Personal Loans are a great way to finance that special project or dream vacation! See a Loan Officer for details. |
| Line of Credit |
| Effective Date: Wednesday, July 23rd, 2025 |
| Term | APR* as low as |
| Revolving |
11.25% |
| *APR=Annual Percentage Rate. |
| A Line of Credit allows you to access funds when you need them. See a Loan Officer for details. |
| Visa Credit Cards |
| Effective Date: Wednesday, July 23rd, 2025 |
| APR* as low as | Pmt Per $1,000 |
| Visa Classic |
| 14.90% |
3% of card balance or $15, whichever is greater. |
| Visa Gold |
| 12.90% |
|
| *APR=Annual Percentage Rate. |
| With an IECU VISA Credit Card, the possibilities are endless! With no annual fee and EMV technology, an IECU VISA Credit Card is the only card you'll ever need! |
All rates subject to change without notice. Rates, terms, and conditions vary based on qualifications and collateral and are subject to change without notice. All loans are subject to approval and eligibility and must fall within IECU guidelines. Federally insured by NCUA. IECU is an Equal Housing Lender.
Beat the Rate Program
Ask about our Beat the Rate program! If you find a loan rate better than ours, we may be able to beat it. Final rates must fall within CU guidelines.
In some cases, we can not always match the “special rates” offered by other institutions. The reasoning behind this is that we give equal consideration to all of our members’ financial needs. We offer the most competitive rates on deposits and loans without sacrificing one for the other. For example, the only way we could offer above market rates on Share Certificates would be to charge a higher rate on loans. This would not coincide with what makes a Credit Union unique which is “People helping People.” You should find our rates to be very competitive while still taking into consideration all of our members’ financial needs.
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