Loan Rates
| Auto Loans |
| Effective Date: Monday, January 17th, 2022 |
| Model Year | Term | APR* as low as | Pmt Per $1,000 |
| New 2021-2020 |
Up to 60 Months |
1.79% |
$17.44 |
| New 2021-2020 |
Up to 72 Months1 |
2.04% |
$14.77 |
| Used 2020-2019 |
Up to 60 Months |
1.79% |
$17.44 |
| Used 2020-2019 |
72 Months2 |
2.14% |
$14.81 |
| 2018 |
Up to 60 Months |
1.99% |
$17.52 |
| 2017-2016 |
Up to 60 Months |
2.09% |
$17.57 |
| 2015-2014 |
Up to 48 Months |
2.24% |
$21.80 |
| 2013-2011 |
Up to 48 Months |
2.49% |
$21.91 |
| 2010 and older |
Up to 48 Months |
4.00% |
$22.58 |
| *APR=Annual Percentage Rate. Examples shown illustrate best rates. 184 month financing applies to vehicles $30,000 or more. 272 term for vehicles financed for $20,000 or more. |
| Recreational Vehicle Loan |
| Effective Date: Monday, January 17th, 2022 |
| Term | APR* as low as | Pmt Per $1,000 |
| New |
| Up to 72 Months |
5.69% |
$16.43 |
| Used |
| Up to 72 Months |
6.19% |
$16.66 |
| *APR=Annual Percentage Rate. Financing applies to RV's, boats and camping trailers of $30,000 or more. |
| Personal Loan |
| Effective Date: Monday, January 17th, 2022 |
| Term | APR* as low as |
| 24-60 Months |
9.25% |
| *APR=Annual Percentage Rate. See a Loan Officer at either branch location for details. |
| Line of Credit |
| Effective Date: Monday, January 17th, 2022 |
| Term | APR* as low as |
| Revolving |
9.25% |
| *APR=Annual Percentage Rate. See a Loan Officer at either branch location for details. |
| Visa Credit Cards |
| Effective Date: Monday, January 17th, 2022 |
| 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. |
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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