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Auto & Light Truck • Recreational Vehicle • Mortgage • Home Equity • Signature Loans
VISA Credit Card • Miscellaneous • Apply Online Now!
ICCU Loan & Mortgage Rates
Updated and effective as of March 9, 2010
All rates expressed as an Annual Percentage Rate (APR) and subject to change without notice.
Where a rate range is indicated, the rate you receive will be based on your credit score.
Contact an ICCU Loan Officer at 989-773-5927 with questions.
With 68% of our credit union's operating income derived from loans, we hope you will consider ICCU first for your next loan.
Rate are competitive, and there is no application fee on any consumer loan at your credit union.
Apply Online or Loan Calculator
Automobiles, Light Trucks, Cars
2010, 2009 and 2008 Vehicles
100% financing to qualified applicants • 75% financing on salvage titles • Rate based on credit score |
| Up to 36 months |
5.15% - 13.81% |
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37 to 60 months |
5.15% - 13.80% |
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Up to 66 months * |
5.70% - 14.30% |
| Up to 72 months (over $23,000.00)* |
5.99% - 14.59% |
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* Brand new and program cars to qualified buyers |
| 2007 to 2005 Vehicles |
| Up to 60 months |
5.75% - 14.75% |
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Up to 66 months* |
6.00% - 15.00% |
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Up to 72 months* |
6.10% - 15.10% |
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* Subject to ICCU Credit Committee (credit comt.) approval |
| 2004 and 2003 Vehicles |
| Up to 48 months |
7.25% - 14.25% |
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60 months (over $10,000 w/credit comt. approval) |
7.45% - 14.65% |
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All Other Secured Loans |
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Up to 60 months (90% financing to qualified applicants) |
8.50% to 15.00% |
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Over 60 months (with credit comt. approval) |
9.00% to 15.50% |
Monthly Payment Calculator • Lease vs. Buy Calculator
Apply Online Now!
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Recreational Vehicles (RV's)
New Campers, Travel Trailers, Boats & Motorhomes
90% financing to qualified applicants • Rate based on credit score |
| 36 months - Up to $7,000 |
6.85% - 15.40% |
| 60 months - $7,000 to $15,000 |
6.95% - 15.40% |
| 84 months - $15,000 and up |
7.05% - 15.40% |
| 120 months/7-year balloon - $15,000 and up |
6.95% - 15.40% |
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180 months/7-year balloon - $75,000 and up |
6.95% - 15.40% |
Street Motorcycles
90% financing to qualified applicants • Rate based on credit score |
| Up to 60 months up to $20,000 |
7.75% - 16.10% |
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Up to 72 months - over $20,000 |
7.90% - 16.10%
(Requires Credit Committee approval) |
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Dirt Bikes, Jet Skis, 3 & 4 Wheelers and Snowmobiles
90% financing to qualified applicants • Rate based on credit score |
| New or Used (48 months max.) |
Up to 60 Months |
8.50% - 10.20% |
| New or Used |
Over 60 Months |
9.00% - 10.75% |
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Apply online now! |
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Mortgage Rates
Effective as of March 8, 2010 - Rates change daily; check back often
ICCU has some of the area's LOWEST mortgage closing costs. Save money at ICCU.
Rates subject to change without notice; are based on LTV ratios, credit scores and other factors. |
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15-Year Fixed |
As low as 4.375% |
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20-Year Fixed |
As low as 4.875% |
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30-Year Fixed |
As low as 5.125% |
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5-Year Balloon - 30 year amoritzation |
As low as 4.125% |
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7-Year Balloon - 30 year amoritzation |
As low as 4.250% |
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USDA Rural Development - 30 Year Fixed |
As low as 5.250% |
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MSHDA Financing - 30 Year Fixed - Maximum 80% LTV (loan to value) |
As low as 5.375% |
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Refinance Breakeven Calculator • Mortgage Payoff Calculator
Apply Online Now! • Link to Mortgage Information Page
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Home Equity Loans
Fixed Rate • Subject to credit approval |
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5-Year Home Equity Loan |
6.75% |
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7-Year Home Equity Loan |
6.75% |
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10-Year Home Equity Loan |
6.75% |
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15-Year Home Equity Loan |
6.95% |
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Variable-Rate (HELOC) Line of Credit |
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PRIME + 0% - reviewed monthly |
5.00% |
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Home Equity Advantage VISA Gold |
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Variable-Rate, PRIME + 0% - reviewed quarterly (with a floor of 5%) |
5.00% |
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Request an Application Packet • Personal Debt Consolidation Calculator |
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Signature Loans
Rate based on credit score • Unsecured • Minimum amount $1,000 |
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12 to 60 month terms |
10.50% - 15.50% |
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Apply online now! |
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VISA Credit Cards
No Annual Fee • Competitive Rates |
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VISA Classic ($300 to $5,000) |
11.50% non variable for purchases
11.50% non variable for
cash advances and balance transfers
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VISA Platinum ($5,000 to $20,000) |
8.90% non variable for purchases
11.50% for cash advances and balance transfers |
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Home Equity Advantage VISA Gold
($5,000-$50,000) |
5.00% Variable Rate (Prime+0%) |
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No automatic increases except in cases of severe
delinquency (60 days past due) |
Minimum payment is 3% of the outstanding
balance or $10 |
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Request an Application • Platinum Disclosure • Classic Disclosure |
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Lifestyle, Miscellaneous and Savings Secured Loans |
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Easy Access Line of Credit
(Can be used for overdraft protection) |
11.50% |
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Savings Secured Loan |
Share/Money Market Secured Loan: Prime Rate (5.00% minimum)
CD Secured Loans: 2% above CD Rate (5.00% minimum) - 60 month max. term |
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Other Secured Loan |
7.25% to 13.75% (60 month Maximum) |
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Request an Easy Access Application • Apply Now (Savings Secured) | |
Home • Apply/Bank Online • Rates • Contact Us
Convenience Services • Loans • Savings • Youth • Other Products
Isabella Community Credit Union
Service Locations: 2400 S. Isabella Road
and 2100 E. Remus Road (West M-20)
Mount Pleasant, Michigan
48858
Mailing Address: P.O. Box 427, Mt. Pleasant MI 48804-0427
989.773.5927
Fax: 989.773.6469
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