Lending is what ICCU has done best for more than half a century! ICCU is a member-owned financial cooperative, meaning rates are consistently competitive and terms are comfortable.
| Automobiles, Cars and Light Trucks |
| Effective Date: August 22, 2016 |
| Loan Type | Term | Annual Percentage Rate (APR) |
| New to 2006 |
Up to 66 months |
as low as 2.59% |
| New to 2006 |
Up to 72 months |
as low as 3.29% |
| New to 2012 |
73 to 84 months |
as low as 4.29% |
| 100% financing available to qualified applicants. Rates based on credit score. A higher rate or shorter term may apply if applicant does not qualify. |
| All Other Secured Loans |
| Effective Date: August 22, 2016 |
| Loan Details | Term | Annual Percentage Rate (APR) |
| All Other Secured Loans |
Up to 60 months |
as low as 6.45% |
| 90% financing available to qualified applicants. Rates are based on credit score. A higher rate or shorter term may apply if applicant does not qualify. Terms over 60 months are available with Credit Committee approval. |
| Street Motorcycles, ATVs, and Snowmobiles |
| Effective Date: August 22, 2016 |
| Loan Type | Amount | Term | Annual Percentage Rate(APR) |
| New to 2008 |
Up to $20,000.00 |
60 Months |
as low as 3.59% |
| New to 2008 |
$20,000.00 and up |
72 Months |
as low as 4.39% |
| 100% financing available to qualified applicants. Rates based on credit score. A higher rate or shorter term may apply if applicant does not qualify. Terms over 60 months with Credit Committee approval. |
| RVs, Campers, Travel Trailers, Boats, and Motorhomes |
| Effective Date: August 22, 2016 |
| Loan Type | Amount | Term | Annual Percentage Rate (APR) |
| New to 2008 |
Up to $7,000.00 |
36 Months |
as low as 2.59% |
| New to 2008 |
$7,000 to $15,000.00 |
60 Months |
as low as 2.59% |
| New to 2008 |
$12,000.00 to $15,000.00 |
72 Months |
as low as 3.39% |
| New to 2008 |
$15,000.00 and up |
84 Months |
as low as 4.39% |
| New to 2008 |
$15,000.00 and up |
120 Months | 7-year Balloon |
as low as 4.39% |
| New to 2008 |
$75,000.00 and up |
180 Months | 7-year Balloon |
as low as 4.39% |
| 100% financing available to qualified applicants. Rates are based on credit score. A higher rate or shorter term may apply if applicant does not qualify. Terms over 60 months with Credit Committee approval. |
| Signature Loans |
| Effective Date: August 22, 2016 |
| Term | Amount | Annual Percentage Rate (APR) |
| 12 Months |
up to $1,000.00 |
as low as 8.50% |
| Minimum Payment is $50.00 |
| 24 Months |
$1,001.00 to $3,000.00 |
as low as 8.50% |
| Minimum Payment is $75.00 |
| 36 Months |
$3,001.00 to $5,000.00 |
as low as 8.50% |
| Minimum Payment is $100.00 |
| 48 Months |
$5,001.00 to $7,500.00 |
as low as 8.50% |
| Minimum Payment is $125.00 |
| 60 Months |
$7,501.00 and up |
as low as 8.50% |
| Minimum Payment is $150.00 |
| Minimum payment is based on loan term. Rates are based on credit score. A higher rate or shorter term may apply if applicant does not qualify. |
| Miscellaneous & Savings Secured Loans |
| Effective Date: August 22, 2016 |
| Loan Type/Details | Annual Percentage Rate (APR) |
| Easy Access Line of Credit |
11.50% APR |
| Share/Money Market Secured Loans |
Prime Rate (3.50%APR) with floor of 5.00% APR |
| Certificate of Deposit Secured Loans |
1.00% above Certificate of Deposit rate. Minimum 5.00% APR - 60 month maximum term. |
