Loan Rates

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.

Save Money: Talk to us before you buy or finance any big ticket item. In many cases, ICCU can help save you money!

The loan interest rates listed below are expressed as an Annual Percentage Rate (APR). Rates are subject to change without notice. Where a rate range is indicated, the rate received is based on the applicant's credit score. A higher APR or shorter term may apply if an applicant does not qualify.

Automobiles, Cars and Light Trucks
Effective Date: January 2, 2019
Loan Type	Term	Annual Percentage Rate (APR)
New to 2008	Up to 66 months	as low as 3.89%
New to 2008	67 to 72 months	as low as 4.59%
New to 2014	73 to 84 months	as low as 5.49%
100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Loan Payment Example: The monthly payment per $1,000 borrowed at 3.89% APR for a term of 36 months would require 36 monthly payments of $29.48 based on 30 days to first payment.

SmartLoan
Effective Date: January 2, 2019
Account Type	Term	Annual Percentage Rate (APR)
2014 - 2020 Vehicles	24 to 72 Months	As low as 4.84%
100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Loan Payment Example: The monthly payment per $1,000 borrowed at 5.09% APR for a term of 24 months would require 24 monthly payments of $29.27 based on 30 days to first payment with a final payment of $398.38.

Street Motorcycles, ATVs, and Snowmobiles
Effective Date: January 2, 2019
Loan Type	Amount	Term	Annual Percentage Rate(APR)
New to 2010	Up to $20,000.00	60 Months	as low as 4.69%
New to 2010	$20,000.00 and up	72 Months	as low as 5.49%
100% financing available to qualified applicants. A higher rate or shorter term may appy if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Terms over 60 months are available with Credit Committee approval. Loan Payment Example: The monthly payment per $1,000 borrowed at 4.69% APR for a term of 60 months would require 60 monthly payments of $18.73 based on 30 days to first payment.

RVs, Campers, Travel Trailers, Boats, and Motorhomes
Effective Date: January 2, 2019
Loan Type	Amount	Term	Annual Percentage Rate (APR)
New to 2010	Up to $7,000.00	36 Months	as low as 3.69%
New to 2010	$7,000 to $15,000.00	60 Months	as low as 3.69%
New to 2010	$12,000.00 to $15,000.00	72 Months	as low as 4.49%
New to 2010	$15,000.00 and over	84 Months	as low as 5.49%
New to 2010	$15,000.00 and over	120 Months	as low as 5.69%
New to 2010	$20,000 and over	144 Months	as low as 5.89%
New to 2010	$50,000 and over	180 Months \| 7-year Balloon	as low as 6.09%
100% financing is available to qualified applicants. A higher rate or shorter term may appy if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Terms over 60 months are available with Credit Committee approval. Loan Payment Example: The monthly payment per $1,000 borrowed at 4.49% APR for a term of 60 months would require 60 monthly payments of $18.73 based on 30 days to first payment.

All Other Secured Loans
Effective Date: January 2, 2019
Loan Details	Term	Annual Percentage Rate (APR)
All Other Secured Loans	Up to 72 months	as low as 7.75%
100% financing available to qualified applicants. Terms over 60 months available with Credit Commitee approval. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Loan Payment Example: The monthly payment per $1,000 borrowed at 7.75% APR for a term of 12 months would require 12 monthly payments of $86.86 based on 30 days to first payment.

Signature Loans
Effective Date: January 2, 2019
Term	Amount	Annual Percentage Rate (APR)
12 Months	up to $1,000.00	as low as 9.35%
24 Months	$1,001.00 to $3,000.00	as low as 9.35%
36 Months	$3,001.00 to $5,000.00	as low as 9.35%
48 Months	$5,001.00 to $7,500.00	as low as 9.35%
60 Months	$7,501.00 and up	as low as 9.35%
Minimum payment is based on loan term. A higher rate or shorter term may appy if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Loan Payment Example: The monthly payment per $1,000 borrowed at 9.35% APR for a term of 12 months would require 12 monthly payments of $87.60 based on 30 days to first payment.

Miscellaneous & Savings Secured Loans
Effective Date: January 2, 2019
Loan Type/Details	Annual Percentage Rate (APR)
Easy Access Line of Credit	11.50% APR
Share/Money Market Secured Loans	Prime Rate (5.50%APR) with floor of 5.50% APR
Certificate of Deposit Secured Loans	1.00% above Certificate of Deposit rate - minimum of 5.50% APR