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Loan Rates

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: July 1, 2018
Loan TypeTermAnnual Percentage Rate (APR)
New to 2008 Up to 66 months as low as 3.64%
New to 2008 67 to 72 months as low as 4.34%
New to 2014 73 to 84 months as low as 5.24%

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 3.64% APR for a term of 36 months would require 36 monthly payments of $29.37 based on 30 days to first payment.

SmartLoan
Effective Date: July 1, 2018
Account TypeTermAnnual Percentage Rate (APR)
2013 - 2019 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 4.84% APR for a term of 24 months would require 24 monthly payments of $29.05 based on 30 days to first payment with a final payment of $397.40.

Street Motorcycles, ATVs, and Snowmobiles
Effective Date: July 1, 2018
Loan TypeAmountTermAnnual Percentage Rate(APR)
New to 2010 Up to $20,000.00 60 Months as low as 4.44%
New to 2010 $20,000.00 and up 72 Months as low as 5.24%

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 4.44% APR for a term of 60 months would require 60 monthly payments of $18.62 based on 30 days to first payment.

RVs, Campers, Travel Trailers, Boats, and Motorhomes
Effective Date: July 1, 2018
Loan TypeAmountTermAnnual Percentage Rate (APR)
New to 2010 Up to $7,000.00 36 Months as low as 3.44%
New to 2010 $7,000 to $15,000.00 60 Months as low as 3.44%
New to 2010 $12,000.00 to $15,000.00 72 Months as low as 4.24%
New to 2010 $15,000.00 and over 84 Months as low as 5.24%
New to 2010 $15,000.00 and over 120 Months as low as 5.44%
New to 2010 $20,000 and over 144 Months as low as 5.64%
New to 2010 $50,000 and over 180 Months | 7-year Balloon as low as 5.84%

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 4.44% APR for a term of 60 months would require 60 monthly payments of $18.62 based on 30 days to first payment.

All Other Secured Loans
Effective Date: July 1, 2018
Loan DetailsTermAnnual Percentage Rate (APR)
All Other Secured Loans Up to 72 months as low as 7.50%

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 7.50% APR for a term of 12 months would require 12 monthly payments of $86.77 based on 30 days to first payment.

Signature Loans
Effective Date: July 1, 2018
TermAmountAnnual 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 $87.62 based on 30 days to first payment.

Miscellaneous & Savings Secured Loans
Effective Date: July 1, 2018
Loan Type/DetailsAnnual Percentage Rate (APR)
Easy Access Line of Credit 11.50% APR
Share/Money Market Secured Loans

Prime Rate (4.50%APR) with floor of 5.00% APR
Certificate of Deposit Secured Loans 1.00% above Certificate of Deposit rate - minimum of 5.00% APR

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