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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!

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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: February 18, 2020
Loan TypeTermAnnual Percentage Rate (APR)
New to 2012 Up to 60 months as low as 3.15%
New to 2012 61 to 66 Months as low as 3.25%
New to 2012 67 to 72 months as low as 3.45%
New to 2016 73 to 84 months as low as 3.95%

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. Salvage Titles - up to 75% financing.

Loan Payment Example: The monthly payment per $1,000 borrowed at 3.65% APR for a term of 60 months would require 60 monthly payments of $18.27 based on 30 days to first payment.

Street Motorcycles, ATVs, and Snowmobiles
Effective Date: February 18, 2020
Loan TypeTermAnnual Percentage Rate(APR)
New to 2012 60 Months as low as 4.15%
New to 2012 72 Months as low as 4.95%

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. No cash out refinances.

Loan Payment Example: The monthly payment per $1,000 borrowed at 4.65% APR for a term of 60 months would require 60 monthly payments of $18.72 based on 30 days to first payment.

RVs, Campers, Travel Trailers, Boats, and Motorhomes
Effective Date: February 18, 2020
Loan TypeTermAnnual Percentage Rate (APR)
New to 2012 36 Months as low as 3.65%
New to 2012 60 Months as low as 3.65%
New to 2012 72 Months as low as 4.45%
New to 2012 84 Months as low as 5.45%
New to 2012 120 Months as low as 5.65%
New to 2012 144 Months as low as 6.85%
New to 2012 180 Months | 7-year Balloon as low as 6.05%

100% financing is 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. No cash out refinances.

Loan Payment Example: The monthly payment per $1,000 borrowed at 4.65% APR for a term of 60 months would require 60 monthly payments of $18.72 based on 30 days to first payment.

All Other Secured Loans
Effective Date: February 18, 2020
Loan DetailsTermAnnual Percentage Rate (APR)
All Other Secured Loans Up to 72 months as low as 6.75%

90% financing available to qualified applicants. Terms over 60 months available with Credit Committee 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. No cash out refinances.

Loan Payment Example: The monthly payment per $1,000 borrowed at 6.75% APR for a term of 60 months would require 60 monthly payments of $19.69 based on 30 days to first payment.

Signature Loans
Effective Date: February 18, 2020
TermAmountAnnual Percentage Rate (APR)
12 Months up to $1,000.00 as low as 8.85%
24 Months $1,001.00 to $3,000.00 as low as 8.85%
36 Months $3,001.00 to $5,000.00 as low as 8.85%
48 Months $5,001.00 to $7,500.00 as low as 8.85%
60 Months $7,501.00 and up as low as 8.85%

Minimum payment is based on loan term. 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 8.85% APR for a term of 12 months would require 12 monthly payments of $87.39 based on 30 days to first payment.

Miscellaneous & Savings Secured Loans
Effective Date: February 18, 2020
Loan Type/DetailsAnnual 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

 

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