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Loan Rates
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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!

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: August 22, 2016
Loan TypeTermAnnual 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 DetailsTermAnnual 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 TypeAmountTermAnnual 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 TypeAmountTermAnnual 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
TermAmountAnnual 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/DetailsAnnual 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.