AUTO LOANS
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 5.24% | 5.49% | 5.49% | 5.99% | 6.99% |
| Notes: Vehicle must have less than 20,000 miles. 73-84 month term must be $30,000 or more |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 months |
|---|---|---|---|---|---|
| Rates as low as: | 6.99% | 7.24% | 7.49% | 7.74% | 8.24% |
| Notes: 49-60 month must be $10,000, 61-72 month must be $25,000, 73-84 month must be $40,000 |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 months |
|---|---|---|---|---|---|
| Rates as low as: | 8.99% | 9.244% | 9.49% | N/A | N/A |
| Notes: 49-60 month term must be $15,000 or more |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 6.49% | 6.74% | 6.99% | 7.74% | 7.74% |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 7.49% | 7.74% | 7.99% | 8.24% | n/a |
RV/ CAMPERS
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 7.24% | 7.74% | 8.49% | 8.99% | 9.24% |
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 7.74% | 7.99% | 9.49% | 10.24% | 10.49% |
| Notes: 61-96 month must be $25,000 or more, 97-120 month must be $45,000 or more, 121-144 month must be $75,000 |
OFF ROAD
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months | 144-180 months |
|---|---|---|---|---|---|---|
| Rates as low as: | 7.24% | 7.99% | 8.49% | 9.24% | 9.49% | 9.74% |
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months | 144-180 months |
|---|---|---|---|---|---|---|
| Rates as low as: | 8.24% | 8.99% | 9.74% | 10.74% | 10.99% | 11.24% |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 6.24% | 6.49% | 6.49% | 6.74% | 7.49% |
| Notes: Powersports includes ATV, UTV, SXS, Snowmobile and Off-Road Motorcycles 61-72 month terms must be more than $15,000, 73-84 month terms must be more than $30,000 |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 6.74% | 6.99% | 6.99% | 7.24% | 7.99% |
| Notes: Powersports includes ATV, UTV, SXS, Snowmobile and Off-Road Motorcycles 61-72 month terms must be more than $15,000, 73-84 month terms must be more than $30,000 |
EQUIPMENT
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 7.24% | 7.74% | 7.99% | 8.74% | 8.99% |
| 61-96 month term must be more than $25,000. 97-120 month terms must be more than $40,000. 121-144 month terms must be more than $50,000. If the value is greater than $7,000, Full coverage Insurance is required. |
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 7.99% | 8.49% | 8.74% | 9.49% | 9.74% |
| 61-96 month term must be more than $25,000. 97-120 month terms must be more than $40,000. 121-144 month terms must be more than $50,000. If the value is greater than $7,000, Full coverage Insurance is required. |
HOME LOANS
| TERMS | 0-60 months | 61-120 months | 121-180 months | 181-240 months |
|---|---|---|---|---|
| Rates as low as: | 5.74% | 5.99% | 6.49% | 7.24% |
| TERMS | 0-60 months | 61-120 months | 121-180 months | 181-240 months |
|---|---|---|---|---|
| Rates as low as: | 6.24% | 6.49% | 6.99% | n/a |
| To see the most up-to-date Mortgage rates, visit our Mortgage Center. You can view our rates, calculate your payments, and even apply! Click the button below! |
PERSONAL
| TERMS |
|---|
| Rates as low as: |
With Collateral
| 0-24 months | 25-60 months |
|---|---|
| 9.74% | 11.49% |
Without Collateral
| 0-24 months | 25-60 months |
|---|---|
| 9.74% | 11.49% |
| SHARE SECURED | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
| 6.24% | 6.24% | 6.24% | 6.24% | 6.24% |
| TERMS | 36 months | 60 months |
|---|---|---|
| Rates as low as | 0.99% | 1.99% |
| TERMS | 0-60 months | 61-120 months | 121-180 months |
|---|---|---|---|
| Rates as low as | 5.49% | 6.49% | 7.99% |
| Card Type | Up to $5,000 | Over $5,000 | Up to $1,000 |
|---|---|---|---|
| Visa Classic | 12.90% | n/a | n/a |
| Visa Platinum | n/a | 9.50% | n/a |
| Credit Builder | n/a | n/a | 5.99% |
SAVINGS
| Account Type | Minimum Deposit | Minimum Balance | APY |
|---|---|---|---|
| Savings | $5.00 | $5.00 | 0.1% |
| Savings | $5.00 | $2,500.00 | 0.15% |
| Savings | $5.00 | $20,000.00 | 0.2% |
| Subshares | N/A | $0 | 0.1% |
| Subshares | N/A | $2,500.00 | 0.15% |
| Subshares | N/A | $20,000.00 | 0.2% |
| Christmas Club | N/A | $5.00 | 0.1% |
| Christmas Club | N/A | $2,500.00 | 0.15% |
| Christmas Club | N/A | $20,000.00 | 0.2% |
| Traditional IRA Accum Share | N/A | $0 | 0.65% |
| Roth Conventional Accum Share | N/A | $0 | 0.65% |
| Roth IRA Accum Share | N/A | $0 | 0.65% |
| SEP IRA | N/A | $0 | 0.65% |
| Share Draft | N/A | $0 | 0% |
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 3 Month | 1.00% | $1,000.00 |
| 6 Month | 2.37% | $1,000.00 |
| 12 Month | 2.73% | $1,000.00 |
| 18 Month | 4.32% | $1,000.00 |
| 24 Month | 3.75% | $1,000.00 |
| 30 Month | 3.80% | $1,000.00 |
| 36 Month | 3.75% | $1,000.00 |
| 48 Month | 3.55% | $1,000.00 |
| 60 Month | 3.19% | $1,000.00 |
| IRA Share Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 18 Month | 4.84% | $1,000.00 |
| 36 Month | 3.75% | $1,000.00 |
| 60 Month | 3.19% | $1,000.00 |
| Account Type | APY | Minimum Balance |
|---|---|---|
| Money Market | 1.01% | $100.00 |
| Money Market | 1.11% | $2,500.00 |
| Money Market | 1.26% | $10,000.00 |
| Money Market | 1.76% | $25,000.00 |
| Money Market | 2.27% | $50,000.00 |
| Money Market | 2.53% | $100,000.00 |
CERTIFICATE SPECIAL
We are making the wait worth it!
| Certificate term | APY* | Minimum Deposit |
| 9 Months | 4.89% | $1000.00 |
| 18 Months | 4.32% | $1000.00 |
*APR= Annual Percentage Rate. Rates and terms are subject to change based on market conditions and borrower’s eligibility. I-R Federal Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines and membership eligibility requirements. I-R Federal Credit Union has a $5.00 minimum share account requirement.
New vehicle and motorcycle is defined as model years 2022 or newer.
Vehicle must have less than 20,000 miles
– Vehicle/motorcycle: 73-83 month term must be $30,000 or more
– Vehicle/motorcycle: Base LTV = 115%; we require GAP up to 125% LTV.
Used vehicle and motorcycle is defined as model years 2016 – 2021.
– Vehicle: 49-60 month term must be $10,000 or more.
– Motorcycle: 49-60 month term must be $15,000 or more.
– Vehicle/Motorcycle: 61-72 month term must be $25,000 or more.
– Vehicle: 73-84 month term must be $40,000 or more.
– Vehicle/motorcycle Tier 1-4: Base LTV = 100%; we require GAP up to 115% LTV
– Vehicle/motorcycle Tier 5-7: Base LTV = 80%; we require GAP & MRC up to 100% LTV
Older vehicle and motorcycle is defined as model years 2015 and older.
– Vehicle: 49-60 month term must be $15,000 or more.
– Vehicle/motorcycle Tier 1-4: Base LTV = 100%; we require GAP up to 115% LTV
– Vehicle/motorcycle Tier 5-7: Base LTV = 80%; we require GAP & MRC up to 100% LTV
New Recreational Vehicle and Camper are defined as model years 2022 or newer.
– RV/Camper: 61-96 month term must be $25,000 or more
– RV/Camper: 97-120 month term must be $45,000 or more.
– RV/Camper: 121-144 month term must be $75,000 or more.
– RV/Camper: Base LTV = 115%; we require GAP up to 125% LTV
– If value is greater than $2,000 then full coverage Insurance is required.
Used Recreational Vehicle and Camper are defined as model years 2021 and older.
– RV/Camper: 61-96 month term must be $25,000 or more
– RV/Camper: 97-120 month term must be $45,000 or more.
– RV/Camper: 121-144 month term must be $75,000 or more.
– RV/Camper Tier 1-4: Base LTV = 100%; we require GAP up to 115% LTV
– RV/Camper Tier 5-7: Base LTV = 80%; we require GAP up to 100% LTV
– If value is greater than $2,000 then full coverage Insurance is required.
New Watersports is defined as new from dealer (never registered)
– Watersport: 61-96 month term must be $25,000 or more
– Watersport: 97-120 month term must be $45,000 or more.
– Watersport: 121-144 month term must be $75,000 or more.
– Watersport: Base LTV = 100%; we require GAP up to 115% LTV
– If value is greater than $2,000 then full coverage Insurance is required.
Used Watersports is defined as pre-owed
– Watersport: 61-96 month term must be $25,000 or more
– Watersport: 97-120 month term must be $45,000 or more.
– Watersport: 121-144 month term must be $75,000 or more.
– Watersport: Base LTV = 80%; we require GAP up to 100% LTV
– If value is greater than $2,000 then full coverage Insurance is required.
New Powersport is defined as new from dealer (never registered)
– Powersport: 61-72 month term must be $15,000 or more
– Powersport: 73-84 month term must be $30,000 or more.
– Powersport: Base LTV = 100%; we require GAP up to 115% LTV
Used Powersport is defined as pre-owed
– Powersport: 61-72 month term must be $15,000 or more
– Powersport: 73-84 month term must be $30,000 or more.
– Powersport: Base LTV = 80%; we require GAP up to 100% LTV
New Tractors is defined as new from dealer (never registered)
– Tractor: 61-96 month term must be $25,000 or more
– Tractor: 97-120 month term must be $40,000 or more.
– Tractor: 122-144 month term must be $50,000 or more.
– Tractor: Base LTV = 100%
– If the value is greater than $7,000 then full coverage Insurance is required.
Used Tractors is defined as pre-owed
– Tractor: 61-96 month term must be $25,000 or more
– Tractor: 97-120 month term must be $40,000 or more.
– Tractor: 122-144 month term must be $50,000 or more.
– Tractor: Base LTV = 80%
– Tractor: Can not be older than 10 years
– If the value is greater than $7,000 then full coverage Insurance is required.
New Implements is defined as new from dealer (never owed or registered)
– Implements: 61-72 month term must be $15,000 or more
– Implements: 73-84 month term must be $20,000 or more.
– Implements: Base LTV = 100%
– Implements Older: Can not be older than 10 years
Signature Loans: I-R Federal Credit Union has a tiered credit rating that qualifies you the available amount that can be borrowed.
– Tier 1-3 = $20,000 maximum
– Tier 4 = Up to $10,000
– Tier 5 = Up to $5,000
– Tier 6 = Up to $3,000
Visa Credit Cards: Borrower must meet credit union lending guidelines and membership eligibility requirements. Rates are subject to change at any time.
Payment examples do not include taxes and insurance(s) and the actual payment obligation may be greater. Other Rates are available. Rates and terms are subject to credit approval and can change without notice. Home Equity Plus is only available for qualified borrowers based on creditworthiness and approval. Ingersoll Rand Federal Credit Union is an Equal Housing Lender.