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Loan Rates Savings Rates Certificate Rates Fee Schedule

Loans
 
Vehicle LoansTerm (approximate)APR* as low asAmount Financed
New Auto/Truck/Motorcycle136 month1.99%up to 115%
48 or 60 month2.85%up to 115%
66 month3.24%up to 115%
72 Month3.49%up to 115%
84 Month3.99%up to 115%
Used Auto/Truck/Motorcycle136 Month3.24%up to 115%
48 Month3.49%up to 115%
60 or 66 Month1a3.49%up to 115%
72 Month1b3.99%up to 115%
84 Month5.24%up to 115%
Older Used 140,60,66 Month1c5.35%up to 115%
 
The payment on a $10,000 loan would be $162.23 by using $16.22 per $1,000 at a non-variable interest rate of 5.25% APR* with a 72 month term. 
84 Month Term only available on Vehicles valued at $40,000 and higher
Vehicle Refi Special: Refinance you vehicle with IRfcu and you could receive up to $300 cash back!
Are you a member with a vehicle loan at another financial institution? If you refinance with us you could receive a lower rate and up to $300 cash back!** If we can't beat your current rate, we'll match it!** Hurry, this is a limited time offer!
 
**Loan rate will be determined by your personal credit history. Cash back amount based on loan value. Cash back will be paid 60 days after loan closure, minimum $10,00 loan amount. New money only. This offer is subject to change without notice. Limited time offer August 1, 2018 through December 31, 2018. 1.99% rate floor. Member eligibility required.
 
 
Personal LoansTerms (approximate)APR* as low asAmount Financed
Personal Loan2a60 Month6.00%N/A
Signature Personal2b60 Month8.50%N/A
Share Secure60 Month4.50%N/A
 
The payment on a $10,000 loan would be $205.19, $20.51 per $1,000 at a non-variable interest rate of 8.50% APR* with a 60 month term.
 
Recreational Vehicle LoansTerms (approximate)APR* as low asAmount Financed
New RV/Boat336 Month 3.49%up to 115%
60 Month4.00%up to 115%
96 Month5.00%up to 115%
120 Month6.00%up to 115%
144 Month6.50%up to 115%
Used RV/Boat336 Month3.99%up to 115%
60 Month4.49%up to 115%
96 Month5.49%up to 115%
120 Month6.49%up to 115%
144 Month6.99%up to 115%
$0-$15k up to 72 mo, over $15k up to 120 mo
Off Road Vehicles3a0-60 Month7.30%up to 115%
 
The payment on a $10,000 loan would be $184.18 by using $18.42 per $1,000 at a non-variable interest rate of 4.00% APR* with a 60 Mo term.
 
Mortgage/ Home EquityTerms (approximate)APR* as low asAmount Financed
First Mortgage4call to inquirecall to inquireN/A
Home Equity Plus460 Month3.50%N/A
120 Month4.50%N/A
180 Month5.00%N/A
Home Equity Under 15k4up to 84 Month6.10%N/A
Home Equity Over 15k4 180 Month6.10%N/A
 
A $10,000.00 Home Equity Loan at 3.50% requires 60 monthly payments of $181.93 for principal and interest.4
 
Visa Credit CardsTerms (approximate)APR* as low asAmount Financed
Visa Classic5N/A12.90%N/A
Visa Platinum5 N/A9.50%N/A
Student Visa Classic5N/A9.50%N/A
 
*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.
 
 
1 New vehicle/motorcycle is defined as model years 2017 and newer with less than 10,000 miles . Mileage must be verified by loan personnel. Used vehicle/motorcycles are defined as model years 2011 or newer. Older used vehicles and motorcyles are defined as model years covering 2010 and older. Used vehicle value determined by using the current NADA retail book value; new vehicle value determined by using, MSRP. We finance up to 115%.
1a Used vehicle - 66-month term available for vehicles with a NADA retail book value greater than $20,000
1b Used vehicle- 72 month term available for vehicles with a NADA retail book value greater than $25,000
1c Older used vehicle or motorcycles- 60 and 66 month terms avaialable for vehicles with NADA retail book value greater than $15,000
 
2 Personal Loans have a $10,000.00 Limit new money only.
2 Signature Loans have a $20,000.00 limit. Require collateral
 
3 New Recreational Vehicles are vehicles of the current or previous model year or newer with less than $10,000 miles. Mileage must be verified by loan personnel. Used Recreational vehicles are vehicles older than the current model year up to 7 model years in age.
3a Off-Road vehicles inclue ATVs, UTVs four wheelers, dirt bikes, personal watercraft, boats, and snow mobiles
 
4 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 credit worthiness and approval. Ingersoll Rand Federal Credit Union is an Equal Housing Lender.
 
5 Visa Credit Cards: Borrower must meet credit union lending guidelines and membership eligibility requirements. Rates are subject to change at any time.
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