*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/motorcycle is defined as model years covering current calendar year and the prior calendar year and newer with less than 10,000 miles . Mileage must be verified by loan personnel. Used vehicles/motorcycles are defined as model years older than the current model year covering 2014. Older used vehicles and motorcycles are defined as model years covering  2011 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%.

Used vehicle – 66-month term available for vehicles with a NADA retail book value greater than $20,000

Used vehicle- 72 month term available for vehicles with a NADA retail book value greater than $25,000

Older used vehicle or motorcycles- 60 and 66 month terms avaialable for vehicles with NADA retail book value greater than $15,000

Personal Loans have a $10,000.00 Limit new money only.

Signature Loans have a $20,000.00 limit. Require collateral

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.

Off-Road vehicles include ATVs, UTVs four wheelers, dirt bikes, personal watercraft, boats, and snowmobiles

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.