Rates

Auto Loans- 2020 or Newer

CREDIT RANGE 0-36 months34-48 months49-66 months 67-72 months73-84 month
Excellent
No past credit issues		3.99%4.24%4.49%4.99%5.99%
Good
No recent credit issues		4.49%4.74%4.99%5.24%6.24%
Ok
Had some issues in the past 		5.99%7.49%8.74%8.74%9.24%
Needs some improvement
8.74%8.74%12.75% 12.75% 13.25%
Multiple credit issues…
but we’ll try to work with you 		12.75% 12.75% 15.75% 15.75% 16.25%
Notes: Vehicle must have less than 20,000 miles. 84 month term must be more than $30,000
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Used Vehicle 2014-2019

CREDIT RANGE 0-36 months34-48 months49-66 months 67-72 months73-84 months
Excellent
No past credit issues		4.99%5.24%5.49%5.74%6.24%
Good
No recent credit issues		5.24%5.49%5.99%6.24%6.74%
Ok
Had some issues in the past 		6.24%7.74%9.24%10.24%10.99%
Needs some improvement
8.99%9.99%14.00% 14.00% 14.00%
Multiple credit issues…
but we’ll try to work with you 		13.75% 13.75% 17.00% 17.00% 17.00%
Notes: 66 month term must have loan value more than $15,000, 72 month must have loan value more than $25,000, 84 months must have loan value more than $40,000
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Older Vehicle 2013 and Older

CREDIT RANGE 0-36 months34-48 months49-66 months 67-72 months73-84 months
Excellent
No past credit issues		7.49%7.74%7.99%N/A N/A
Good
No recent credit issues		7.74% 7.99% 8.24% N/A N/A
Ok
Had some issues in the past 		11.30% 11.30% 11.30% N/A N/A
Needs some improvement
14.50% 14.50% 14.50% N/A N/A
Multiple credit issues…
but we’ll try to work with you 		17.50% 17.50% 17.50% N/A N/A
Notes: 60, 66 month term must be greater than $15,000
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New Motorcycle 2020 and Newer

CREDIT RANGE 0-36 months34-48 months49-66 months 67-72 months73-84 month
Excellent
No past credit issues		4.24%4.49%4.99%5.49%6.24%
Good
No recent credit issues		4.74%4.99%5.49%5.74%6.49%
Ok
Had some issues in the past 		6.24%7.74%9.24%9.24%9.49%
Needs some improvement
8.99%8.99%13.24% 13.25% 13.25%
Multiple credit issues…
but we’ll try to work with you 		13.00% 13.00% 16.25% 16.25% 16.25%

Used Motorcycle 2014-2019 and Newer

CREDIT RANGE 0-36 months34-48 months49-66 months 67-72 months73-84 month
Excellent
No past credit issues		5.74%5.99%6.24%6.49%6.99%
Good
No recent credit issues		5.99%6.24%6.74%6.99%7.49%
Ok
Had some issues in the past 		6.99%8.49%9.99%10.99%11.74%
Needs some improvement
8.74%10.74%14.75% 14.75% 14.75%
Multiple credit issues…
but we’ll try to work with you 		14.50% 14.50% 17.25% 17.25% 17.25%

New RV/ Boats 2020 or Newer

CREDIT RANGE 36
months		60
months		96
months 		120
months		144
months
Excellent
No past credit issues		5.49%5.99%6.49%7.24%7.74%
Good
No recent credit issues		5.49%5.99%6.49%7.74%8.29%
Ok
Had some issues in the past 		12.25%12.25% 12.25% 12.24% N/A
Needs some improvement
15.75%15.75%15.75%15.75% N/A
Multiple credit issues…
but we’ll try to work with you 		17.75%17.75%17.75% 17.75% N/A
Apply Here

Used RV/ Boats 2019 or Older

CREDIT RANGE 36
months		60
months		96
months 		120
months		144
months
Excellent
No past credit issues		6.24%6.74%8.24%8.99%9.99%
Good
No recent credit issues		6.24%6.74%8.24% 9.74%10.99%
Ok
Had some issues in the past 		12.30%12.30%12.30%12.30%N/A
Needs some improvement
15.50%15.50%15.50%15.50% N/A
Multiple credit issues…
but we’ll try to work with you 		17.75% 17.75% 17.75% 17.75% N/A
Notes: Loan value between $0.00 – $15,000 can be up to 72 month, over $15,000 can be up to 144 months
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Home Equity (1st Lien)

CREDIT RANGE 60
months		120
months 		180
months		240
months
Excellent
No past credit issues		5.74%5.99%6.74%6.99%
Good
No recent credit issues		5.99%6.24% 6.99%7.24%
Ok
Had some issues in the past 		6.74%7.24%8.24%8.74%
Needs some improvement
 N/A N/A N/A N/A
Multiple credit issues…
but we’ll try to work with you 		N/A N/A N/A N/A
Apply Here

Home Equity (2nd Lien)

CREDIT RANGE 60
months		120
months 		180
months		240
months
Excellent
No past credit issues		5.99%6.74%6.99% N/A
Good
No recent credit issues		6.24%6.99% 7.24% N/A
Ok
Had some issues in the past 		7.24%8.49%8.99% N/A
Needs some improvement
 N/A N/A N/A N/A
Multiple credit issues…
but we’ll try to work with you 		N/A N/A N/A N/A
Apply Here

Mortgages

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!
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Share Loans (Personal)

Credit Range
Excellent No past credit issues
Good No recent credit issues
Ok Had some issues in the past
Needs some improvement
Multiple credit issues…but we’ll try to work with you
Notes: $20,000 limit

With Collateral

0-24 months25-60 months
7.74%9.74%
7.99%9.99%
12.50%13.50%
16.74%17.49%
17.75%17.75%

Without Collateral

0-24 months25-60 months
7.74%9.74%
7.99%9.99%
12.50%13.50%
16.74%17.49%
17.75%17.75%
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Share Secure Loan

SHARE SECURED 0-36
months		34-48
months		49-66
months		67-72
months		73-84
month
2.49%2.49%2.49%2.49%2.49%
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Addiction Recovery

Credit Range 36 months60 months
Excellent
No past credit issues 		0.99%1.99%
Good
No recent credit issues 		0.99%1.99%
Ok
Had some issues in the past 		0.99%1.99%
Needs some improvement N/A N/A
Multiple credit issues
…but we’ll try to work with you 		N/A N/A
Apply Here

VISA Credit Cards

Card TypeUp to $5,000Over $5,000Up to $1,000
Visa Classic12.90% N/A N/A
Visa PlatinumN/A9.50% N/A
Credit Builder N/A N/A 5.99%

Savings & Certificate Rates

Account Type Minimum DepositMinimum BalanceAPY
Savings$5.00$5.000.1%
Savings $5.00 $2,500.000.15%
Savings $5.00 $20,000.000.2%
SubsharesN/A$00.1%
SubsharesN/A $2,500.000.15%
SubsharesN/A$20,000.000.2%
Christmas ClubN/A $5.000.1%
Christmas ClubN/A $2,500.000.15%
Christmas ClubN/A $20,000.000.2%
Traditional IRA Accum ShareN/A $00.65%
Roth Conventional Accum ShareN/A $0 0.65%
Roth IRA Accum ShareN/A $0 0.65%
SEP IRAN/A $0 0.65%
Share DraftN/A $0 0%
Certificate TermAPYMinimum Deposit
3 Month1.00%$1,000.00
6 Month2.27%$1,000.00
12 Month2.52%$1,000.00
18 Month3.03% $1,000.00
24 Month3.09%$1,000.00
30 Month3.19%$1,000.00
36 Month3.34%$1,000.00
48 Month3.55%$1,000.00
60 Month3.60%$1,000.00
IRA Share Certificate TermAPYMinimum Deposit
18 Month3.03%$1,000.00
36 Month 3.34%$1,000.00
60 Month3.60%$1,000.00

Loan Calculator

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Results

Instructions

  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Certificate termAPY*Minimum Deposit
9Months4.50%$1000.00
*Annual Percentage Yield. APYs current as o11.8.2022 and apply to Share Certificates opened in new money with at least the minimum amount indicated.  Minimum balance must be maintained to obtain APY. Early withdrawal penalties apply.  Fees may reduce earnings. Offer is subject to change or termination at any time without notice.

*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.


IRFCU is accepting Board applications and nominees until December 18, 2022. Click to Apply