Rates

AUTO LOANS

TERMS 0-36 months37-48 months49-60 months 61-72 months73-84 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 months37-48 months49-60 months 61-72 months73-84 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 months37-48 months49-60 months 61-72 months73-84 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 months37-48 months49-60 months 61-72 months73-84 month
Rates as low as:6.49%6.74%6.99%7.74%7.74%
TERMS 0-36 months37-48 months49-60 months 61-72 months73-84 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 months37-48 months49-60 months 61-72 months73-84 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 months37-48 months49-60 months 61-72 months73-84 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 months37-60 months61-96 months 97-120 months121-144 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 months37-60 months61-96 months 97-120 months121-144 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%
TERMS0-60
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 months25-60 months
9.74%11.49%

Without Collateral

0-24 months25-60 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%
TERMS36 months60 months
Rates as low as0.99%1.99%
TERMS0-60 months61-120 months121-180 months
Rates as low as5.49%6.49%7.99%


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/a5.99%

SAVINGS

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 Month2.37%$1,000.00
12 Month2.73%$1,000.00
18 Month4.32% $1,000.00
24 Month3.75%$1,000.00
30 Month3.80%$1,000.00
36 Month3.75%$1,000.00
48 Month3.55%$1,000.00
60 Month3.19%$1,000.00
IRA Share Certificate TermAPYMinimum Deposit
18 Month4.84%$1,000.00
36 Month 3.75%$1,000.00
60 Month3.19%$1,000.00

Loan Calculator

$
 %

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 SPECIAL

We are making the wait worth it!

Certificate termAPY*Minimum Deposit
9 Months4.89%$1000.00
18 Months4.32%$1000.00
*Annual Percentage Yield. APYs current as of 9.23.2024 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 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.


Would you like to be a board member? You may apply now through January 17, 2025.Click to Apply