Rates

AUTO LOANS

TERMS 0-36 months37-48 months49-60 months 61-72 months73-84 month
Rates as low as:6.24%6.49%6.49%6.99%7.49%
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:8.49%8.74%8.99%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 Month4.58% $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

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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 SPECIAL

We are making the wait worth it!

Certificate termAPY*Minimum Deposit
9 Months5.35%$1000.00
18 Months4.58%$1000.00
*Annual Percentage Yield. APYs current as of 8.1.2023 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 available 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.