AUTO LOANS
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 5.74% | 5.99% | 6.24% | 6.74% | 7.24% |
| Notes: Vehicle must have less than 20,000 miles. 73-84 month term must be $30,000 or more |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 months |
|---|---|---|---|---|---|
| Rates as low as: | 6.74% | 6.99% | 7.24% | 7.74% | 7.99% |
| 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 months | 37-48 months | 49-60 months | 61-72 months | 73-84 months |
|---|---|---|---|---|---|
| Rates as low as: | 8.49% | 8.74% | 9.24% | N/A | N/A |
| Notes: 49-60 month term must be $15,000 or more |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 5.99% | 6.24% | 6.49% | 7.24% | 7.74% |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 6.99% | 7.24% | 7.49% | 7.99% | n/a |
RV/ CAMPERS
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 6.74% | 6.99% | 7.49% | 7.99% | 8.24% |
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months |
|---|---|---|---|---|---|
| Rates as low as: | 6.74% | 6.99% | 7.99% | 9.24% | 9.99% |
| 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: | 5.99% | 6.49% | 6.74% | 7.49% | 7.74% | 8.49% |
| TERMS | 0-36 months | 37-60 months | 61-96 months | 97-120 months | 121-144 months | 144-180 months |
|---|---|---|---|---|---|---|
| Rates as low as: | 7.49% | 7.99% | 8.24% | 8.99% | 9.24% | 9.99% |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 7.24% | 7.74% | 7.99% | 8.74% | 8.99% |
| 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 |
| TERMS | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
|---|---|---|---|---|---|
| Rates as low as: | 7.99% | 8.49% | 8.74% | 9.49% | 9.74% |
| 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 months | 37-60 months | 61-96 months | 97-120 months | 121-144 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 months | 37-60 months | 61-96 months | 97-120 months | 121-144 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: | 6.24% | 6.49% | 6.99% | 7.74% |
| TERMS | 0-60 months | 61-120 months | 121-180 months | 181-240 months |
|---|---|---|---|---|
| Rates as low as: | 6.74% | 6.99% | 7.49% | 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 months | 25-60 months |
|---|---|
| 8.99% | 10.99% |
Without Collateral
| 0-24 months | 25-60 months |
|---|---|
| 8.99% | 10.99% |
| SHARE SECURED | 0-36 months | 37-48 months | 49-60 months | 61-72 months | 73-84 month |
| 1.99% | 1.99% | 1.99% | 1.99% | 1.99% |
| TERMS | 36 months | 60 months |
|---|---|---|
| Rates as low as | 0.99% | 1.99% |
| Card Type | Up to $5,000 | Over $5,000 | Up to $1,000 |
|---|---|---|---|
| Visa Classic | 12.90% | n/a | n/a |
| Visa Platinum | n/a | 9.50% | n/a |
| Credit Builder | n/a | n/a | 5.99% |
SAVINGS
| Account Type | Minimum Deposit | Minimum Balance | APY |
|---|---|---|---|
| Savings | $5.00 | $5.00 | 0.1% |
| Savings | $5.00 | $2,500.00 | 0.15% |
| Savings | $5.00 | $20,000.00 | 0.2% |
| Subshares | N/A | $0 | 0.1% |
| Subshares | N/A | $2,500.00 | 0.15% |
| Subshares | N/A | $20,000.00 | 0.2% |
| Christmas Club | N/A | $5.00 | 0.1% |
| Christmas Club | N/A | $2,500.00 | 0.15% |
| Christmas Club | N/A | $20,000.00 | 0.2% |
| Traditional IRA Accum Share | N/A | $0 | 0.65% |
| Roth Conventional Accum Share | N/A | $0 | 0.65% |
| Roth IRA Accum Share | N/A | $0 | 0.65% |
| SEP IRA | N/A | $0 | 0.65% |
| Share Draft | N/A | $0 | 0% |
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 3 Month | 1.00% | $1,000.00 |
| 6 Month | 2.37% | $1,000.00 |
| 12 Month | 2.73% | $1,000.00 |
| 18 Month | 4.58% | $1,000.00 |
| 24 Month | 3.75% | $1,000.00 |
| 30 Month | 3.80% | $1,000.00 |
| 36 Month | 3.85% | $1,000.00 |
| 48 Month | 3.96% | $1,000.00 |
| 60 Month | 4.06% | $1,000.00 |
| IRA Share Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 18 Month | 4.58% | $1,000.00 |
| 36 Month | 3.85% | $1,000.00 |
| 60 Month | 4.06% | $1,000.00 |
CERTIFICATE SPECIAL
We are making the wait worth it!
| Certificate term | APY* | Minimum Deposit |
| 9 Months | 4.58% | $1000.00 |
| 18 Months | 4.58% | $1000.00 |
*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.