| Vehicle Loans |
| Effective Date: Tuesday, December 5th, 2023 |
| | APR* AS LOW AS | Terms* | Monthly Payment Per $1000 Borrowed |
| New Titled Vehicles - 2021 & Newer |
| |
6.00% |
36 Months |
$30.42 |
| |
6.25% |
48 Months |
$23.60 |
| |
6.75% |
60 Months |
$19.68 |
| |
7.00% |
72 Months |
$17.05 |
| |
7.25% |
84 Months |
$15.22 |
| Used Titled Vehicles - 2020 - 2013 |
| |
6.50% |
36 Months |
$30.65 |
| |
6.75% |
48 Months |
$23.83 |
| |
6.80% |
60 Months |
$19.71 |
| |
7.00% |
72 Months |
$17.05 |
| 2012 & Older |
Unsecured Rates |
|
|
*APR= Annual Percentage Rate. APRs will vary based on terms and creditworthiness. Terms, conditions, and restrictions apply. All loans subject to Integra First's normal credit requirements. Rates and terms subject to change without notice. *72 month term is only available on model year 2017 or newer. |
| Annual Percentage Rate (APRs) stated above are based on financing up to 125% of value. |
| Recreational Vehicle Loans |
| Effective Date: Tuesday, December 5th, 2023 |
| | APR* AS LOW AS | Maximum Term | Monthly Payment Per $1000 Borrowed |
| Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2021 & Newer |
| Rates for 120 and 180 month terms apply to New or Used Titled Recreational Vehicles (i.e. campers, motorhomes, boats). In order to qualify for 120 month financing, vehicle must be current year or current model year minus five years, and have a NADA Guide value of $15,000 or more. In order to qualify for 180 month financing, vehicle must be current year or current model year minus five years, and have a NADA Guide value of $25,000 or more. |
| |
6.00% |
36 Months |
$30.42 |
| |
6.25% |
48 Months |
$23.60 |
| |
6.75% |
60 Months |
$19.68 |
| |
7.00% |
72 Months |
$17.05 |
| |
7.25% |
84 months |
$15.22 |
| |
8.00% |
120 Months |
$12.13 |
| |
8.25% |
180 Months |
$9.70 |
| Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2020-2013 |
| |
6.50% |
36 Months |
$30.65 |
| |
6.75% |
48 Months |
$23.83 |
| |
6.80% |
60 Months |
$19.71 |
| |
7.00% |
72 Months |
$17.05 |
| Non-Titled Recreational Vehicles - 2021 & Newer |
| |
7.50% |
36 Months |
$31.11 |
| |
7.75% |
48 Months |
$24.30 |
| |
8.00% |
60 Months |
$20.28 |
| Non-Titled Recreational Vehicles - 2020 & Older |
| |
8.00% |
36 Months |
$31.34 |
| |
8.50% |
48 Months |
$24.65 |
| *APR= Annual Percentage Rate. IFFCU has the right to change rates at any time. All rates and terms subject to credit approval. |
| Annual Percentage Rate (APRs) stated above are based on financing up to 125% of value for titled & non-titled recreational vehicles. |
| Home Equity Loans |
| Effective Date: Tuesday, December 5th, 2023 |
| | ***** | **** |
| For more information regarding our HELOC product, contact one of our mortgage loan officers. |
| Programs, rates, terms and conditions are subject to change without to notice. |
| Unsecured Loans |
| Effective Date: Tuesday, December 5th, 2023 |
| APR* | Maximum Term (Up to 60 Months) | Monthly Payment Per $1000 Borrowed |
| Unsecured Personal Loans |
| 10.00% |
36 Months |
$32.28 |
| 10.50% |
48 Months |
$25.62 |
| 11.50% |
60 Months |
$22.01 |
| Term Certificate/Share Secured Loans |
| 4.00% |
60 Months |
$18.42 |
| Single Payment Loans |
| 14.25% |
90 Day Note |
$1,000.00 |
| *APR= Annual Percentage Rate. IFFCU has the right to change rates at any time. All rates and terms subject to credit approval. |
| Savings Accounts |
| Effective Date: Tuesday, December 5th, 2023 |
| | Dividend Rate | APY* | Minimum Balance |
| Regular Savings Accounts |
.20% |
.20% |
$10 |
| Christmas Club Accounts |
.20% |
.20% |
|
| Vacation Club Accounts |
.20% |
.20% |
|
| Roth, Educational & Traditional IRA Accounts |
.50% |
.50% |
$10 |
*APY = Annual Percentage Yield. All accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates subject to change without notice. Fees may reduce earnings.
|
| Money Market Accounts |
| Effective Date: Tuesday, December 5th, 2023 |
| Minimum Balance | Dividend Rate | APY* |
| $500.00 - $9,999.99 |
.25% |
.25% |
| $10,000.00 - $24,999.99 |
.60% |
.60% |
| $25,000.00 - $49,999.99 |
1.00% |
1.00% |
| $50,000.00 and Over |
1.25% |
1.25% |
*APY = Annual Percentage Yield. All accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates are subject to change without notice. Fees may reduce earnings.
|
| Term Certificate Accounts |
| Effective Date: Tuesday, December 5th, 2023 |
| Term | Dividend Rate | APY* | Minimum Balance |
| 6 Months |
1.51% |
1.52% |
$2,500 |
| 12 Months (Special) |
5.75% |
5.90% |
$500 |
| 22 Months (Special) |
4.25% |
4.33% |
$500 |
| 24 Months |
2.50% |
2.52% |
$500 |
| 36 Months |
2.65% |
2.68% |
$500 |
| 48 Months |
2.75% |
2.78% |
$500 |
| 60 Months |
3.00% |
3.04% |
$500 |
*APY = Annual Percentage Yield. All certificate accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates are subject to change without notice. A penalty fee will be imposed for early withdrawal.
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