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Rates 

Loan Rates

IFFCU NMLS #463781          IFFCU Employee/NMLS # List

For mortgage rates, please contact one of our experienced mortgage loan officers.

Vehicle Loans
Effective Date: Sunday, November 29th, 2020
APR* AS LOW ASTerms*Monthly Payment Per $1000 Borrowed
New Titled Vehicles - 2018 & Newer
  2.45% 36 Months $28.84
  2.60% 48 Months $21.96
  2.85% 60 Months $17.91
  3.00% 72 Months $15.20
  3.25% 84 Months $13.33
Used Titled Vehicles - 2017 - 2009
  2.85% 36 Months $29.02
  3.05% 48 Months $22.16
  3.20% 60 Months $18.06
  3.45% 72 Months $15.40
2008 & Older Unsecured Rates    
*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.

Recreational Vehicle Loans
Effective Date: Sunday, November 29th, 2020
APR* AS LOW ASMaximum TermMonthly Payment Per $1000 Borrowed
Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2018 & 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.
  2.45% 36 Months $28.84
  2.60% 48 Months $21.96
  2.85% 60 Months $17.91
  3.00% 72 Months $15.20
  3.25% 84 months $13.33
  4.50% 120 Months $10.37
  4.75% 180 Months $7.78
Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2017 - 2009
  2.85% 36 Months $29.02
  3.05% 48 Months $22.16
  3.20% 60 Months $18.06
  3.45% 72 Months $15.40
Non-Titled Recreational Vehicles - 2019 & Newer
  3.50% 36 Months $29.31
  3.75% 48 Months $22.47
  4.00% 60 Months $18.42
Non-Titled Recreational Vehicles - 2018 & Older
  4.25% 36 Months $29.64
  4.75% 48 Months $22.92
*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: Sunday, November 29th, 2020
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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: Sunday, November 29th, 2020
APR*Maximum Term (Up to 60 Months)Monthly Payment Per $1000 Borrowed
Unsecured Personal Loans
7.25% 36 Months $31.00
7.75% 48 Months $24.30
8.75% 60 Months $20.64
Term Certificate/Share Secured Loans
4.00% 60 Months $18.42
Single Payment Loans
*APR= Annual Percentage Rate. IFFCU has the right to change rates at any time. All rates and terms subject to credit approval.

Savings Rates

Savings Accounts
Effective Date: Sunday, November 29th, 2020
RATEAPY*Minimum Balance
Regular Savings Accounts .10% .10% $10
Christmas Club Accounts .10% .10%  
Vacation Club Accounts .10% .10%  
Roth, Educational & Traditional IRA Accounts .55% .55% $10
*APY = Annual Percentage Yield.
All accounts will have dividends calculated on the daily balance. All rates subject to change without notice.

Money Market Accounts
Effective Date: Sunday, November 29th, 2020
Minimum BalanceRATESAPY*
$500.00 - $9,999.99 .10% .10%
$10,000.00 - $24,999.99 .10% .10%
$25,000.00 - $49,999.99 .20% .20%
$50,000.00 and Over .30% .30%
*APY = Annual Percentage Yield.

Term Certificate Accounts
Effective Date: Sunday, November 29th, 2020
TermRATESAPY*Minimum Balance
6 Months .25% .26% $2,500
12 Months .40% .41% $500
24 Months .60% .61% $500
36 Months .85% .86% $500
48 Months 1.10% 1.11% $500
60 Months 1.20% 1.21% $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.
A penalty fee will be imposed for early withdrawal.

 

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