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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, May 26th, 2024
APR* AS LOW ASTerms*Monthly Payment Per $1000 Borrowed
New Titled Vehicles - 2023 & 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 - 2022 - 2014
  6.50% 36 Months $30.65
  6.75% 48 Months $23.83
  6.80% 60 Months $19.71
  7.00% 72 Months $17.05
2013 & 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 2018 or newer. 

Annual Percentage Rate (APRs) stated above are based on financing up to 125% of value.

Recreational Vehicle Loans
Effective Date: Sunday, May 26th, 2024
APR* AS LOW ASMaximum TermMonthly Payment Per $1000 Borrowed
Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2023 & 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. - 2022-2014
  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 - 2023 & Newer
  7.50% 36 Months $31.11
  7.75% 48 Months $24.30
  8.00% 60 Months $20.28
Non-Titled Recreational Vehicles - 2022 & 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: Sunday, May 26th, 2024
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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, May 26th, 2024
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 Rates

Savings Accounts
Effective Date: Sunday, May 26th, 2024
Dividend RateAPY*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: Sunday, May 26th, 2024
Minimum BalanceDividend RateAPY*
$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: Sunday, May 26th, 2024
TermDividend RateAPY*Minimum Balance
6 Months 1.51% 1.52% $2,500
12 Months 2.32% 2.35% $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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