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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: Friday, May 24th, 2019
APR* AS LOW ASTerms*
New Titled Vehicles
2017 & Newer 3.45% 36 Months
Used Titled Vehicles
2016 - 2008 3.85% 36 Months
2016 -2008 4.45% 72 Months
2007 & Older Unsecured Rate  
*APR=Annual Percentage Rate. Rates and terms are subject to change and based on credit score.
*Up to 84 month terms available for new vehicles only. Programs, rates, terms and conditions are subject to change without to notice.
Titled Vehicle Sample Payment: $10,000.00 at 4.20% for 60 mo. = $185.07 monthly payment

Recreational Vehicle Loans
Effective Date: Friday, May 24th, 2019
APR* AS LOW ASMaximum Term
Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc.
New 4.85% 120 Months (for loans +$25,000.00) 84 months (for loans - $25,000.00)
1-3 Years Old 5.25% 96 Months (for loans + $25,000.00) 84 months (for loans - $25,000.00)
4-6 Years Old 6.25% 60 Months
Over 6 Years Old 7.35% 48 Months
Titled Recreational, such as: ATV's, UTV's, etc.
New 4.00% 60 Months
1-2 Years Old 4.75% 48 Months
*APR=Annual Percentage Rate. Rates and terms are subject to change and based on credit score.
Untitled Recreational Vehicles - Secured Loans (UCC Filed)
1 yr & Newer 5.00% 60 Months
2 yrs & Older 5.75% 48 Months
Programs, rates, terms and conditions are subject to change without to notice.
Titled Recreational Vehicle Sample Payment: $20,000.00 at 3.75% for 60 mo. = $377.42 monthly payment.

Home Equity Loans
Effective Date: Friday, May 24th, 2019
*********
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: Friday, May 24th, 2019
APR*Maximum Term (Up to 48 Months)
8.25% Up to $5,000.00
10.25% $5,001.00 to $10,000.00
12.25% $10,001.00 to $15,000.00

*APR=Annual Percentage Rate. Rates and terms. are subject to change & based on credit score.

Unsecured Loan Sample Payment: $10,000.00 at 9.85% for 36 mo. = $321.94 monthly payment

Term Certificate/Share Secured Loans - Sample Payment: $10,000.00 at 4% for 60 mo. = $184.17 monthly payment
4.00% 60 Months
Single Payment Loans - Sample Payment: $1,000.00 at 12.25% for 90 days = $1030.21 one payment
12.50% 90 Days
Programs, rates, terms and conditions are subject to change without to notice.

Savings Rates

Savings Accounts
Effective Date: Friday, May 24th, 2019
RATEAPY*Minimum Balance
Regular Savings Accounts .15% .15% $10
Christmas Club Accounts .15% .15%  
Vacation Club Accounts .15% .15%  
Roth, Educational & Traditional IRA Accounts .65% .65% $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: Friday, May 24th, 2019
Minimum BalanceRATESAPY*
$500.00 - $9,999.99 .35% .35%
$10,000.00 - $24,999.99 .40% 40%
$25,000.00 - $49,999.99 .50% .50%
$50,000.00 and Over .60% .60%
*APY = Annual Percentage Yield.

Term Certificate Accounts
Effective Date: Friday, May 24th, 2019
TermRATESAPY*Minimum Balance
6 Months .25% .26% $2,500
1 Year .65% .65% $500
2 Year .80% .81% $500
3 Year .90% .91% $500
4 Year 1.70 1.72% $500
5 Year 2.00% 2.02% $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.
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A penalty will or may be imposed for early withdrawal.

 

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