Rates

Loan Rates
Loan Rate APR* Term
New Vehicle as low as 2.90 2.90 60
New Vehicle as low as 3.30 3.30 72
New Vehicle as low as 4.25 4.25 84
Used Vehicle 2015-2017 as low as 3.75 3.75 60
Used Vehicle 2015-2017 as low as 4.25 4.25 72
Used Vehicle 2011-2014 as low as 4.75 4.75 48
Used Vehicle 2011-2014  as low as 5.00 5.00 60
2010 Used Vehicle as low as 6.99 6.99 48
2009 Used Vehicle as low as 7.99 7.99 36
New Motorcycle as low as 4.00 4.00 60
Used Motorcycle as low as 6.74 6.74 36
Used Motorcycle as low as 7.74 7.74 48
Vacation Loan – Up to $2000 as low as 5.50 5.50 24
Signature – Up to $10,000.00 as low as 9.50 9.50 72
Shared Secured – Up to your total share balance 2.60 2.60 36
Shared Secured – Up to your total share balance 3.10 3.10 60
Visa – Up to $10,000 12.90 12.90 n/a
 All Purpose Loan up to $5,000.00 as low as  7.50 7.50  60
Home Equity – 80% of Appraised Value 3.95 3.95 60
Home Equity – 80% of Appraised Value 4.95 4.95 120
Home Equity – 80% of Appraised Value 5.95 5.95 180
Home Equity – 90% of Appraised Value 4.95 4.95 60
Home Equity – 90% of Appraised Value 5.95 5.95 120
Home Equity – 90% of Appraised Value 6.95 6.95 180
Recreation Vehicle New as low as 6.00 6.00 60
Recreation Vehicle New as low as 7.00 7.00 120
Recreation Vehicle Used as low as 7.75 7.75 48
Recreation Vehicle Used as low as 8.75 8.75 60
Recreation Vehicle Used as low as 9.75 9.75 72
*APR – Annual Percentage Rates – Rates current as of March 1, 2017.
The following rates are based upon approved credit. IWFCU is an equal opportunity lender. Rates are subject to change without notice.The rates applicable for each borrower will be based on their individual credit worthiness. All loans approvals are subject to normal loan underwriting guidelines. Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Fixed interest rate home equity loans. 90% MAXIMUM LOAN TO VALUE (LTV) depending on term.Credit Disability and Credit Life insurance are available at affordable group rates. Gap insurance is available on auto loans. Automobile loans and rates are determined by the value and amount financed at Credit Union
Dividend Rates
Savings Dividend Rate APY* Term
Regular Share Account .10 0.10 n/a
Youth Accounts .10 0.10 n/a
Christmas Club .05 0.05 n/a
Vacation Club .05 0.05 n/a
Special Club Account .05 0.05 n/a
6 Month CD (minimum of 500.00) 1.00 1.00 6 Months
12 Month CD (minimum of 1,000.00) 1.50 1.51 12 Months
18 Month CD (minimum of 1,000.00) 1.75 1.76 18 Months
24 Month CD (minimum of 2,500.00) 2.00 2.02 24 Months
YOUTH CERTIFICATE MINIMUM $250.00 @ .30% APY .30%

SEVENTEEN AND UNDER

*APY – Annual Percentage Yield
All share accounts federally insured up to $250,000 by the NCUA.
Dividends are paid quarterly on the average daily balance. Rates subject to change at the discretion of the Board of Directors.