Rates

New Rates Effective January 2, 2019

Vehicle Loan Rates
Type APR Term
New Auto As Low As 2.90% Up to 60 months
New Auto As Low As 3.30% Up to 72 months
New Auto As Low As 4.25% Up to 84 months
Used Auto 2016-2018 As Low As 3.75% Up to 60 months
Used Auto 2016-2018 As Low As 4.25% Up to 72 months
Used Auto 2012-2015 As Low As 4.75% Up to 48 months
Used Auto 2012-2015 As Low As 5.00% Up to 72 months
Used Auto 2011 As Low As 6.99% Up to 48 months
Used Auto 2010 As Low As 7.99% Up to 36 months
New Motorcycle As Low As 4.00% Up to 60 months
Used Motorcycle As Low As 6.74% Up to 36 months
Used Motorcycle As Low As 7.74% Up to 48 months
New Recreational As Low As 6.00% Up to 60 months
New Recreational As Low As 7.00% Up to 120 months
Used Recreational As Low As 7.75% Up to 48 months
Used Recreational As Low As 8.75% Up to 60 months
Used Recreational As Low As 9.75% Up to 72 months

 

Personal Loan Rates
Type APR Term
Personal As Low As 7.00% Up to 12 months
Personal As Low As 8.00% Up to 24 months
Personal As Low As 9.50% Up to 36 months
Personal As Low As 12.50% Up to 48 months
Personal As Low As 14.00% Up to 60 months
Personal As Low As 15.00% Up to 72 months
Share Secured 2.60% (fixed) Up to 36 months
Share Secured 3.10% (fixed) Up to 60 months
Visa Credit Card 12.9% (fixed) Revolving

 

Home Equity Loan Rates
Type APR Term
80% of Appraised Value 3.95% Up to 60 months
80% of Appraised Value 4.95% Up to 120 months
80% of Appraised Value 5.95% Up to 180 months
90% of Appraised Value 4.95% Up to 60 months
90% of Appraised Value 5.95% Up to 120 months
90% of Appraised Value 6.95% Up to 180 months
*APR – Annual Percentage Rates – Rates current as of January 2, 2019.
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) 1.00% 1.00% 6 months
12 Month CD (minimum of $1,000) 1.50% 1.51% 12 months
18 Month CD (minimum of $1,000) 1.75% 1.76% 18 months
24 Month CD (minimum of $2,500) 2.00% 2.02% 24 months
Youth CD (minimum of $250)
* 17 years old and younger
.30% .30% 3 months
*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.