Rates

The following rates are intended as a quick reference guide only. Rates are subject to change without notice. Please download our rate sheet, call us, or stop by for our most up to date rate information.

Savings Rates - Effective Wednesday, October 28, 2015
APYMinimum
Deposit
Minimum
Balance
MONEY MARKET0.150%$1,000.00$1,000.00
MONEY MARKET0.150%$1,000.00$10,000.00
MONEY MARKET0.200%$1,000.00$25,000.00
REGULAR SHARES0.100%$0.00$25.00
REGULAR SHARES0.100%$0.00$1,001.01
REGULAR SHARES0.150%$0.00$2,501.01
REGULAR SHARES0.150%$0.00$5,001.01
HOLIDAY CLUB0.100%$0.00$0.00
TRAVEL CLUB0.100%$0.00$25.00
TRAVEL CLUB0.100%$0.00$1,001.01
TRAVEL CLUB0.150%$0.00$2,501.01
TRAVEL CLUB0.150%$0.00$5,001.01
SHARE DRAFT0.000%$0.00$0.00

**APY=Annual Percentage Yield

  • Regular Shares are Compounded Daily and Paid Quarterly.
  • Christmas Club is compounded Daily and Paid Annually on October 15.
  • Certificates are compounded Daily and Paid Monthly.
Certificate Rates - Effective Thursday, July 27, 2017
Certificate TermAPYMinimum Deposit
3 MONTH $ 1,000 MIN0.150%$1,000.00
3 MONTH $10,000 MIN0.150%$10,000.00
6 MONTH $10,000 MIN0.250%$10,000.00
9 MONTH $ 1,000 MIN0.250%$1,000.00
12 MONTH $ 1,000 MIN0.300%$1,000.00
18 MONTH $ 1,000 MIN0.400%$1,000.00
18 MONTH $10,000 MIN0.450%$10,000.00
24 MONTH $ 1,000 MIN0.500%$1,000.00
24 MONTH $10,000 MIN0.550%$10,000.00
30 MONTH $ 1,000 MIN0.550%$1,000.00
36 MONTH $ 1,000 MIN0.800%$1,000.00
30 MONTH $10,000 MIN0.600%$10,000.00
36 MONTH $10,000 MIN0.850%$10,000.00
48 MONTH $ 1,000 MIN1.010%$1,000.00
48 MONTH $10,000 MIN1.060%$10,000.00
60 MONTH $ 1,000 MIN1.250%$1,000.00
60 MONTH $10,000 MIN1.300%$10,000.00

**APY=Annual Percentage Yield

Loan Rates - Effective Thursday, July 27, 2017
Loan TypeAPR
as low as*
Terms/Information
New Vehicle-2017 and 20162.350%A brand new vehicle can be more affordable than you think!
2016 and 2015 Used Auto Rate2.600%IECU is here to help, no matter your financial situation!
2014 Used Auto3.100%IECU will always beat the rates of our competitors!
2013-2012 Used Auto3.350%Loans can even be processed directly at preferred dealers!
2011-2010 Used Auto3.600%Not sure what you can afford? IECU Loan Officers can help!
2009 & Older Used Auto4.840%A perfect starter vehicle! Stop by today to learn more.
Personal / Signature7.600%Perfect for bill consolidation or that much needed vacation!
Line of Credit7.500%Access from home for easy and fast transfers to checking!
IECU Visa Credit Card11.900%Save money immediately with a balance transfer to IECU!
IECU Visa Gold Card10.900%Easily apply online for the only card you'll ever need!

*APR=Annual Percentage Rate
NEW! Apply Online Now! You don’t even have to be a member yet.

  • No closing cost for Home Equity loans of $10,000.00 or more!
  • *72 month financing applies to vehicles $20,000 or more
  • * 84 month financing applies to vehicles $30,000 or more
  • * Financing applies to RV’s, boats and camping trailers of $30,000 or more

Note:

  • Loan rates are subject to change.
  • Ask about our Beat the Rate program! If you find a loan rate better than ours, we may be able to beat it.
  • Final rates must fall within CU guidelines.

In some cases, we can not always match the “special rates” offered by other institutions. The reasoning behind this is that we give equal consideration to all of our members’ financial needs. We offer the most competitive rates on deposits and loans without sacrificing one for the other. For example, the only way we could offer above market rates on Share Certificates would be to charge a higher rate on loans. This would not coincide with what makes a Credit Union unique which is “People helping People.” You should find our rates to be very competitive while still taking into consideration all of our members’ financial needs.

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