Rates

The following rates are intended as a quick reference guide only. Rates are subject to change without notice. PleaseĀ 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 Friday, September 22, 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 Friday, September 22, 2017
Loan TypeAPR
as low as*
Terms/Information
New Vehicle-2018 and 20172.500%A brand new vehicle can be more affordable than you think!
2017 and 2016 Used Auto Rate2.750%IECU is here to help, no matter your financial situation!
2015 Used Auto3.250%IECU will always beat the rates of our competitors!
2014-2013 Used Auto3.500%Loans can even be processed directly at preferred dealers!
2012-2011 Used Auto3.750%Not sure what you can afford? IECU Loan Officers can help!
2010 & Older Used Auto5.000%A perfect starter vehicle! Stop by today to learn more.
Personal / Signature9.000%Perfect for bill consolidation or that much needed vacation!
Line of Credit9.000%Access from home for easy and fast transfers to checking!
VISA CLASSIC14.900%ENJOY OUR LOW RATE VISA CLASSIC TODAY!!!
VISA GOLD12.900%ENJOY OUR LOW RATE VISA GOLD TODAY!!!

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

  • *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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