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Prime Rate Home Equity Line-of-Credit Program - Apply Now
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| Minimum Loan Amount |
$5,000 |
| Maximum Loan Amount |
$100,000
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| Overall Limitation |
80% of appraised value, less balance of 1st mortgage |
| Draw Period |
5 Years |
| Rate |
Variable, based on Prime + margin |
| Application Fees (Indiana Residents Only) |
A $150.00 refundable application fee is required. The fee is returned after the loan closing, if a full appraisal is not obtained. |
| Monthly Payment |
The monthly payment will be calculated at 1% of loan balance. |
| Current Rate (80% LTV and less) as low as |
3.25% APR*
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| *Annual percentage rate. Rates may vary. The index is based on the Prime Rate as published in the Wall Street Journal on the last Tuesday of the month plus margin. The maximum rate is 6% over Wall Street Prime. IMCU rates change the first of the following month. For further information on all applicable Federal and State consumer credit disclosures, consult the Home Equity Program Brochure. Limited lending area. Credit approval required. These programs apply to owner occupied, single-family, detached dwellings only. |
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Closed-End Fixed Home Equity Loan Program- Apply Now
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Minimum Loan Amount
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$5,000
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| Maximum Loan Amount |
$100,000 |
| Overall Limitation |
80% of appraised value, less balance of 1st mortgage |
| Available Term |
5 Years, 10 Years, 15 Years |
| Current Rate (80% LTV and less), 5 year term, as low as 4.5% APR* |
| Application Fees |
A $150.00 refundable application fee is required. The fee is returned after the loan closing, if a full appraisal is not obtained. |
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*Offer is subject to credit approval and change without notice. Minimum 681 FICO score. Rate effective as of 11/20/2012 and subject to change. Certain restrictions and conditions apply. Owner-occupied properties only. Stated rate requires an 80% or less loan-to-value. $150 application fee is refunded at closing. A $5,000 loan with a 5-year term at 4.5% APR has payments of $93.22. Longer terms and rates available. Property insurance required. Consult your tax advisor regarding deductibility. This credit union is federally insured by the National Credit Union Administration. Other rates and terms available. Property insurance required. Consult your tax advisor regarding deductibility.
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| Credit Card Rates |
| Loan Type |
Current APR* |
Maximum Term |
| MasterCard® |
12.96% APR + $10 Annual Fee |
N/A |
| Visa Classic® |
13.96% APR No Annual Fee |
N/A |
| Visa Gold® |
10.8% APR No Annual Fee |
N/A |
| Visa Platinum |
9.9% APR No Annual Fee |
N/A |
| Credit Card Disclosure |
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Auto Loan Rates - Apply Now
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| Loan Type |
Current Fixed APR* |
Maximum Term |
| New Cars, Trucks & Vans 2010-2013 models |
As Low As 1.9% APR** |
60 Months |
| New Cars, Trucks & Vans 2011-2013 models |
As Low As 2.9% APR** |
72 Months |
| Used Cars, Trucks & Vans 2007-2009 models |
As Low As 4.9% APR** |
60 Months |
| Used Cars, Trucks & Vans 2004-2006 |
As Low As 5.9% APR** |
36 Months |
| Motor Homes and Travel Trailers - New |
As low as 9.00% |
Term Varies |
| Motor Homes and Travel Trailers - Used |
As low as 9.50% |
Term Varies |
| Pick-Up Campers - New |
As low as 11.50% |
Term Varies |
| Boats - New |
As low as 9.00% |
Term Varies |
| Boats - Used |
As low as 9.00% |
Term Varies |
| Motorcycle - New |
As low as 12.75% |
Term Varies |
| Unsecured Loans |
As low as 12.75% |
Term Varies |
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| Rates current as of 5/1/2013 Note: All terms above subject to change without notice. *APR is Annual Percentage Rate. **Minimum credit score of 680 required. |
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