PERSONAL BUSINESS SERVICES WHY IAACU? Search Online Banking View all of our current loan rates. Loan Rates Rates last updated 12/01/2021. They are subject to change without notice. Auto Rates Print Auto Rates Term APR Payment (Per $1000) 2020 & 2021 60 months 1.99%* 17.52 72 months 2.24%* 14.86 2019 Standard 60 month rate 2.24%* 17.63 2018 Standard 60 month rate 2.49%* 17.74 2017 Standard 48 month rate 2.74%* 22.02 2016 and Older Standard 36 month rate 2.99%* 29.08 *Advertised rates are for well qualified borrowers. Actual rate will be based off credit qualifications. Rate includes discounts of .50% for Platinum Checking and .50% for automatic payment. Consumer Loan Rates Print Consumer Loan Rates Term APR Payment (Per $1000) Personal Loans 36 months 7.99%* $31.33 Boats, Motorcycles & Recreation Vehicles Up to 60 months 4.99%* 18.87 IAACU Share & Certificate Secured 60 months 3.99% $18.41 *Advertised rates are for well qualified borrowers. Actual rate will be based off credit qualifications. Rate includes discounts of .50% for Platinum Checking and .50% for automatic payment. Home Equity Rates Print Home Equity Rates Term Rate Payment (Per $1000) APR Home Equity Line of Credit - Variable Rate 20 year 80% loan-to-value** Prime - .25% 3.00%** 20 year 90% loan-to-value** Prime + 1.00% 4.25%** Fixed rate portion of Line of Credit 80% 10 year 6.24% $11.22 6.24% Fixed rate portion of Line of Credit 90% 10 year 8.24% $12.26 8.24% Fixed Rate 2nd Mortgage 5 year 80% loan-to-value $18.98 5.24% 5 year 90% loan-to-value $19.91 7.24% 10 year 80% loan-to-value $11.22 6.24% 10 year 90% loan-to-value $12.26 8.24% **80% and 90% Home Equity Line rates are variable rate based on prime that change monthly. 80% lines are Prime -.25%(Currently 3.00%). 90% lines are Prime + 1.00%(Currently 4.25%). Mortgage Rates Print Mortgage Rates Term Rate Payment (Per $1000) APR First Mortgage - Fixed Rate 5 Year 2.25%* $17.75 3.212% 10 Year 2.375%* $9.37 2.514% 15 Year 2.50%* $6.67 2.697% 20 Year 3.00%* $5.55 3.074% 30 Year 3.25%* $4.35 3.303% First Mortgage - Adjustable Rate 5 Year ARM (5-1) 3.50%* $4.49 4.612% * Rates are based on borrowing $150,000 on a primary residence in Illinois. * The APR and monthly payment per $1,000 calculations are based upon 80% loan-to-value and do not include Private Mortgage Insurance (PMI). PMI is required for loans over 80% loan-to-value. 1st Mortgages are available up to 95% loan-to-value, but please call the credit union for the current rates. * Rates above include a 45 day lock from the date of application. * Mortgages are available in all 50 states, but the rates may vary slightly. VISA Rates Print VISA Rates Platinum Visa Rewards Visa IFB Country Visa APR Variable rates of 6.74% to 10.74%*** Variable rates of 13.74% to 15.74%*** Variable rates of 6.74% to 10.74%*** Variable rates of 6.74% to 10.74%*** Variable Rate 3.49% + Prime or 7.49% + Prime*** 10.49% + Prime or 12.49% + Prime*** 3.49% + Prime or 7.49% + Prime*** 3.49% + Prime or 7.49% + Prime*** Balance Transfer Rate Same as Purchase Same as Purchase Same as Purchase Same as Purchase Cash Advance Rate 10.49% + Prime Currently 13.74% 12.49% + Prime Currently 15.74% 10.49% + Prime Currently 13.74% 10.49% + Prime Currently 13.74% Balance Calculation Method Avg Daily Balance Avg Daily Balance Avg Daily Balance Avg Daily Balance Cash Advance Fee 2% of the advance amount. ($1min,$5max) 3% of the advance amount. ($5 min, $10 max) 2% of the advance amount. ($1 min, $5 max) 2% of the advance amount. ($1 min, $5 max) Late Payment Fee Up to $30 Up to $30 Up to $30 Up to $30 Returned Payment Fee Up to $25 Up to $25 Up to $25 Up to $25 All IAACU VISA cards come with no annual fee, no minimum finance charge and a 25-day grace period for all purchases. *Other Misc Fees: Replacement Fee $5, Documentation Fee $2, Account Research Fee: $25 per hour. International Assessment Transaction Fee: 1% of Purchase Amount. ***Rates and terms will be determined by the applicant's credit rating. Rates last updated 05/01/2020. They are subject to change without notice. Contact Phone: 800.676.2541 Fax: 309.557.2419 Send Us a Message Address 808 IAA Drive PO Box 2901 Bloomington, IL 61702-2901 Social Media Routing # 271176116 Privacy Policy Web Accessibility Site Map Frequently Asked Questions Careers Text Size Selector © 2021 IAACU & WWW.IAACU.ORG Website Designed by LKCS