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Rates

Loan Rates

Auto Loans

New Auto and Truck Loans
Rates Effective:
Rates as low asTermAPR*
1.84% APR*24 – 72 months1.84% -13.34%
 73 – 84 months**3.24% – 13.84%
Used Auto and Truck Loans
Rates Effective:
Rates as low as TermAPR*
Model Years: 2015 – 2017 as low as 1.84% APR*Up to 84 months1.84% – 14.34%
Model Years: 2014 & Older as low as 2.34% APR*Up to 72 months2.34% – 14.34%

Use one of our Auto Buying services to find your next New or Used Car
Not only will we find that perfect car for you, we’ll get you the best price for it! Plus, get a .50% discount on your Credit Union Auto Loan when you use one of our Auto Buying services.

Calculate how much your loan payments will be.


Motorcycle, Boat, Motorhome, and Camping Trailer Loans

Motorcycles
Rates Effective:
Rates as low asTermAPR*
3.49% APR*New, up to 72 mo3.49% – 11.74%
 Used, up to 72 mo3.74% – 11.99%
Boats
Rates Effective:
Rates as low asTermAPR*
3.49% APR*New, up to 240 mo3.49% – 13.49%
 Used, up to 240 mo3.74% – 13.74%
Motorhomes
Rates Effective:
Rates as low asTermAPR*
3.49% APR*New, up to 180 mo3.49% – 13.49%
 Used, up to 180 mo3.74% – 13.74%
Camping Trailers
Rates Effective:
Rates as low asTermAPR*
3.49% APR*New, up to 180 months3.49% – 13.49%
 Used, up to 180 months3.74% – 13.74%

Special Loans (Fixed Rate Stock, Share Secured, Certificate Secured, and Term Loans)

Fixed Rate Stock loans
Rates Effective:
Rates as low asTermAPR*
7.50% APR*Up to 120 months7.50% – 14.00%
Share Secured Loans
Rates Effective:
Rates as low asTermAPR*
3.25% APR*Up to 120 months3.25%
Certificate Secured Loans
Rates Effective:
Account TypeTermAPR*
 Up to 120 months 3.00%*** above Certificate Dividend Rate
Term Loans
Rates Effective:
Rates as low as TermAPR*
9.90% APR*Up to 60 months9.90% – 17.15%

Effective Date:

Apply for a loan today!

Refer to Visa Credit Card Rates and Fees for details on Visa® Credit Cards.

*APR=Annual Percentage Rate. "As low as" rate based on a 36-month term, qualifying credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Actual loan rate will be based upon the borrower’(s) creditworthiness. Rates subject to change without notice. All IBMSECU Loans, including Visa® Credit Cards, are subject to income and identification verification and credit approval. Contact your Credit Union for the most current rates, and for full details on the rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees. The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts.

**$20,000 minimum loan required for 84-month term.

***The present 12-month Certificate dividend rate is 0.55% which results in an APR of 3.55% as of January 1, 2017. Contact the Credit Union for the present Certificate rates to determine the current APR.

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