Prime Rate Home Equity Line-of-Credit Program

Minimum Loan Amount $5,000
Maximum Loan Amount

$100,000

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* 

*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. 

Closed-End Fixed Home Equity Loan Program

Minimum Loan Amount

$5,000

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.

 

*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.

  

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 
 

Auto Loan Rates

Loan Type Current Fixed APR* Maximum Term
New Cars, Trucks & Vans 2011-2014 models As Low As 1.9% APR**  60 Months
New Cars, Trucks & Vans 2011-2014 models As Low As 2.9% APR** 72 Months
Used Cars, Trucks & Vans 2008-2010 models As Low As 4.9% APR** 60 Months
Used Cars, Trucks & Vans 2005-2007 As Low As 5.9% APR** 36 Months
Used Cars, Trucks & Vans 2002-2004 As Low As 7.9% APR** 36 Months
Motor Homes and Travel Trailers - New As low as 6.9% Term Varies
Motor Homes and Travel Trailers - Used As low as 8.9%  Term Varies
Pick-Up Campers - New As low as 11.50% Term Varies
Boats - New As low as 6.9%  Term Varies
Boats - Used As low as 8.9%  Term Varies
Motorcycle - New As low as 7.9% Term Varies
Unsecured Loans As low as 12.75% Term Varies
 
Rates current as of 4/1/2014 Note: All terms above subject to change without notice. *APR is Annual  Percentage Rate. **Minimum credit score of 680 required.

 

 
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