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We can help you finance anything from a new car to a new home.

First, estimate your monthly payments and total amount. Then apply online, over the phone or at your branch. We'll send your results super-fast—so you can get on with this.

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Have a loan with iQ and need to make a payment? Make a secure payment online through our Online Payment Center. 

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Loans

Auto Loan

AUTO LOAN RATES

Low rates and flexible payment terms for traditional auto loans. You can even apply for a loan right at the dealership - just ask for  financing through iQ Credit UnionAuto Mentors and Tonkin2U are available to assist you through the entire process of purchasing your vehicle. 

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Rates Effective as of 09/01/2019
Loan Type APR Payment Schedule Monthly Payment Per $1,000 Borrowed
2015 & Newer 3.84% – 16.34% up to 60 months $18.34 - $24.50
  4.14% – 16.99% up to 72 months  $15.71 - $22.10
  4.64% - 8.14% up to 84 months  $13.97 - $15.65
2011 – 2014 4.14% – 16.64% up to 60 months $18.48 - $24.66
  4.44% – 17.29% up to 72 months $15.85 - $22.41
  4.94% – 8.44% up to 84 months  $14.11 - $15.81
2010 and older 5.34% – 17.84% up to 66 months $17.31 - $23.89

APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.

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MOTORCYCLE, BOAT, OR RV LOAN

MOTORCYCLE, BOAT, OR RV LOAN

We can help you plan your escape by two wheels, no wheels, or RV. Get out with our help. 

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Rates Effective as of 09/01/2019.
Loan Type APR Payment Schedule Monthly Payment Per $1,000 Borrowed
2017 - 2019 4.89% – 17.34% up to 60 months $18.82 - $25.04
  5.94% – 18.14% up to 120 months $11.07 - $18.11
  6.44% – 18.64% up to 180 months $8.68 - $16.57
2016 & older 5.39% – 17.84% up to 60 months $19.05 - $25.31
  6.44% – 18.64% up to 120 months $11.32 - $18.43
  6.94% – 19.14% up to 180 months $8.95 - $16.93

APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.

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HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT

By tapping into your home equity, you can get a variable rate loan with the flexibility of a line of credit. We offer up to three different variable rate loans from your approved amount. 

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Rates Effective as of Apr 25, 2019.
Loan Type APR Fixed or Variable Index Margin Annual Fee
80% Smart Equity Line of Credit 5.25% – 6.50% Variable Prime Rate -.25% – 1.00% $35
85% Smart Equity Line of Credit 6.25% – 7.50% Variable Prime Rate .75% – 2.00% $35
 95% Smart Equity Line of Credit 7.25% – 7.75% Variable Prime Rate 1.75% – 2.25% $35

APR = Annual Percentage Rate. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current Wall Street Journal prime index rate is 5.50%. We add a margin to the index to determine the actual interest rate. The minimum APR is 5.25% The maximum APR is 15.00%. Rates for fixed term conversions taken against the line range from 7.80% APR to 10.65% APR. Loan Costs: Range between $155 and $1,500 to cover third party costs, and are paid by the borrower. Learn more about Home Equity.

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CREDIT CARD RATES

CREDIT CARD RATES

Credit Union Visa cards— Personal Platinum, and Business Platinum—offer convenience, low loan rates, and the security of EMV chip technology. 

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Rates Effective as of August 25, 2019.
Loan Type APR for Purchases APR for Cash Advances
Visa Professional Platinum 10.49% Variable 16.99% Fixed
Visa Platinum 9.24% - 19.24% 9.24% - 19.24%
Visa Platinum Rewards 11.24% - 20.24% 11.24% - 20.24%

APR = Annual Percentage Rate. The current Wall Street Journal prime index rate is 5.25%. We add a margin to the index to determine the actual interest rate.

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PERSONAL LOAN RATES

PERSONAL LOAN RATES

We offer three types of short-term loans: a personal access line of credit (PAL); a share secured loan, borrowed against your savings; and customized personal loans.

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Rates Effective as of Apr 25, 2019.
Loan Type APR Index / Margin
Personal Access Line of Credit 12.00% Variable* Prime Rate | 5%
Share/Certificate Secured Variable Share/Certificate Rate | 3%
Loan Type APR Payment Schedule Payment Per $1000 Borrowed
Personal Loans 10.49% – 20.49% up to 48 months $25.60 - $30.69
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Rates effective as of 08/01/2019 and subject to change. 

 

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