IVCU - Rates

Our Member Friendly Loan Ratesare based upon credit scores obtained from the credit bureau. The loan rates described are based on the best scores.

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LOAN RATES

Loan Rates
	24 Months	36 Months	48 Months	60 Months	66 Months	72 Months
New 12 - 13 Vehicles	2.489%	2.871%	3.109%	3.381%	3.819%	3.819%
Used 12 - 08 Vehicles	2.87%	2.971%	3.209%	3.481%	3.919%	3.919%
Used 2007 -	3.589%	3.971%	4.209%	4.481%
All Other Vehicles	4.589%	4.971%	5.209%
Motorcycles	add .890% Live to Ride - Ride to IVCU! We like bikes.
Boats/Rvs/Other	add 1.387% Watercraft for sportsmen and pleasure cruisers!
Used Motorcycles 2011 or older recreational vehicles	7.50% to 8.25%	7.50% to 8.25%	7.50% to 8.25%
If financing more than wholesale (trade-in) value of a used vehicle, .25% is added to the respective rate listed above. **Above rates are promotional and subject to change at any time. Rates Quotes as Annual Percentage Rate (APR)
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Share Dividend Rates (Penalty may apply for early withdrawal.)
Type of Share Account	APY Annual Percentage Yield
Share Savings (under $1000)	.01%
Share Savings (over $1000)	.11%
Share Draft Checking (under $500)	.00%
Share Draft Checking (over $500)	.00%
Money Market	0.147% to 0.30% Tier Structure
Share Term Certificate ($500 minimum)	APY/Annual Percentage Yield
3 Month	0.00%
6 Month	0.20%
12 Month	0.29%
18 Month	0.32%
24 Month	0.42%
30 Month	0.61%
36 Month	0.67%
IRA'S	APY/Annual Percentage Yield
12 Month Traditional, Roth, Educational	0.20%
18 Month Traditional, Roth, Educational	0.32%
24 Month Traditional, Roth, Educational	0.42%
30 Month Traditional, Roth, Educational	0.61%
36 Month Traditional, Roth, Educational	0.67%
Variable Traditional, Roth, Educational	0.23%
Club Savings	APY/Annual Percentage Yield
Christmas Club	0.01%
Vacation Club	0.01%
Property Tax Savers Club	0.01%
Pay Day Club	0.01%
Rates may change at any time
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