|
| Loan Type |
|
ANNUAL
PERCENTAGE
RATE (APR) |
Payment
Schedule |
Rate
Fixed (F)
Variable (V) |
| 2007 & Newer |
|
3.99% - 16.95% |
up
to 60 months |
F |
| |
|
4.25% - 16.95% |
up
to 72 months |
F |
| |
|
4.75% - 5.50% |
up
to 84 months |
F |
| 2006 & Older |
|
6.29% - 16.99% |
up to 48 months |
F |
| |
|
6.69% - 17.99% |
up
to 60 months |
F |
| NEW & USED AUTOS, RECREATIONAL VEHICLES, APR = Annual Percentage Rate. Offer valid on new or used vehicle purchases and auto loans from another financial institution. All rates and terms are subject to credit approval and must close before October 31, 2010. The following conditions apply: The interest rates as stated above will be discounted if you have certain additional services with the credit union. Your rate will be .25% APR lower for each of the following services provided you meet the required conditions of that service. All conditions must be met prior to loan funding. 1) Automatic Loan Payment from iQ Credit Union Checking Account: The loan payment for the vehicle loan must be enrolled for an automated loan payment from your iQ Credit Union Checking Account. 2) eDelivery: You must be enrolled in eDelivery to receive periodic statements and notices regarding your Account. 3) Direct Deposit: Your wages must be directly deposited from your employer or retirement pay to your iQ Credit Union Checking Account. Automated Clearing House (ACH) transfers from other financial institutions do not qualify. 4) Active iQ Credit Union VISA Credit Account: In order to qualify, you must have had purchase or balance transfer transactions on your iQ Credit Union VISA Credit Account in the last 31 days. No refinances of existing iQ Credit Union loans allowed. Discounts are calculated at time of loan funding. Services added at a later date will not result in additional discounts. The maximum possible interest rate discount is 1.00% APR. |
| |
|
|
|
|
Recreation
Loans
|
| All Recreational Vehicles |
|
5.99%
- 16.64% |
up
to 60 months |
F |
|
|
6.50%
- 16.64% |
61
to 120 months |
F |
|
|
6.99%
- 16.64% |
121
to 180 months |
F |
| APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history. |
| |
|
|
|
|
|
| Loan Type |
|
ANNUAL
PERCENTAGE
RATE (APR) |
Index |
Margin |
Rate
Fixed (F)
Variable (V) |
| Personal Access Line of Credit
(PAL)* |
|
12.00% |
Prime Rate |
5% |
V |
| Share/Certificate Secured |
|
|
Share Certificate |
3% |
V |
| * Minimum Interest Rate = 12%. Maximum Interest Rate = 18% |
| |
|
|
|
|
| Loan Type |
|
ANNUAL
PERCENTAGE
RATE (APR) |
Payment
Schedule |
Rate
Fixed (F)
Variable (V) |
Personal
Loans |
|
10.25% - 17.74% |
up to 48 months |
F |
| |
|
|
|
|
| |
|
|
|
|
|
| Loan Type |
ANNUAL
PERCENTAGE
RATE (APR) for Purchases |
ANNUAL
PERCENTAGE
RATE (APR)
for
Cash Advances |
Index |
Margin |
Rate
Fixed (F)
Variable (V) |
VISA Professional Platinum |
8.24% |
16.99% |
Prime
Rate |
4.99% |
V |
VISA Platinum |
8.24% |
16.99% |
Prime
Rate |
4.99% |
V |
| VISA Gold |
12.95% |
16.99% |
|
|
F |
| VISA Classic / Youth Classic VISA |
14.00% |
16.99% |
|
|
F |
| |
|
|
|
|
