Loans
Do you need "stuff"? We've got money, and our loan rates are among the lowest you'll find.
From signature loans to that loan for your dream house or new car, IH Credit Union will make it easy for you to get the "stuff" you need when you need it!
It's easy to get started!
There are lots of ways to apply for a loan at IH Credit Union:
- Apply online
- Call 1-800-576-IHCU
- Visit any IH Credit Union location
Credit Problems?
We're happy to help. Click here to learn about our new "Credit Forgiveness" program.
Depreciation Protection
Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of your loan. You can now purchase Depreciation Protection at IH Credit Union or when financing a loan with IH Credit Union at a participating dealership. Click here for details!
Loan Payment Calculator
Run the numbers and find out how your payments will fit your budget with our handy Financial Calculators.
Car Loans
New, used, or even refinancing from another lender, we've got you covered with super-low car loan rates. That means lower payments and big savings!
Signature Loans
Are you consolidating bills? Or maybe you need to finance something that falls just a little outside the usual, like a computer, a wedding, or some unexpected repairs. A Signature Loan (some people call it a Personal Loan) is the smart way to handle those "other" expenses.
Mortgage Loans
Please contact our mortgage department with questions!
Matt ext. 306
For current mortgage rates, contact Kate or Michelle.
Kate ext. 135
Michelle ext. 134
Fixer- Upper Home Loans
The "Fixer- Upper" home loan is a mortgage that can be used to purchase and then repair & improve a home that needs a little TLC. Click here for details.
Student Loans
Now there's a better way to pay for college! Our student loans are a great way to fill the funding gaps that Federal aid can leave behind. Learn More >
Business Loans
We are proud to offer business lending! Learn more about our business lending solutions.
Loan Rates
(Last Modified: December 2023)
| Type of Loan | Annual Percentage Rate (APR)* | Maximum Term** |
|---|---|---|
| New & Used Vehicles (Models 2021 & Newer) | as low as 6.99% as low as 7.69% as low as 8.39% | 63 mo. 75 mo. 84 mo. |
| Used Vehicles (Models 2020 & Older) | as low as 7.99% as low as 8.69% as low as 9.39% | 63 mo. 75 mo. 84 mo. |
| New & Used Secured RV Loans (Models 2021 & Newer) ( motorcycles, boats, camper, motor homes, etc) | as low as 8.99% as low as 9.69% as low as 10.39% | 63 mo. 75 mo. 84 mo. |
| Used Secured RV Loans (Models 2020 & Older) ( motorcycles, boats, camper, motor homes, etc) | as low as 9.99% as low as 10.69% as low as 11.39% | 63 mo. 75 mo. 84 mo. |
| Share Secured Loans | 3.00% | 36 months |
| Share Certificate Secured Loans | Certificate rate plus 2.00% APR | Certificate term |
| Unsecured Loans | as low as 10.49% | 36 months |
*Rates subject to change. The actual rate and payment amount will reflect a member's individual circumstance and credit score and may be higher than the rates above. |
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Credit/Debit Cards
All Credit Card issues:
1-866-611-4874
ATM/Debit Card Service Center
1-866-820-2870
Debit Card Activation:
1-866-985-2273
Financial Wellness
MoneyED: A Personal Finance Program
Trinity Debt Management
Quick Links
Reorder Checks
Credit Card Access
File Upload Form
Wiring Instructions
ACCOUNTS INSURED UP TO $500,000
THIS INSTITUTION IS NOT FEDERALLY INSURED.
