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Loan Payment Calculator

Run the numbers and find out how your payments will fit your budget with our handy Financial Calculators.

Loan Rates

(Last Modified: December 2023)

Type of LoanAnnual 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 Loansas 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.
**Other conditions may apply.***Loan special rates exclude the refinancing of IH Credit Union loans. New money Only.

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

Credit/Debit Card Fraud Alert FAQs

American Share Insurance

ACCOUNTS INSURED UP TO $500,000

American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account.

MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

ESI Logo - Excess Share Insurance