Loans

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:

Credit Problems?

We’re happy to help. Click here to learn about our new “Credit Forgiveness” program.

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.

Mortgages

Buying your dream home? Refinancing your current home to take advantage of lower rates? Either way, you’ll love our low mortgage rates and our wide range of home loan options. Contact us to get started >

 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 >

Loan Rates

(Last Modified: July 7, 2016)
Type of LoanAnnual Percentage Rate (APR)* Maximum Term**
New & Used Vehicles
(up to 7 model years)
Effective July 7, 2016
as low as 2.79%
as low as 3.29%
as low as 4.09%
up to 63 mo.
up to 75 mo.
up to 84 mo.

Used Vehicles
(>than 7 model years)
Effective July 7, 2016
as low as 3.79%
as low as 4.29%

up to 63 mo.
up to 75 mo.
Unsecured Loans
Effective July 7, 2016
as low as 8.95%
36 months
Share Secured Loans 3.00% 36 months
Share Certificate Loans Certificate rate
plus 2.00% APR
Certificate
term

*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. Member shall receive a $100.00 cash bonus for pre-approved loans when the funds are disbursed.

Loan Payment Examples

(Last Modified: July 7, 2016)
Type of Loan Example Annual Percentage Rate (APR)* Monthly Payment
New Vehicle Loan:
$30,000 for 36 months
$30,000 for 48 months
$30,000 for 63 months
$30,000 for 75 months
$30,000 for 84 months
2.79%
2.79%
2.79%
3.29%
4.09%%
$869.69
$661.28
$512.47
$443.09
$411.32
Used Vehicle Loan:
(>7 model years)
$20,000 for 36 months
$20,000 for 48 months
$20,000 for 63 months
$20,000 for 75 months
3.79%
3.79%
3.79%
4.29%
$588.60
$449.70
$350.60
$304.49
Unsecured Loan:
$2,000 for 36 months
$3,000 for 36 months
8.95%
8.95%
$63.56
$95.33
Share Secured Loan:
$1,000 for 36 months
3.00% $29.08

*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.