Loan Disclosures
Auto Loan:
3.74% APR available for well qualified borrowers with full relationship including savings, checking and net direct deposit into IMCU account. APR = Annual Percentage Rate. Repayment in as many as 36 months. Membership savings account required. Down payment, if any, is determined at credit approval and may vary by applicant and collateral. Current IMCU loans exempt. Model years 2026 or Newer. Effective 07.01.2026 and rate subject to change. Rates may be higher based on credit score, vehicle year and loan term. If you borrowed $10,000 for 3 years, you would make 36 payments of $294.08, with a total finance charge of $587.00.
Adventure Loan:
6.99% APR available for well qualified borrowers with full relationship including savings, checking and net direct deposit into IMCU account. APR = Annual Percentage Rate. Repayment in as many as 60 months. Membership savings account required. Down payment, if any, is determined at credit approval and may vary by applicant and collateral. Current IMCU loans exempt. Model years 2026 or Newer. Effective 07.01.2026 and rate subject to change. Rates may be higher based on credit score, vehicle year and loan term. If you borrowed $10,000 for 5 years, you would make60 monthly payments of $197.96; total finance charge of $1,878.00.
HELOC:
Closing Costs: Effective with applications dated October 28, 2024. Appraisal (both exterior only and interior/exterior) fees incurred during the origination of the loan must be paid at closing. Appraisals are required on all loan amounts more than $125,000.
Intro Rate Annual Percentage Rate. This rate (effective January 1, 2026) is a special limited time offer and subject to change without notice. Introductory rate of 3.90% APR applies to new 30 Year home equity lines-of-credit opened on or after January 1, 2026 and does not apply to refinances of existing IMCU home equity lines. This rate is only available for owner occupied single family residences. Certain restrictions and conditions apply. $5,000 minimum loan amount. After the first 6 months, all balances convert to the variable rate APR based on an index plus a margin. The variable rate is based on the highest Prime Rate (the index) as published in the Wall Street Journal in effect on the last Tuesday of the calendar month. The APR for the Home Equity Line of Credit may increase or decrease, but will never fall below 2.75% and will never exceed a maximum rate of 21.00% or highest rate allowable by law. The margin is 0.00% to 2.50%, depending upon credit worthiness, term, credit score and combined loan-to-value (CLTV). As of 12/11/2025, the Prime Rate was 6.750%, so APRs are 6.750% (Prime Rate + 0.00% margin) to 9.25% (Prime Rate + 2.5% margin). Credit advances may be taken for 5 years (draw period) and renewed up to a total of 15 years. A repayment period for a minimum of the remaining 15 year term will require, at minimum a monthly payment of the finance charges (accrued interest) for the prior month. Depending on the terms of your loan, if you made the minimum payments due each month, your loan may have a balloon payment due at maturity of the full amount drawn. CLTV is based on the Indiana Members Credit Union approved valuation method. Payment example does not include taxes or insurance; actual payment may be greater. IMCU home equity lines may be eligible for interest only payment option. Consult your tax advisor regarding deductibility. Certain restrictions and conditions apply. Property owner must supply proof of insurance. NMLS # 402492.
Personal Loan:
15.99 - 18.99% APR = Annual Percentage Rate. 12-60 month term. Membership savings account required. Current IMCU loans exempt. Rates subject to change. Rates may be higher based on credit score. Effective 07.01.2026. All loans are subject to credit approval and membership eligibility requirements.
Credit Card:
Annual Percentage Rate (APR) for Purchases 3.90% APR. Introductory APR for 12 months from account opening. After that, the APR is Prime+4.49% - Prime+14.99% based on creditworthiness. This APR will vary with the market based on prime rate. APR for balance transfers- 3.90% introductory rate for a period of 12 billing cycles. After that, the APR is Prime+4.49% - Prime+14.99% based on creditworthiness. This APR will vary with the market based on prime rate. Balance transfer fee of 3% with $5 minimum will apply. APR for cash advances- Prime+4.49% - Prime+14.99%, when you open your account based on creditworthiness. Cash advance fee of 4% with a $5 minimum will apply. No maximum fee for cash advances and the cash advance APR may differ from the purchase APR. This APR will vary with the market based on prime rate. Maximum rate of 25.00% APR. A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date of which the entire new Balance is paid in full or until the date of payment if more than 25 days from the closing date. How to Avoid Paying Interest on Purchases- Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle, any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. Residents of Illinois may contact the Commissioner of Banks and Trust for Comparative Information on interest rates, charges, fees and grace periods. State of Illinois - CIP, P.O. Box 10181, Springfield, Illinois 62791; 800.634.5452 /10