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Lending Rates
Rates reflect the 0.25% Full Relationship discount with checking and direct deposit.
Auto Loans:SUVS, TRUCK, MINIVAN, & CAR |
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|---|---|---|
| LOAN TYPE | Term | APR |
|
Vehicle Loans- 2025 or Newer Models
|
Up to 36 Months | 3.74%1 |
| 48 Months | 4.24%2 | |
| 60 Months | 4.24%3 | |
| 72 Months | 4.49%4 | |
| 84 Months | 5.74%5 |
Competitive rates available with flexible terms from 36 to 84 months!
Call or visit your local IMCU branch today.
Adventure loans:boats, rvs, jet skis, atvs, & utvs |
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|---|---|---|---|
| LOAN TYPE | Term | APR | Other Comments |
| Jet Skis, ATVs, & UTVs - 2025 or Newer Models | Up to 36 Months |
8.24%6
|
|
| Boats, Motor Homes, Travel Trailers - 2025 or Newer Models | Up to 60 Months |
6.49%7
|
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| Boats, Motor Homes, Travel Trailers - 2025 or Newer (Balloon Option) | Up to 60 Months | 7.49%8 |
60 Month Term has a minimum loan amount of $35,000 |
Competitive rates available with flexible terms from 36 to 120 months!
Call or visit your local IMCU branch today.
motorcycle Loans: |
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|---|---|---|
| LOAN TYPE | Term | APR |
| Motorcycle Loans- 2025 or Newer | Up to 36 Months | 7.74%9 |
Competitive rates available with flexible terms from 36 to 72 months!
Call or visit your local IMCU branch today.
Apply Now
Credit Cards: |
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|---|---|---|
| CARD TYPE | Intro Rate | Prime Rate (7% Effective Jan 2, 2025) |
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Visa® Signature
(Consumer Card)
|
3.9% APR10 | Prime+7.49% - Prime+9.49%APR |
|
Visa® Platinum
(Consumer Card)
|
3.9% APR10 | Prime+4.49% - Prime+13.49%APR |
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Visa® Platinum Rewards
(Consumer Card)
|
3.9% APR10 |
Prime+5.99% - Prime+14.99%APR |
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Visa® Platinum Jumpstart
(Youth Card)
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3.9% APR10 |
Prime+4.49% - Prime+13.49%APR |
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Visa® Platinum Rewards Jumpstart
(Youth Card)
|
3.9% APR10 |
Prime+5.99% - Prime+14.99%APR |
|
Business Visa®
|
N/A |
Prime+5.00% APR |
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Business Rewards Visa®
|
N/A |
Prime+7.00% APR |
Personal Loans: |
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|---|---|---|
| LOAN TYPE | Term | Loan Amount |
| Personal Loans | Up to 60 Months |
Higher loan amounts available
(based on creditworthiness)
|
Quick Cash Loans: |
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|---|---|---|
| LOAN TYPE | Term | Loan Amount |
| Quick Cash | 6-24 Months | Up to $2,00011 |
Apply now for your quick cash loan and explore flexible terms from 6 to 24 months.
Call or visit your local IMCU branch today.
Call or visit your local IMCU branch today.
unsecured loan & line of credit: |
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|---|---|---|
| LOAN TYPE | Term | APR |
| Unsecured Loan & Line of Credit | 12-60 Months | 12.99%-15.99%12 |
Effective January 1, 2026. Rates are subject to change and may vary based on credit score, vehicle year, loan term, and other underwriting factors.
APR= Annual Percentage Rate.
All loans are subject to credit approval and membership eligibility requirements. Current IMCU loans are not eligible.
Auto Loan Examples
Examples are based on a $10,000 loan amount, model years 2025 or newer, with checking and direct deposit.
13.74% APR: 36 monthly payments of $294.08; total finance charge of $587.00.
24.24% APR: 48 monthly payments of $226.87; total finance charge of $890.00.
34.24% APR: 60 monthly payments of $185.25; total finance charge of $1,115.00.
44.49% APR: 72 monthly payments of $158.69; total finance charge of $1,426.00.
55.74% APR: 84 monthly payments of $144.84; total finance charge of $2,167.00.
Power Sports Example
Example is based on a $10,000 loan, model years 2025 or newer, with checking and direct deposit.
Example is based on a $10,000 loan, model years 2025 or newer, with checking and direct deposit.
68.24% APR: 36 monthly payments of $314.47; total finance charge of $1,321.00.
Boat and RV Loan Example
Example is based on a $10,000 loan, model years 2025 or newer, with checking and direct deposit.
76.49% APR: 60 monthly payments of $195.61; total finance charge of $1,737.00.
Boat and RV Balloon Loan Example
Example is based on a $35,000 loan, model years 2025 or newer, with checking and direct deposit.
87.49% APR: 60 monthly payments of $701.16; total finance charge of $7,070.00.
Motorcycle Loan Example
Example is based on a $10,000 loan, model years 2025 or newer, with checking and direct deposit.
97.74% APR: 36 payments of $312.17; total finance charge of $1,238.00.
10Annual Percentage Rate (APR) for Purchases 3.90% APR. Introductory APR for 12 months from account opening. After that, your APR will be at 14.74%-24.24% 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, APR will be 14.74%-24.24% APR based on creditworthiness. This APR will vary with the market based on prime rate. Balance transfer fee of 3% with $5 minimum will apply. No maximum fee for balance transfers. APR for cash advances- 14.74%-24.24%, 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. 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
11Membership checking account and net direct deposit required. Available in Digital Banking. Must be an existing member for 90 days or more. Must be at least 18 years of age. Eligibility for Primary Account holder only. Must be current on existing loans. One Quick Cash loan at a time. $1,000 limit for first time qualifying member loans. $2,000 loan limit after first quick cash loan is paid in full.
1212-60 month term. Membership savings account required. Current IMCU loans exempt. Effective 01.01.2026. Rates subject to change. Rates may be higher based on credit score.