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Auto & Light Truck • Recreational Vehicle • Mortgage • Home Equity • Signature Loans
VISA Credit Card • Miscellaneous • Apply Online Now!
ICCU Loan & Mortgage Rates
Updated and effective as of August 30, 2010
All rates listed are expressed as an Annual Percentage Rate (APR) and subject to change without notice.
Where a rate range is indicated, the rate you receive will be based on your credit score.
Please contact an ICCU Loan Officer at 989-773-5927 with questions. (No question is too silly!)
We hope you will consider ICCU first for your next loan. Rate are competitive and terms are comfortable.
Apply Online • Loan Calculator
Automobiles, Light Trucks, Cars
2011, 2010, 2009 & 2008 Vehicles
100% financing to qualified applicants • Up to 75% financing on salvage titles • Rate based on credit score |
| Up to 36 months |
3.89% to 9. 99% APR |
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Up to 60 months |
3.89% - 9.99% |
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Up to 66 months * |
4.14% - 10.24% |
| Up to 72 months (over $23,000.00)* |
4.39% - 10.49% |
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* Brand new and program vehicles for qualified buyers |
| 2007, 2006, 2005 and 2004 Vehicles |
| Up to 60 months |
4.14% - 10.49% APR |
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Up to 66 months* |
4.39% - 10.74% |
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Up to 72 months* |
4.64% - 10.99% |
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* Subject to ICCU credit committee approval |
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All Other Secured Loans
Including older auto's, jet ski's, 3 & 4 wheelers and snowmobiles |
| Up to 60 months - 90% to qualified applicants |
6.89% to 13.39% |
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Over 60 months (with credit committee approval) |
7.39% to 13.89% |
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Monthly Payment Calculator • Lease vs. Buy Calculator
Apply Online Now!
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Recreational Vehicles (RV's)
New Campers, Travel Trailers, Boats & Motorhomes
90% financing to qualified applicants • Rate based on credit score • Extended
financing terms with ICCU Credit Committee approval |
| 36 months - Up to $7,000 |
6.14% - 14.69% |
| 60 months - $7,000 to $15,000 |
6.24% - 14.69% |
| 84 months - $15,000 and up |
6.34% - 14.69% |
| 120 months/7-year balloon - $15,000 and up |
6.24% - 14.69% |
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180 months/7-year balloon - $75,000 and up |
6.24% - 14.69% |
Street Motorcycles
2011, 2010 and 2009 Motorcycles
90% financing to qualified applicants • Rate based on credit score |
| 60 months up to $20,000 |
7.04% - 15.39% |
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72 months - over $20,000
(60+ months with Credit Committee approval) |
7.19% - 15.39%
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Mortgage Rates
Effective as of August 30, 2010 - Rates change daily; check back often or call 989-773-5927.
ICCU has some of the area's LOWEST mortgage closing costs. Save money at ICCU.
Rates subject to change without notice; are based on LTV ratios, credit scores and other factors.
FHA & VA Mortgages are available thru a correspondent lender - call for more information.
For ICCU's Mortgage site including on-line mortgage application, click here. |
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15-Year Fixed |
3.625% |
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20-Year Fixed |
4.250% |
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30-Year Fixed |
4.250% |
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** LOAN SPECIAL ** 5-Year Balloon - 30 year amortization |
As low as 3.500% |
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** LOAN SPECIAL ** 7-Year Balloon - 30 year amortization |
As low as 3.625% |
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USDA Rural Development - 30 Year Fixed |
4.375% |
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MSHDA Financing - 30 Year Fixed - Maximum 80% LTV (Loan to Value) |
5.125% |
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Refinance Breakeven Calculator • Mortgage Payoff Calculator
Apply Online Now! • Link to Mortgage Information Page
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Home Equity Loans
Fixed Rate • Rate subject to credit approval |
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5-Year Home Equity Loan |
6.75% |
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7-Year Home Equity Loan |
6.75% |
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10-Year Home Equity Loan |
6.75% |
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15-Year Home Equity Loan |
6.95% |
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Variable-Rate (HELOC) Line of Credit |
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PRIME + 0% - reviewed monthly |
5.00% |
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Home Equity Advantage VISA Gold |
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Variable-Rate, PRIME + 0% - reviewed quarterly (with a floor of 5%) |
5.00% |
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Request an Application Packet • Personal Debt Consolidation Calculator |
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Signature Loans
Rate based on credit score • Unsecured • Minimum amount $1,000 • Minimum
payment varies based on balance |
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12 to 60 month terms |
10.50% - 15.50% |
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Apply online now! |
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VISA Credit Cards
No Annual Fee • Competitive Rates • No hoops or hidding fees! |
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VISA Classic ($300 to $5,000) |
11.50% non-variable for purchases
11.50% non variable for
cash advances and balance transfers
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VISA Platinum ($5,000 to $20,000) |
8.90% non-variable for purchases
11.50% for cash advances and balance transfers |
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Home Equity Advantage VISA Gold
($5,000-$50,000) |
5.00% Variable Rate (Prime+0%) |
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No automatic increases except in cases of severe
delinquency (60 days past due) |
Minimum payment is 3% of the
outstanding balance or $10 |
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Request an Application • Platinum Disclosure • Classic Disclosure |
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Lifestyle, Miscellaneous & Savings Secured Loans |
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Easy Access Line of Credit
(Can be used for overdraft protection) |
11.50% |
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Savings Secured Loan |
Share/Money Market Secured Loan: Prime Rate (5.00% minimum)
CD Secured Loans: 2% above CD Rate (5.00% minimum) - 60 month max. term |
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Other Secured Loan |
7.25% to 13.75% (60 month Maximum) |
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Request an Easy Access Application • Apply Now (Savings Secured) | |
Home • Apply/Bank Online • Rates • Contact Us
Convenience Services • Loans • Savings • Youth • Other Products
Isabella Community Credit Union
Service Locations: 2400 S. Isabella Road
and 2100 E. Remus Road (West M-20)
Mount Pleasant, Michigan
48858
Mailing Address: P.O. Box 427, Mt. Pleasant MI 48804-0427
989.773.5927
Fax: 989.773.6469
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