Rates

Rates effective October 1, 2017

Savings, Checking, IRA
  Rate APY**
Prestige Checking
Average Daily Balance between $2,500 or more.
0.05% 0.05%
Kasasa Cash Checking*
Balances up to $7,500 and balances over $7,500 earn 0.20% APY**
2.47% 2.50%
Kasasa Saver*
Balances up to $7,500 and balances over $7,500 earn 0.20% APY**
0.40% 0.40%
Shares & Clubs 0.05% 0.05%
Kidz Klub Accounts** 0.25% 0.25%
IRA 0.05% 0.05%

* When Kasasa qualifications are not met, all balances earn 0.05% APY. The above Prestige Checking, Kasasa Checking, and Kasasa Saver rates will be paid January 31, 2017 and the next dividend declaration date is February 28, 2017. The above Share, Club and IRA rates were paid on December 31, 2016 and the next dividend declaration date is March 31, 2017. Illinois Community Credit Union membership is required.
** Dividends are declared and paid Quarterly. The next dividend declaration date is September 30, 2017.

Share Certificate Specials
Certificates Rate APY**
11 Month Special* 1.00% 1.00%
13 Month Special* (new money only***) 1.30% 1.31%
25 Month Special* 1.50% 1.51%
39 Month Special* 1.60% 1.61%
Share Certificate Rates
Certificates Rate APY**
3 Month 0.20% 0.20%
5 & 6 Month 0.30% 0.30%
12 Month 0.45% 0.45%
18 Month 0.60% 0.60%
24 Month 0.60% 0.60%
30 Month 0.65% 0.65%
36 Month 0.90% 0.90%
48 Month 1.35% 1.36%
60 Month 1.75% 1.76%
IRA Certificates Rate APY**
12 Month 0.30% 0.30%
18 Month 0.60% 0.60%
24 Month 0.60% 0.60%
30 Month 0.65% 0.65%
36 Month 0.90% 0.90%
48 Month 1.35% 1.36%
60 Month 1.75% 1.76%

*** New money is defined as money currently on deposit at another financial institution. **The Annual Percentage Yield (APY) is the Credit Union's current rate as of January 3, 2017. The rate may change at anytime without notice. All certificates require a $1,000 minimum deposit, $500 if the Primary Member is under 20 years old. Regarding the Special Certificate Rates: *The Annual Percentage Yield (APY) is the Credit Union's rate as of January 3, 2017. Minimum opening balance and minimum to obtain disclosed APY is $2,000. Not available to Public Funds and other Financial Institutions. Withdrawals may reduce earnings and are subject to an early withdrawal penalty. Fees may reduce earnings. Certificates automatically renew at maturity at the then current rate. Offer subject to change without notice. Illinois Community Credit Union membership is required.

Rates effective August 4, 2017

Auto Rates
Term Options Up to 84 Months As Low As
Auto Loans 2.24% APR*
Motorcycle Loans 3.49% APR*
Classic Car Loans 3.49% APR*
RV Rates
Term Options Up to 120 Months As Low As
Recreational Vehicle Loans 3.74% APR*
Home Equity Rates
Term Options Up to 240 Months As Low As  
Fixed Rate Home Equity Loans 5.00% APR* 80% loan to value
Home Equity Line of Credit 4.50% APR** 80% loan to value
**Annual Percentage Rate (APR). Not all borrowers will qualify for the lowest interest rate. Your APR may change quarterly on the first day of January, April, July and October. Your APR will not increase or decrease more than 2% at each adjustment based on a current index plus a margin. The index is the Wall Street Journal Prime Rate and the margin ranges from 0% - 4%. However, your rate will not go below 4.5% during the term of the plan.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Rates and terms are subject to change without notice.
VISA Credit Cards
Fixed Rate and Rewards Earning As Low As
VISA Platinum (No Annual Fee) 8.90% APR*
VISA Platinum Plus (Reward Options, No Annual Fee) 9.90% APR*
Other Loans
Term Options Up to 60 Months As Low As
Signature Loans 6.99% APR*
Share and Certificate Secured Loans 3% over the Share and Certificate Rate

*The Annual Percentage Rate (APR) is the Credit Union's current rate as of April 1, 2017. Your rate may vary. Qualifications are based on an assessment of individual credit worthiness and our underwriting standards. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Call us at (815) 895-4541 for current rate, terms, and conditions. Illinois Community Credit Union Membership is required.

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