Illinois Community Credit Union

Savings Rates
Loan Rates

Rates effective February 1, 2020

Savings, Checking, IRA
	Rate	APY**
Solutions Money Market Rates on Average Daily Balances above $2,500 start at 0.50% APY. View rate tiers here.	0.50%	0.50%
Prestige Checking Average Daily Balance above $2,500¹	0.05%	0.05%
Shares & Clubs	0.05%	0.05%
Kidz Klub Accounts Balances up to $2,500. Balances over $2,500 earn 0.05% APY	0.25%	0.25%
IRA	0.05%	0.05%

¹ A fee is assessed each month that the Average Daily Balance falls below $2,500. Please refer to the Fee Schedule for additional information.
** Dividends are declared and paid Quarterly.

Share Certificate Specials
Certificates	Rate	APY*
13 Month Special¹ (new money only*)	1.50%	1.50%
25 Month Special*	1.50%	1.51%
39 Month Special*	1.65%	1.66%
59 Month Special*	1.75%	1.76%

Share Certificate Rates
Certificates	Rate	APY**
3 Month	1.00%	1.00%
5 & 6 Month	0.50%	0.50%
12 Month	0.75%	0.75%
18 Month	1.00%	1.00%
24 Month	1.75%	1.76%
30 Month	1.50%	1.50%
36 Month	1.80%	1.81%
48 Month	1.50%	1.51%
60 Month	1.50%	1.51%
IRA Certificates	Rate	APY**
12 Month	0.75%	0.75%
18 Month	1.00%	1.00%
24 Month	1.15%	1.16%
30 Month	2.00%	2.02%
36 Month	1.35%	1.36%
48 Month	1.50%	1.51%
60 Month	1.50%	1.51%

Regarding the Special Certificate Rates: *The Annual Percentage Yield (APY) is the Credit Union's rate as of September 1, 2019. 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.
**The Annual Percentage Yield (APY) is the Credit Union's current rate as of September 1, 2019. 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.
*** New money is defined as money currently on deposit at another financial institution.
¹ 13-Month Share and IRA Certificate requires a $5,000 minimum deposit to open.

Rates effective January 14, 2020

Auto Rates
Term Options Up to 84 Months	As Low As
Auto Loans	2.49% APR*
Motorcycle Loans	3.99% APR*
Classic Car Loans	4.24% APR*

RV Rates
Term Options Up to 120 Months	As Low As
Recreational Vehicle Loans	4.39% 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	5.50% 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 Card Rates
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*

Payday Alternative Rates
Contact ICCU for Term Options	As Low As
Payday Alternative Loan	24.99% APR* with direct deposit
*For members with direct deposit only. Some restrictions may apply and term options vary. Must be an ICCU member.

Other Loan Rates
Term Options Up to 60 Months	As Low As
Personal Loans	5.49% APR*
Share and Certificate Secured Loans	3% over the Share and Certificate Rate

*Rate may vary based on individual creditworthiness. Subject to credit approval.
APR=Annual Percentage Rate. 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.