Rates

Rates effective December 1, 2017

Savings, Checking, IRA
  Rate APY**
Prestige Checking
Average Daily Balance above $2,500¹
0.05% 0.05%
Kasasa Cash Checking*
Balances up to $7,500. Balances over $7,500 earn 0.20% APY**
2.47% 2.50%
Kasasa Saver*
Balances up to $7,500. Balances over $7,500 earn 0.20% APY**
0.40% 0.40%
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.
* When Kasasa qualifications are not met, all balances earn 0.05% APY. 
** Dividends are declared and paid Quarterly. The next dividend declaration date is December 31, 2017.

Share Certificate Specials
Certificates Rate APY**
11 Month Special* 1.00% 1.00%
15 Month Special¹ (new money only***) 1.75% 1.76%
25 Month Special* 1.80% 1.81%
39 Month Special* 2.00% 2.02%
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 0.45% 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%

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.
**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.
*** New money is defined as money currently on deposit at another financial institution.
¹ 15-Month Share and IRA Certificate requires a $5,000 minimum deposit to open.

Rates effective December 1, 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

*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.

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