Skip to main content
  • MyICCU

Loan Rates

Rates effective July 1, 2024

Auto Rates — Term Options Up to 84 Months
Loan Type Rates As Low As

Make a down-payment and get a rate discount!

  • Subtract 0.25% with 10% down
  • Subtract 0.50% with 20% down
Auto Loans 5.39% APR*
Motorcycle Loans 6.14% APR*
Classic Car Loans 7.89% APR*
RV Rates — Term Options Up to 120 Months
Loan Type Rates As Low As
Recreational Vehicle Loans 7.14% APR*
Home Equity Rates — Term Options Up to 240 Months
Loan Type As Low As LTV
Fixed Rate Home Equity Loans 6.75% APR* 80% loan to value
Home Equity Line of Credit 8.50% 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 Rates As Low As
Visa Preferred Plus (No Annual Fee) 9.90% APR*
Visa Essentials® (No Annual Fee) 16.90% APR*
Payday Alternative Rates
Contact ICCU for Term Options Rates 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
Loan Type Rates As Low As
Personal (Freedom) Loans 10.24% APR*
Personal Line of Credit 10.90% 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.