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Loan Rates

Rates effective February 1, 2023

Auto Rates
Term Options Up to 84 Months As Low As
Auto Loans 4.64% APR*
Motorcycle Loans 4.64% APR*
Classic Car Loans 6.14% APR*
RV Rates
Term Options Up to 120 Months As Low As
Recreational Vehicle Loans 5.64% APR*
Home Equity Rates
Term Options Up to 240 Months As Low As LTV
Fixed Rate Home Equity Loans 7.75% APR* 80% loan to value
Home Equity Line of Credit 7.50% 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 Preferred Plus (No Annual Fee) 9.90% APR*
Visa Essentials® (No Annual Fee) 16.90% 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 (Freedom) Loans 7.74% APR*
Share - and Certificate-Secured Loans 3% over the Share and Certificate Rate
Title Loans - 36/48 months %
Title Loans - 60 months %

*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.