Loan Rates

New & Used Auto

New/Used Car Loan Rates

  •  Rates effective 07-27-2017
New Vehicles1 Annual Percentage Rate (APR)* Alert Me
60 Months 3.14%
72 Months 3.39%
84 Months 4.14%
Used Vehicles2 Alert Me
60 Months 3.14%
72 Months 3.39%
Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7100.
  • 1No Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores.
  • 2Vehicle/RV loan rates are available to members on approved credit. Rates quoted are for top tier FICO scores.

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RV

Recreational Vehicles
Camp trailers, motor homes, fifth wheels

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR)
100% Financing
Alert Me
84 Months 4.24%
120 Months 4.49%
144 Months 4.74%
Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7100.

Boats

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR)
90% Financing
Alert Me
72 Months 5.39%
120 Months 5.64%
144 Months 5.89%
Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7100.

Street Bikes

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR) Alert Me
48 Months 3.99%
60 Months 4.49%
72 Months 4.99%
84 Months 5.99%
Street Bike loan rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Street Bike Loans please call (208) 235-7100. Dirt bikes are ineligible. New Vehicle: Is a motorcycle that has never been titled and registered. Other conditions: Branded titles, i.e. salvaged, reconditioned, rebuilt, flood damage titles, max LTV 50%.

Power Sports
Personal watercraft, snow machines, ATVs, scooters.

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR)
90% Financing
Alert Me
24 Months 5.39%
36 Months 5.89%
48 Months 6.39%
60 Months 6.89%
New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on powersport loans please call (208) 235-7100.

Home Loans

Real Estate loans
1st Mortgage Purchase or Refinance

  •  Rates effective 07-27-2017
Call (208) 235-7100 for today's rates Alert Me
Call for qualifications and rates on our Mortgage Loans. We offer a wide selection of other loan products. Call today: (208) 235-7100 Rates quoted are for top tier FICO scores. Certain restrictions apply, rates may change and all loans subject to approved credit. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.

Home Equity

  •  Rates effective 07-27-2017
Interest Rate Annual Percentage Rate (APR) Alert Me
Home Equity Loan1 5.94% Fixed 5.94% Fixed
Home Equity Line of Credit2 3.75% Variable 3.75% Variable
  • 1Based on an 84-month repayment term and 80% CLTV. No discounts for automatic payment from a Share or Share Draft account. Rates effective 10/21/2011. Rates quoted are for top tier FICO scores. Appraisal fee paid by member.
  • 2Rate effective 10/21/2011. Based on a 240-month repayment term. Variable rate is indexed to the Wall Street Journal prime rate less .25% with a floor rate of 3.75% and a maximum rate of 14.00%. Rate reprices monthly. Loan proceeds are on a 10-year draw. Loan terms and rates on approved credit. Rates quoted are for top tier FICO scores.

Other/Personal

Other Loan Rates

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR) Alert Me
Signature1 12 months 7.24%
24 months 8.24%
36 months 9.24%
48 months 10.24%
60 months 11.24%
Overdraft Line of Credit2 36 months 9.24%
Share Secured Up to 120 months 2% over the current share rate securing the loan
Certificate Secured Up to 60 months 2% over the current share certificate rate securing the loan
  • 1Signature loan rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 2No discounts for Line of Credit and auto transfer is required on this loan account.

Other Loan Rates - Personal Property Loans

  •  Rates effective 07-27-2017
Term Annual Percentage Rate (APR) Alert Me
Personal Property Loans1 36 months 4.74%
48 months 5.24%
60 months 5.74%
  • 1Personal loan rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Certain restrictions apply and rates may change. Minimum finance amounts apply.

Mastercard Credit Cards

Mastercard® Credit Cards

  •  Rates effective 07-27-2017
Card Type Cash Advance Fee Balance Transfer Fee Annual Percentage Rate as low as Alert Me
Platinum Mastercard®1 NONE NONE 8.25% (OAC)
Platinum Plus Mastercard® (1% Rebate on purchases)1 NONE NONE 9.25% (OAC)
  • 1Rates current as of 7/01/17. Your Annual Percentage Rate (APR) will be determined in accordance with ISU Credit Union's loan policy and your credit profile.This APR will vary with the market based on the Prime Rate. (OAC) On approved credit.