Home 
 Closed in Observance of Memorial Day
ISU Credit Union will be closed Monday, May 28, 2018. Online Banking, Smart Phone Apps, Mobile Banking, PAT and ATM access will be available.

Loan Rates

New & Used Auto

Table data for New/Used Car Loan Rates
 Rates effective 05-25-2018
New Vehicles1 Annual Percentage Rate (APR)* Alert Me
60 Months 3.99% Receive a notification when this rate changes
72 Months 4.24% Receive a notification when this rate changes
84 Months 4.99% Receive a notification when this rate changes
Used Vehicles2 Alert Me
60 Months 3.99% Receive a notification when this rate changes
72 Months 4.24% Receive a notification when this rate changes
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.

How much car can you afford?

Enter your desired monthly payment below

3 year loan:
7 year loan:

RV

Table data for Recreational Vehicles
Camp trailers, motor homes, fifth wheels
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR)
100% Financing
Alert Me
84 Months 4.24% Receive a notification when this rate changes
120 Months 4.49% Receive a notification when this rate changes
144 Months 4.74% Receive a notification when this rate changes
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.

Table data for Boats
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR)
90% Financing
Alert Me
72 Months 5.39% Receive a notification when this rate changes
120 Months 5.64% Receive a notification when this rate changes
144 Months 5.89% Receive a notification when this rate changes
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.

Table data for Street Bikes
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR) Alert Me
48 Months 3.99% Receive a notification when this rate changes
60 Months 4.49% Receive a notification when this rate changes
72 Months 4.99% Receive a notification when this rate changes
84 Months 5.99% Receive a notification when this rate changes
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%.

Table data for Power Sports
Personal watercraft, snow machines, ATVs, scooters.
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR)
90% Financing
Alert Me
24 Months 5.39% Receive a notification when this rate changes
36 Months 5.89% Receive a notification when this rate changes
48 Months 6.39% Receive a notification when this rate changes
60 Months 6.89% Receive a notification when this rate changes
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

Table data for Real Estate loans
1st Mortgage Purchase or Refinance
 Rates effective 05-25-2018
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.

Table data for Home Equity
 Rates effective 05-25-2018
Interest Rate Annual Percentage Rate (APR) Alert Me
Home Equity Line of Credit1 4.25% Variable 4.25% Variable Receive a notification when this rate changes
  • 1Rate effective 02/21/2018. Based on a 180-month repayment term. Variable rate is indexed to the Wall Street Journal prime rate less .25% with a floor rate of 4.00% and a maximum rate of 14.00%. Rate reprices monthly. Loan proceeds are on a 5-year draw and 15-year repay. Loan terms and rates on approved credit. Rates quoted are for top tier FICO scores.

Other/Personal

Table data for Other Loan Rates
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR) Alert Me
Signature1 12 months 7.24% Receive a notification when this rate changes
24 months 8.24% Receive a notification when this rate changes
36 months 9.24% Receive a notification when this rate changes
48 months 10.24% Receive a notification when this rate changes
60 months 11.24% Receive a notification when this rate changes
Overdraft Line of Credit2 36 months 9.24% Receive a notification when this rate changes
Share Secured Up to 120 months 2% over the current share rate securing the loan Receive a notification when this rate changes
Certificate Secured Up to 60 months 2% over the current share certificate rate securing the loan Receive a notification when this rate changes
  • 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.

Table data for Other Loan Rates - Personal Property Loans
 Rates effective 05-25-2018
Term Annual Percentage Rate (APR) Alert Me
Personal Property Loans1 36 months 4.74% Receive a notification when this rate changes
48 months 5.24% Receive a notification when this rate changes
60 months 5.74% Receive a notification when this rate changes
  • 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

Table data for Mastercard® Credit Cards
 Rates effective 05-25-2018
Card Type Cash Advance Fee Balance Transfer Fee Annual Percentage Rate as low as Alert Me
Platinum Mastercard®1 NONE NONE 8.25% (OAC) Receive a notification when this rate changes
Platinum Plus Mastercard® (1% Rebate on purchases)1 NONE NONE 9.25% (OAC) Receive a notification when this rate changes
  • 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.