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Loans | Mortgage | Savings | Certificates
  
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* Rates shown are based upon credit worthiness and your actual rate may vary from those shown.
Cross Product / Relationship Discount Plan: You may be entitled to receive a preferred rate under this plan. You may be eligible for a rate deduction below the standard rate you qualify for if you have one of the follwoing cross products offered by Ingersoll-Rand Federal Credit Union: Share Draft, Debit Card, IRFCU Visa Credit Card, Direct Deposit to IRFCU accounts, Mortgage or Home Equity, PADS (automatic loan payment system), Virtual Branch Home Banking
**APR = Annual Percentage Rate
*** Special loan rates, excluded from the interest refund. Rates are subject to change.
**** Rate 3% above certificate rate - minimum 6%
Go To Loan Application | Go To Calculators | Back to Top
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* Rates shown are based upon credit worthiness andd your actual rate may vary from those shown.
Cross Product / Relationship Discount Plan: You may be entitled to receive a preferred rate under this plan. You may be eligible for a rate deduction below the standard rate you qualify for if you have one of the following cross products offered by Ingersoll-Rand Federal Credit Union: Share Draft, Debit Card, IRFCU Visa Credit Card, Direct Deposit to IRFCU accounts, Home Equity, PADS (automatic loan payment system), Virtual Branch home banking.
**APR = Annual Percentage Rate
*** Special loan rates, excluded from interest refund. Rates are subject to change.
Go To Loan Application | Go To Calculators | Back to Top
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| Share/Savings |
Minimum Balance |
Dividend Rate |
APY* |
Term |
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Share( Savings) /Christmas Club/Escrow/All-Purpose
For balances of $5.00 - $99.99
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$5.00 |
0.05 |
0.05 |
n/a |
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Share( Savings) /Christmas Club/Escrow/All-Purpose
For balances of - $100.00 to $2,499.99
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$100.00 |
0.25 |
0.25 |
n/a |
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Share( Savings) /Christmas Club/Escrow/All-Purpose
For balances of - $2,500.00 to $19,999.99
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$2500.00 |
0.25 |
0.25 |
n/a |
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Share(Savings) /Christmas Club/Escrow/All-Purpose
For balances of - $20,000.00 and over
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$20000.00 |
0.30 |
0.30 |
n/a
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*APY = Annual Percentage Yield
Rates are paid on the average daily balance and posted to the account quarterly.
Rates are subject to change.
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*APY = Annual Percentage Yield
Dividends compound quarterly.
Rates are subject to change.
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| Mortgages |
Partner Rates
November 3, 2011
Home Mortgage Rates
The rates and fees for Investment Properties and loan amounts of under $40,000 and more than $417,000 are different*
30 Year Conventional Fixed 15 Year Conventional Fixed
4.000% @ 0 Points * 3.250% @ 0 Points *
3.625% @ 3 Points * 2.750% @ 3 Points *
10 Year Conventional Fixed 20 Year Conventional Fixed
3.125% @ 0 Points * 3.750% @ 0 Points *
2.625% @ 3 Points * 3.375% @ 3 Points *
JUMBO LOANS: AMOUNTS ABOVE $417,000
30,25,20 Year Fixed 15,10 Year Fixed
Call for Rates Call for Rates
¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨
Adjustable Rate Mortgages
1 Year ARM 3 Year ARM 5 Year ARM
2.375%@ 0 Points 3.000% @ 0 Points 3.375% @ 0 Points
7 Year ARM 10 Year ARM
3.750% @ 0 Points 4.125% @ 0 Points
¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨
FHA
30 Year FHA/VA 15 Year FHA/VA
4.000% @ 0 Points 3.750% @ 0% Points
3.750% @ 3 Points 3.375% @ 3 Points
¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨
* Mortgages on investment properties are higher! Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000.
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