Ingersoll-Rand Federal Credit Union

Rates








Loans | Mortgage | Savings | Certificates

                                                                                                                  

***LOANS ***

 

Loans Rate* APR** Term  
New Vehicle  ***  
New Vehicle Loan Special - 2.50% for 66 months.  (for qualified  borrowers)
5.25 5.25 72 Calculator
Used Vehicle  *** 2008-2013   ***Special*** 2.5% up to 66 months ( for qualified borrowers) 5.35 5.35 60 Calculator
Used Vehicle (including licensed road motorcycles) *** 2010 and older 5.35  5.35  48  Calculator
New Recreational Vehicle *** 2013-2014 5.70 5.70 120  Calculator
Used Recreational Vehicle *** 2012 or older 5.80 5.80 120 or 72 Calculator

Signature (Personal) *** Special     ***  5-5-5 ***                           $5,000 for 5 years for 5%  for qualified borrowers

8.50  8.50 60 Calculator
Share Secured **** 6.00 6.00  60 Calculator
Share Certificate Secured **** 6.00 6.00 60 Calculator
Recreational Cycle (non-licensed motorcycles, four wheelers, dirt bikes, snow mobiles) *** 7.30 7.30 60  Calculator
New Mobile Home *** 6.70 6.70 180  Calculator
Used Mobile Home (over $15000.00) *** 7.00 7.00 120 Calculator
Used Mobile Home (under $15000.00) *** 7.00 7.00 72  Calculator
Home Equity *** ($15,000.00 and above) 6.10 6.10 180  Calculator
Home Equity  *** (below $15,000.00) 6.10 6.10 84  Calculator

 

* 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
 

 


* 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.
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***SAVINGS / SHARE ACCOUNTS***

 

 Share/Savings Minimum Balance Dividend Rate APY* Term

Share( Savings)  /Christmas Club/Escrow/All-Purpose          

For balances of $5.00 - $99.99

$5.00 0.10 0.10 n/a

Share( Savings) /Christmas Club/Escrow/All-Purpose         

For balances of - $100.00 to $2,499.99

$100.00 0.10 0.10 n/a

Share( Savings) /Christmas Club/Escrow/All-Purpose       

For balances of - $2,500.00 to $19,999.99

$2500.00 0.15 0.15 n/a

Share(Savings) /Christmas Club/Escrow/All-Purpose        

For balances of - $20,000.00 and over

$20000.00 0.20 0.20

n/a

 

*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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***CERTIFICATES***

 

Certificates Minimum Deposit Dividend Rate APY* Term
Share Certificates $5000.00 0.40 0.40 6

Share Certificates   12 MONTH SPECIAL RATE  "Special Rate"  $50,000.00 minimum   - 0.55%  0.55 APY               ROLLOVER MONEY ONLY

$1000.00 0.50 0.50 12
Share Certificates $1000.00 0.60 0.60 18 
Share Certificates $1000.00 0.65 0.65 24 
Share Certificates $1000.00 0.70 0.70 30 
Share Certificates   $1000.00 0.80 0.80 36
Traditional IRA / Roth Accumulative $5.00 0.70 0.70 n/a

Traditional IRA / Roth Certificate                                  18 Months

Traditional IRA / Roth Certificate                                  36 Months

Traditional IRA / Roth Certificate                                  60 Months

$1,000.00

$1,000.00

$1,000.00

0.70

0.85 

1.30

 

0.70

0.85

1.31

18 

 36

60

 

 

*APY = Annual Percentage Yield
Dividends compound quarterly.
Rates are subject to change.

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Mortgages 

 

            Partner Rates

                           December 5, 2014

                       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 *

 

 30 Year HARP(LTV over 105)                            15 Year HARP(LTV over 105)

 4.125% @ 0 Points                                             3.375% @ 0 Points

                                                                       

10 Year Conventional Fixed                          20 Year Conventional Fixed

    3.125% @ 0 Points *                                    3.875% @ 0 Points *                                 

    2.750% @ 3 Points *                                    3.500% @ 3 Points *

 

                                                                               20 Yr HARP (LTV over 105)

 
                                                                    4.000% @ 0 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                          

3.375%@ 0 Points             3.500% @ 0 Points            4.000% @ 0 Points

 

7 Year ARM                          10 Year ARM

4.250% @ 0 Points             4.625% @ 0 Points

         ¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨

                                                 FHA

 

 30 Year FHA/VA                               15 Year FHA/VA                          30 Year FHA/VA       

4.000% @ 0 Points                              3.500% @ 0 Points                   4.250% @ 0 Points

3.750% @ 3 Points                             3.125% @ 3 Points

           

       For credit score of 640 and above

¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨

             

                    

* 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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