Ingersoll-Rand Federal Credit Union

Rates








Loans | Mortgage | Savings | Certificates

LOANS ***

 

Loans Rate* APR** Term  
New Vehicle (including licensed road motorcycles) *** 5.25 5.25 72 Calculator
Used Vehicle (including licenced road motorcycles) *** 2007-2009 5.35 5.35 60 Calculator
Used Vehicle (including licensed road motorcycles) *** 2006 and older 5.35  5.35  48 Calculator
New Recreational Vehicle *** 2009 or 2010  6.25 6.25 120 Calculator
Used Recreational Vehicle *** 2008 or older 6.60 6.60  120 or 72  Calculator
Signature (Personal) *** 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 7.20 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%
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MORTGAGES ***


15 Years

Rate * Points APR **
5.75 0 5.75


20 Years

Rate * Points APR **
5.80 0 5.80


25 Years

Rate * Points APR **
6.00 0 6.00

 

* 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          $5.00 to $99.99 $5.00 0.10 0.10 n/a
Share( Savings) /Christmas Club/Escrow/All-Purpose          $100.00 to $2,499.99 $100.00 0.30 0.30 n/a
Share( Savings) /Christmas Club/Escrow/All-Purpose       $2,500.00 to $19,999.99 $2500.00 0.40 0.40 n/a
Share(Savings) /Christmas Club/Escrow/All-Purpose         $20,000.00 and Up $20000.00 0.60 0.60

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 0.70 0.70 6

Share Certificates  "Special Rate"  $50,000.00 minimum   - 1.30- 1.31 APY  

                                   12 MONTH SPECIAL RATE  - ROLLOVER MONEY ONLY

$1000.00 1.10 1.10 12
Share Certificates $1000.00 1.20 1.21 18
Share Certificates $1000.00 1.30 1.31 24
Share Certificates $1000.00 1.80 1.81 30
Share Certificates   $1000.00 2.00 2.02 36
IRA / Roth Accumulative $5.00 2.25 2.27 n/a
IRA / Roth Certificate $1000.00 2.25 2.27 18

 

 

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

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