IHECU - Loan Rates

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Loan Rates

As of March 26, 2008
(Rates are subject to change)

Click here for our LOAN PAYMENT CALCULATOR
Click here To CALCULATE your DEBT TO INCOME ratio.
Click here for automobile info and book values from Kelley Blue Book.

TYPE OF LOAN	ANNUAL PERCENTAGE RATE (APR)^*	MAXIMUM TERM**
New Vehicles	as low as 4.60% APR as low as 4.60% APR as low as 4.60% APR as low as 4.60% APR as low as 4.60% APR	up to 24 mo. up to 36 mo. up to 48 mo. up to 60 mo. up to 72 mo.
Used Vehicles	as low as 4.85% APR as low as 4.85% APR as low as 4.85% APR as low as 4.85% APR as low as 4.85% APR	up to 24 mo. up to 36 mo. up to 48 mo. up to 60 mo. up to 72 mo.
Unsecured Loans	as low as 10.75% APR as low as 10.75% APR	36 months
Share Secured Loans	3.00% APR	36 months
Share Certificate Loans	Certificate rate plus 2.00% APR	Certificate term

^{Loan example for New Vehicle Loan:}	^APR	^{Monthly Payment}
^{$20,000 for 24 months}	^4.60%	^$873.97
^{$20,000 for 36 months}	^4.60%	^$595.92
^{$20,000 for 48 months}	^4.60%	^$457.04
^{$20,000 for 60 months}	^4.60%	^$373.83
^{$20,000 for 72 months}	^4.60%	^$318.46

^{Loan
example for Used Vehicle Loan:}
^APR

^{Monthly
Payment}

^{$15,000
for 24 months}
^4.85%

^$657.16

^{$15,000
for 36 months}
^4.85%

^$448.62

^{$15,000
for 48 months}
^4.85%

^$344.47

^{$15,000
for 60 months}
^4.85%

^$282.09

^{$15,000
for 72 months}
^4.85%

^$240.58

^{Loan
example for Unsecured Loan:}
^APR

^{Monthly
Payment}

^{$1,500
for 36 months}
^10.75%

^$48.94

^{$1,000
for 36 months}
^10.75%

^$32.63

^{Loan
example for Share Secured Loan:}
^APR

^{Monthly
Payment}

^{$1,000
for 36 months}
^3.00%

^$29.09

^*Rates subject to change. The actual rate and payment amount will reflect a members' individual circumstance and credit score and may be higher than the rates above.
^**Other conditions may apply.