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Rates

The following information reflects current savings and loan rates available for IAA Credit Union Members. These rates are subject to change at any time. For more information, call 800-676-2541.

Loan Calculator

Current Auto Rates
Rates last updated 3/9/2010 2:37:39 PM. They are subject to change without notice.
Loan Type	Term (In Months)	Annual Percentage Rate	Payment (Per $1000)
New Cars & Trucks 2010 - 2008 w/ 10% down payment
	up to 60	3.99%*	$18.42
	up to 72	5.24%*	$16.23
New Cars & Trucks 2010 - 2008
	up to 60	4.24%*	$18.53
	up to 72	5.49%*	$16.34
Used Cars & Trucks 2007 w/ 10% down payment
	60	4.75%*	$18.77
Used Cars & Trucks 2007
	60	5.00%*	$18.88
Used Cars & Trucks 2006 w/ 10% down payment
	60	4.99%*	$18.88
Used Cars & Trucks 2006
	60	5.24%*	$18.99
Used Cars & Trucks 2005 w/ 10% down payment
	48	5.24%*	$23.15
Used Cars & Trucks 2005
	48	5.49%*	$23.26
Used Cars & Trucks 2004 & Older w/ 10% down payment
	36	5.50%*	$30.21
Used Cars & Trucks 2004 & Older
	36	5.75%*	$30.31
*These rates include a .25% discount for being a member of our Platinum Checking Club. Ask us how to qualify.

Consumer Loan Rates
Rates last updated 3/9/2010 2:37:21 PM. They are subject to change without notice.
Loan Type	Term (In Months)	Annual Percentage Rate	Payment (Per $1000)
IAACU Share & Certificate Secured
	60	5.50%*	$19.11
All Other Secured Loans
	36	7.75%*	$31.23
Personal Loans
	36	10.65%* or 14.75%* **	$32.58 or $34.55
Cosigner
	36	14.75%*	$34.55
Overdraft Protection
	5% of balance	14.75%*
New Boats, Motorcycles & Recreation Vehicles
	Terms based on collateral offered	6.25%*	$19.46
Used Boats, Motorcycles & Recreation Vehicles
	Term based on collateral offered	6.50%*	$19.58
Classic VISA®
	Payment is 2% of balance	14.80%
Platinum VISA®
	Payment is 2% of balance	9.90%
*Rate includes a .25% discount for being a member of the Platinum Checking Club
**Rate is determined by applicant's credit score

Mortgage Rates
Rates last updated 3/15/2010 8:53:16 AM. They are subject to change without notice.
Loan Type	Term (In Months)	Rate	Payment (Per $1000)	Annual Percentage Rate
Home Equity - Variable Rate
	240 (20yr)	80% loan-to-value**	NA	3.00%**
	240 (20yr)	90% loan-to-value**	NA	4.25%**
Lock in an 80% HELOC Balance
	120 months	6.75%	$11.48	6.75%
Lock in a 90% HELOC Balance
	120 Months	7.75%	$12.01	7.75%
Home Equity - Fixed Rate
	120 (10yr)	90% loan-to-value	$12.01	7.75%
	60 (5yr)	80% loan-to-value	$19.22	5.75%
	120 (10yr)	80% loan-to-value	$11.48	6.75%
	60 (5yr)	90% loan-to-value	$19.80	6.99%
First Mortgage - Fixed Rate
	180 (15 yr)	4.375%*	$7.60	4.402%
	360 (30 yr)	5.000%*	$5.38	5.018%
First Mortgage - Adjustable Rate
	5 Year ARM (5-5)	4.750	$5.23	4.767
* Rates are based on borrowing $150,000 on a primary residence in Illinois.
* The APR and monthly payment per $1,000 calculations are based upon 80% loan-to-value and do not include Private Mortgage Insurance (PMI). PMI is required for loans over 80% loan-to-value. 1st Mortgages are available up to 97% loan-to-value, but please call the credit union for the current rates.
* Rates above include a 60 day lock from the date of application.
* Mortgages are available in all 50 states, but the rates may vary slightly.
**80% and 90% Home Equity Line rates are variable rate based on prime that change monthly. 80% lines are Prime -.25%(Currently 3.000%). 90% lines are Prime + 1.00%(Currently 4.250%).

Certificates
Rates last updated 3/15/2010 9:32:47 AM. They are subject to change without notice.
Term	Minimum Balance	Annual Percentage Rate	Annual Percentage Yield
3	$1,000*	0.90%	.90%
6	$1,000*	1.14%	1.15%
12	$1,000*	1.39%	1.40%
18	$1,000*	1.54%	1.55%
24	$1,000*	1.93%	1.95%
30	$1,000*	2.08%	2.10%
36	$1,000*	2.32%	2.35%
45	$1,000*	2.57%	2.60%
48	$1,000*	2.81%	2.85%
60	$1,000*	3.05%	3.10%
Youth **	$500
Jumbo ***	$100,000
*Roth & Traditional IRA Share Certificates minimum $2,000.
**Youth savings certificates available to Kirby Club members only. Education IRA certificates (minimum $500).
***Jumbo rate quoted upon request, depending upon maturity of the certificate.

Money Market Rates
Rates last updated 3/9/2010 2:37:47 PM. They are subject to change without notice.
Account Type	Average Balance	Annual Percentage Rate	Annual Percentage Yield

	$1,000 - $ 2,499.99	**0.75%	0.75%
	$2,500 - $9,999.99	**0.75%	0.75%
	$10,000.00-$24,999.99	**0.99%	1.00%
	$25,000.00 & over	**1.09%	1.10%
High Yield Money Market Account
	$ 50,000.00 & Over	**1.34%	1.35%
** Includes Bonus for Platinum Checking Club.

Other Investment Rates
Rates last updated 3/15/2010 9:39:12 AM. They are subject to change without notice.
Account Type	Annual Percentage Rate	Annual Percentage Yield
IRA/HSA Money Market (1st Quarter 2010)
	1.25%	1.26%
Share Savings (3-31-10)
	.40%	.40%
Christmas/Vacation Clubs (3-31-10)
	.40%	.40%
Member accounts are insured to $250,000 by the National Credit Union Share Insurance Fund. An additional $250,000 is insured by Excess Share Insurance, a private insurance company.

VISA Card Rates and Terms
Rates last updated 3/9/2010 2:38:03 PM. They are subject to change without notice.
	Platinum Visa	Classic Visa	IFB Visa	Country Visa
APR	9.90% Fixed	14.80% Fixed	6.74% or 10.74%*** (as of 5/1/09)	6.74% or 10.74%*** (as of 5/1/09)
Variable Rate	n/a	n/a	3.49%+Prime or 7.49% + Prime***	3.49%+Prime or 7.49% + Prime***
Balance Transfer Rate	Same as Purchase	Same as Purchase	Same as Purchase	Same as Purchase
Cash Advance Rate	9.90%	14.80%	10.49 + Prime 13.74 (as of 5/1/09)	10.49 + Prime 13.74 (as of 5/1/09)
Balance Calculation Method	Avg Daily Balance	Avg Daily Balance	Avg Daily Balance	Avg Daily Balance
Cash Advance Fee	2% of the advance amount	none	2% of the advance amount	2% of the advance amount
Late Payment Fee	$25	$25	$30	$30
Over Credit Limit Fee	$25	$25	$25	$25
All IAACU VISA cards come with no annual fee, no minimum finance charge and a 25-day grace period for all purchases.
*Other Misc Fees: Replacement Fee $5, Documentation Fee $2, Account Research Fee: $25 per hour. International Assessment Transaction Fee: 1% of Purchase Amount.
***Rates and terms will be determined by the applicant's credit rating.