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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 12/23/2008 1:43:42 PM. They are subject to change without notice.
Loan Type	Term (In Months)	Annual Percentage Rate	Payment (Per $1000)
New Cars & Trucks 2008 - 2007 w/ 10% down payment
	up to 60	4.75%*	$18.77
New Cars & Trucks 2008 - 2007
	up to 60	5.00%*	$18.87
Used Cars & Trucks 2006 w/ 10% down payment
	60	5.50%*	$19.11
Used Cars & Trucks 2006
	60	5.75%*	$19.22
Used Cars & Trucks 2005 w/ 10% down payment
	60	5.75%*	$19.23
Used Cars & Trucks 2005
	60	6.00%*	$19.34
Used Cars & Trucks 2004 w/ 10% down payment
	48	5.99%*	$23.49
Used Cars & Trucks 2004
	48	6.24%*	$23.60
Used Cars & Trucks 2003 & Older w/ 10% down payment
	36	6.25%*	$30.55
Used Cars & Trucks 2003 & Older
	36	6.50%*	$30.65
*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 12/23/2008 1:43:18 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 1/5/2009 10:35:31 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	3.75%**
	240 (20yr)	90% loan-to-value**	NA	5.00%**
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)	5.000%*	$7.92	5.031%
	360 (30 yr)	5.500%*	$5.69	5.520%
First Mortgage - Adjustable Rate
	3 year ARM (3-1)	4.875%	$5.30	4.892%
	5 year ARM (5-1)	4.875%	$5.30	4.892%
* 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 3.750%). 90% lines are Prime + 1.00%(Currently 5.000%).

Certificates
Rates last updated 1/5/2009 11:40:30 AM. They are subject to change without notice.
Term	Minimum Balance	Annual Percentage Rate	Annual Percentage Yield
3	$1,000*	2.13%	2.15%
6	$1,000*	2.71%	2.75%
12	$1,000*	2.96%	3.00%
18	$1,000*	2.96%	3.00%
24	$1,000*	3.20%	3.25%
30	$1,000*	3.20%	3.25%
36	$1,000*	3.25%	3.30%
45	$1,000*	3.25%	3.30%
48	$1,000*	3.59%	3.65%
60	$1,000*	3.78%	3.85%
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 1/5/2009 11:41:14 AM. 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	**0.99%	1.00%
	$10,000.00-$24,999.99	**1.24%	1.25%
	$25,000.00 & over	**1.49%	1.50%
High Yield Money Market Account
	$ 50,000.00 & Over	**1.98%	2.00%
** Includes Bonus for Platinum Checking Club.

Other Investment Rates
Rates last updated 12/23/2008 1:43:59 PM. They are subject to change without notice.
Account Type	Annual Percentage Rate	Annual Percentage Yield
IRA/HSA Money Market (4th Quarter 2008)
	2.00%	2.02%
Share Savings (12-31-08)
	.65%	.65%
Christmas/Vacation Clubs (12-31-08)
	.65%	.65%
Member accounts are insured to $100,000 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 12/23/2008 1:44:08 PM. They are subject to change without notice.
	Platinum Visa	Classic Visa	IFB Visa	Country Visa
APR	9.90% Fixed	14.80% Fixed	7.99% or 11.99%*** (as of 11/1/08)	7.99% or 11.99%*** (as of 11/1/08)
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 14.99% (as of 11/1/08)	10.49 + Prime 14.99% (as of 11/1/08)
Slow Payment Rate**	17.90%	none	18.00%	18.00%
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.
***Rates and terms will be determined by the applicant's credit rating.