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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.

Auto Rates | Loan Rates | Mortgage Rates | Certificates | Money Market Rates | Other Investment Rates | Visa Card Rates

Loan Calculator

Current Auto Rates
Rates last updated 12/23/2008 1:43:42 PM. They are subject to change without notice.
Loan TypeTerm (In Months)Annual Percentage RatePayment (Per $1000)
New Cars & Trucks 2008 - 2007 w/ 10% down payment
up to 604.75%*$18.77
New Cars & Trucks 2008 - 2007
up to 605.00%*$18.87
Used Cars & Trucks 2006 w/ 10% down payment
605.50%*$19.11
Used Cars & Trucks 2006
605.75%*$19.22
Used Cars & Trucks 2005 w/ 10% down payment
605.75%*$19.23
Used Cars & Trucks 2005
606.00%*$19.34
Used Cars & Trucks 2004 w/ 10% down payment
485.99%*$23.49
Used Cars & Trucks 2004
486.24%*$23.60
Used Cars & Trucks 2003 & Older w/ 10% down payment
366.25%*$30.55
Used Cars & Trucks 2003 & Older
366.50%*$30.65
Consumer Loan Rates
Rates last updated 12/23/2008 1:43:18 PM. They are subject to change without notice.
Loan TypeTerm (In Months)Annual Percentage RatePayment (Per $1000)
IAACU Share & Certificate Secured
605.50%*$19.11
All Other Secured Loans
367.75%*$31.23
Personal Loans
3610.65%* or 14.75%* **$32.58 or $34.55
Cosigner
3614.75%*$34.55
Overdraft Protection
5% of balance14.75%*
New Boats, Motorcycles & Recreation Vehicles
Terms based on collateral offered6.25%*$19.46
Used Boats, Motorcycles & Recreation Vehicles
Term based on collateral offered6.50%*$19.58
Classic VISA®
Payment is 2% of balance14.80%
Platinum VISA®
Payment is 2% of balance9.90%
Mortgage Rates
Rates last updated 1/5/2009 10:35:31 AM. They are subject to change without notice.
Loan TypeTerm (In Months)RatePayment (Per $1000)Annual Percentage Rate
Home Equity - Variable Rate
240 (20yr)80% loan-to-value**NA3.75%**
240 (20yr)90% loan-to-value**NA5.00%**
Lock in an 80% HELOC Balance
120 months6.75%$11.486.75%
Lock in a 90% HELOC Balance
120 Months7.75%$12.017.75%
Home Equity - Fixed Rate
120 (10yr)90% loan-to-value$12.017.75%
60 (5yr)80% loan-to-value$19.225.75%
120 (10yr)80% loan-to-value$11.486.75%
60 (5yr)90% loan-to-value $19.806.99%
First Mortgage - Fixed Rate
180 (15 yr)5.000%*$7.925.031%
360 (30 yr) 5.500%*$5.695.520%
First Mortgage - Adjustable Rate
3 year ARM (3-1)4.875%$5.304.892%
5 year ARM (5-1)4.875%$5.304.892%
Certificates
Rates last updated 1/5/2009 11:40:30 AM. They are subject to change without notice.
TermMinimum BalanceAnnual Percentage RateAnnual 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
Money Market Rates
Rates last updated 1/5/2009 11:41:14 AM. They are subject to change without notice.
Account TypeAverage BalanceAnnual Percentage RateAnnual 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%
Other Investment Rates
Rates last updated 12/23/2008 1:43:59 PM. They are subject to change without notice.
Account TypeAnnual Percentage RateAnnual 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%
VISA Card Rates and Terms
Rates last updated 12/23/2008 1:44:08 PM. They are subject to change without notice.
Platinum VisaClassic VisaIFB VisaCountry Visa
APR9.90% Fixed14.80% Fixed7.99% or 11.99%*** (as of 11/1/08)7.99% or 11.99%*** (as of 11/1/08)
Variable Raten/a n/a3.49%+Prime or 7.49% + Prime***3.49%+Prime or 7.49% + Prime***
Balance Transfer RateSame as PurchaseSame as PurchaseSame as PurchaseSame as Purchase
Cash Advance Rate9.90%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%none18.00%18.00%
Balance Calculation MethodAvg Daily BalanceAvg Daily BalanceAvg Daily BalanceAvg Daily Balance
Cash Advance Fee2% of the advance amountnone2% of the advance amount2% of the advance amount
Late Payment Fee$25$25$30$30
Over Credit Limit Fee$25$25$25$25