IAACU 808 IAA DRIVE
PO BOX 2901
BLOOMINGTON, IL
61702-2901
800.676.2541
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|Consumer|Mortgage|Certificates|Money Market|Other
Current Auto Rates
Rates last updated 7/1/2008 8:51:16 AM. They are subject to change without notice.
LoanType
Term (in months)
Annual Percentage Rate
Payment (per $1000)
New Cars & Trucks 2008 - 2007
36
4.49%*
$29.75
48
4.49%*
$22.81
60
4.49%*
$18.65
72
5.50%*
$16.35
Used Cars & Trucks 2006
60
4.99%*
$18.88
Used Cars & Trucks 2005
60
5.25%*
$19.00
Used Cars & Trucks 2004
48
5.50%*
$23.27
Used Cars & Trucks 2003 & Older
36
5.75%*
$30.32
*These rates include a .25% discount for being a member of our Platinum Checking Club. Ask us how to qualify.
Rates last updated 7/3/2008 9:01:16 AM. They are subject to change without notice.
LoanType
Term (in months)
Rate
Payment (per $1000)
Annual Percentage Rate
Home Equity - Variable Rate
240 (20yr)
80% loan-to-value**
NA
3.90%**
240 (20yr)
90% loan-to-value**
NA
4.90%**
Lock in an 80% HELOC Balance
120 Months
6.25%
$11.23
6.25%
Lock in a 90% HELOC Balance
120 Months
7.25%
11.74
7.25%
Home Equity - Fixed Rate
60 (5yr)
80% loan-to-value
$19.22
5.75%
120 (10yr)
80% loan-to-value
$11.35
6.50%
60 (5yr)
90% loan-to-value
$19.80
6.99%
120 (10yr)
90% loan-to-value
$11.87
7.50%
5 Year Balloon - 2nd Mortgage
5 year up to 360
80% loan
$6.16
6.25%
5 Year Balloon - 2nd Mortgage
5 year up to 360
90% loan
$6.65
7.00%
New Mobile Homes
Up To 180 Months
11.50%
$11.69
11.50%
Used Mobile Homes
Up To 180 Months
12.00%
$12.01
12.00%
First Mortgage - Fixed Rate
180 (15 yr)
6.125%*
$8.52
6.165%
360 (30 yr)
6.500%*
$6.33
6.526%
First Mortgage - Adjustable Rate
3 year ARM (3-1)
5.625%*
$5.77
5.646%
5 year ARM (5-1)
5.625%*
$5.77
5.646%
* 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. Mortgages are available up to 100% 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 a 6 month introductory rate. After the 6 months the Home Equity Lines adjust to a variable rate based on prime. 80% lines are Prime -.25%(Currently 4.750%). 90% lines are Prime + 1.00%(Currently 6.000%). 100% lines are Prime + 2.00% (Currently 7.000%)
Rates last updated 7/1/2008 8:59:01 AM. They are subject to change without notice.
Term
Minimum Balance
Annual Percentage Rate
Annual Percentage Yield
3
$1,000*
2.62%
2.65%
6
$1,000*
2.86%
2.90%
12
$1,000*
3.10%
3.15%
18
$1,000*
3.10%
3.15%
24
$1,000*
3.39%
3.45%
30
$1,000*
3.39%
3.45%
36
$1,000*
3.44%
3.50%
45
$1,000*
3.44%
3.50%
48
$1,000*
3.73%
3.80%
60
$1,000*
3.92%
4.00%
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.
Rates last updated 7/1/2008 8:56:59 AM. They are subject to change without notice.
Account Type
Annual Percentage Rate
Annual Percentage Yield
IRA/HSA Money Market (3rd Quarter 2008)
2.25%
2.27%
Share Savings (06-30-08)
.75%
.75%
Christmas/Vacation Clubs (06-30-08)
.75%
.75%
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.
ESI
EHL
