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.

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*Advertised rates are for well qualified borrowers. Actual rate will be based off credit qualifications. Rate includes discounts of .25% for Platinum Checking and .25% for automatic payment.
*Advertised rates are for well qualified borrowers. Actual rate will be based off credit qualifications. Rate includes discounts of .50% for Platinum Checking and .50% for automatic payment.
**Advertised rates are for well qualified borrowers. Actual rate will be based off credit qualifications. Rate includes discounts of .25% for Platinum Checking and .25% for automatic payment.

**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%).

* 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 95% loan-to-value, but please call the credit union for the current rates.
* Rates above include a 45 day lock from the date of application.
* Mortgages are available in all 50 states, but the rates may vary slightly.


*Roth & Traditional IRA Share Certificates minimum $2,000.
**Youth savings certificates available to 18 years of age and under only. Education IRA certificates (minimum $500).
***Jumbo rate quoted upon request, depending upon maturity of the certificate.
Penalties apply for early withdrawal.

** Includes Bonus for Platinum Checking Club.

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.

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.