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Rates

Loan Rates

Auto Loans

New Auto and Truck Loans
Rates Effective:
Rates as low as*Term*APR*
2.49% APRup to 36 months2.49% -13.59%
 37 - 72 months3.14% - 14.49%
 73 - 84 months**4.39% - 14.99%
Used Auto and Truck Loans
Rates Effective:
Rates as low as*Term*APR*
Model Years 2015 – 2018, as low as 2.49% APR up to 36 monthsUp to 84 months2.49% – 15.49%
Model Years 2014 & Older, as low as 2.99% APR up to 36 monthsUp to 72 months2.99% – 15.49%

Use one of our Auto Buying services to find your next New or Used Car
Not only will we find that perfect car for you, we’ll get you the best price for it! Plus, get a .25% discount on your Credit Union Auto Loan when you use one of our Auto Buying services.

Calculate how much your loan payments will be.


Motorcycle, Boat, Motorhome, and Camping Trailer Loans

Motorcycles
Rates Effective:
Rates as low as*Term*APR*
4.49% APRNew, up to 72 mo4.49% – 12.74%
 Used, up to 72 mo4.74% – 12.99%
Boats
Rates Effective:
Rates as low as*Term*APR*
4.49% APRNew, up to 240 mo4.49% – 15.24%
 Used, up to 240 mo4.74% – 15.49%
Motorhomes
Rates Effective:
Rates as low as*Term*APR*
4.24% APRNew, up to 180 mo4.24% – 14.99%
 Used, up to 180 mo4.74% – 15.49%
Camping Trailers
Rates Effective:
Rates as low as*Term*APR*
4.49% APRNew, up to 180 months4.49% – 15.24%
 Used, up to 180 months4.74% – 15.49%

Special Loans (Fixed Rate Stock, Share Secured, Certificate Secured, and Term Loans)

Fixed Rate Stock loans
Rates Effective:
Rates as low as*Term*APR*
7.50% APRUp to 120 months7.50% – 14.00%
Share Secured Loans
Rates Effective:
Rates as low as*Term*APR*
4.00% APRUp to 120 months4.00%
Certificate Secured Loans
Rates Effective:
Account TypeTerm*APR*
 Up to 120 months 4.00%*** above Certificate Dividend Rate
Term Loans
Rates Effective:
Rates as low as*Term*APR*
10.15% APRUp to 60 months10.15% – 17.40%

Effective Date:

Apply for a loan today!

Refer to Visa Credit Card Rates and Fees for details on Visa® Credit Cards.

*APR=Annual Percentage Rate. Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All IBMSECU Loans, including Visa® Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees. The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts.

**$20,000 minimum loan required for 84-month term.

***Contact the Credit Union for the present Certificate rates to determine the current APR.

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