Loan Rates

Whether you're shopping for your first home, saving for retirement, looking for an affordable credit card or refinancing a vehicle, Integrity FCU offers our members competitive rates to help you meet your financial needs. Interested in a loan? Apply Today!

Rates by Loan Type

New Vehicles

New Traditional – 100% Financing

36 months as low as 3.24% APR*1
60 months as low as 3.24% APR*2
72 months as low as 3.50% APR*3

New Recreational – 100% Financing

Up to 72 months as low as 5.00% APR*4
73-240 months
(must borrow $50,000.00 or more)		 as low as 6.00% APR*5

New Motorcycle – 100% Financing

36 months as low as 3.24% APR*6
60 months as low as 3.24% APR*7
72 months as low as 3.50% APR*8
* The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
1 Payment as low as $292.27 per $10,000.00 borrowed, based on a 36-month term.
2 Payment as low as $181.00 per $10,000.00 borrowed, based on a 60-month term.
3 Payment as low as $153.22 per $10,000.00 borrowed, based on a 72-month term.
4 Payment as low as $161.38 per $10,000.00 borrowed, based on a 60-month term.
5 Payment as low as $359.11 per $50,000.00 borrowed, based on a 240-month term.
6 Payment as low as $292.27 per $10,000.00 borrowed, based on a 36-month term.
7 Payment as low as $181.00 per $10,000.00 borrowed, based on a 60-month term.
8 Payment as low as $154.41 per $10,000.00 borrowed, based on a 72-month term.

Used Vehicles

Used Traditional – 90% of average NADA retail value

1-4 Years (2011-2008) 72 months as low as 3.50% APR*1
5-7 Years (2007-2005) 60 months as low as 3.50% APR*2
8+ Years (2004-1997) 36 months as low as 3.50% APR*3

Vintage Vehicle - 90% of market value

60 months as low as 10.75% APR*4

Used Recreational – 90% of average NADA retail value

1-4 Years (2011-2008) 72 months as low as 6.00% APR*5
5-7 Years (2007-2005) 60 months as low as 6.00% APR*6
8-19 Years (2004-1997) 36 months as low as 6.00% APR*7
If value of the vehicle is over $50,000.00 minus age of vehicle 240 months as low as 6.00% APR*8

Used Motorcycle – 90% of average NADA retail value

Up to 72 months as low as 3.50% APR*9
* The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
1 Payment as low as $154.41 per $10,000.00 borrowed, based on a 72-month term.
2 Payment as low as $182.18 per $10,000.00 borrowed, based on a 60-month term.
3 Payment as low as $296.19 per $10,000.00 borrowed, based on a 36-month term.
4 Payment as low as $216.26 per $10,000.00 borrowed, based on a 60-month term.
5 Payment as low as $166.14 per $10,000.00 borrowed, based on a 72-month term.
6 Payment as low as $193.81 per $10,000.00 borrowed, based on a606-month term.
7 Payment as low as $304.98 per $10,000.00 borrowed, based on a 36-month term.
8 If value of the vehicle is over $50,000.00 you may borrow for up to 240 months, less the age of the vehicle. Payment as low as $359.11 per $50,000.00 borrowed, based on a 240-month term.
9 Payment as low as $154.41 per $10,000.00 borrowed, based on a 72-month term.

Unsecured Loans

Personal/Signature Loan

Up to 72 months as low as 11.00% APR*1
* The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
1 Payment as low as $154.41 per $10,000.00 borrowed, based on a 72-month term.

Secured Loans

Share Secured

1-24 months 3.25% APR*1
25-48 months 3.50% APR*2
49-72 months 3.75% APR*3
* The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
1 Payment of $43.15 per $1,000.00 borrowed, based on a 24-month term.
2 Payment of $22.39 per $1,000.00 borrowed, based on a 48-month term.
3 Payment of $15.56 per $1,000 borrowed, based on a 72-month term.

Mortgages

Mortgage rates can change daily - please contact our loan officers for current rates and fees.

Second Mortgage rates can change daily - please contact our loan officers for current rates and fees.

Home Equity Line of Credit

Open–End Variable Rate - ($100.00 Processing Fee)

Range of Balances Payoff Period Rate
Up to $5,000.00 60 months As Low As Prime +.50% APR*1
$5,000.01 to $25,000.00 120 months As Low As Prime +.50% APR*2
$25,000.01 and Above 180 months As Low as Prime + .50+% APR*3
* The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
1 *APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime + .50, WSP is 3.25% APR as of 8/14/2010. Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease).Rate is As Low As. Higher rates based on credit score. Once you’re “locked in” to the initial rate, it can be subject to change monthly. Payment of 18.33 per $1,000.00 borrowed, based on a 60-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”
2 *APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime +.50, WSP is 3.25% APR as of 8/14/2010. Minimum Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease).Rate As Low As. Higher rates based on credit score. Once you’re “locked in” to the initial rate, it can be subject to change monthly. Payment of $50.11 per $5,000.01 borrowed, based on a 120-onth term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”
3 *APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime +.50, WSP is 3.25% APR as of 8/14/2010. Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease).Rates As Low As. Higher rates based on credit score Once you’re “locked in” to the initial rate, it can be subject to change monthly. Payment of $182.09 per $25,000.01 borrowed, based on a 180-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”