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!

New Vehicles

Rates as of October 1, 2022

Newer Models 2019 & Newer – Up to 100% Financing

Up to 48 months

as low as 4.24% APR*1

Newer Recreational 2019 & Newer– Up to 100% Financing

Up to 48 months

as low as 6.24% APR*2

Newer Motorcycle 2019 & Newer – Up to 100% Financing

Up to 48 months

as low as 6.24% 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) A sample monthly payment for a loan of $20,000 for 48 months at 4.24% APR would be approximately $454.53.

(2) A sample monthly payment for a loan of $20,000 for 48 months at 6.24% APR would be approximately $473.13.

(3) A sample monthly payment for a loan of $20,000 for 48 months at 6.24% APR would be approximately $473.13.

Used Vehicles

Used 2017 and older – Up to 100% of average NADA retail value. Rates as of 10/1/2022

2018 – 2014	48 months	as low as 4.49% APR*1
2013 – 2010	48 months	as low as 6.00% APR2*

Used Recreational – Up to 100% of average NADA retail value

2018 – 2014	48 months	as low as 7.24% APR*3
2018 – 2014	60 months	as low as 7.49% APR*4
2013 – 2010	48 months	as low as 8.24% APR*5

Used Motorcycle – Up to 100% of average NADA retail value

2018 – 2014	60 months	as low as 6.75% APR*6
2018 – 2014	72 months	as low as 7.00% APR*7
2013 – 2010	48 months	as low as 7.25% 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) A sample monthly payment for a loan of $20,000 for 48 months at 4.49% APR would be approximately $456.83.

(2) A sample monthly payment for a loan of $20,000 for 48 months at 6.00% APR would be approximately $470.87.

(3) A sample monthly payment for a loan of $20,000 for 48 months at 7.24% APR would be approximately $482.61.

(4) A sample monthly payment for a loan of $20,000 for 60 months at 7.49% APR would be approximately $401.91.

(5) A sample monthly payment for a loan of $10,000 for 48 months at 8.24% APR would be approximately $492.20.

(6) A sample monthly payment for a loan of $20,000 for 60 months at 6.75% APR would be approximately $394.78.

(7) A sample monthly payment for a loan of $20,000 for 72 months at 7.00% APR would be approximately $341.97.

(8) A sample monthly payment for a loan of $15,000 for 48 months at 7.25% APR would be approximately $362.03.

Unsecured Loans

Personal/Signature Loan

Up to 36 months

as low as 7.99% 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) A sample monthly payment for a loan of $5,000 for 36 months at 7.99% APR would be approximately $157.18.

Secured Loans

Share Secured

Up to 60 months

3.00% APR*

*

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.

A sample monthly payment for a loan of $5,000 for 60 months at 3.00% APR would be approximately $89.96.

Mortgages

Our partner, Mortgage Center, is here to help with all your home financing needs. Not only do they offer traditional and government loans, Mortgage Center also offers unique mortgage solutions that other lenders cannot, including:

Zero down payment
Construction loans
Cash-out refinances
No Private Mortgage Insurance

If you’re looking to buy your first home, refinance your current one, or purchase a vacation home, Mortgage Center has a solution for you. Call 800-353-4449 to speak with a Mortgage Center expert and begin your free pre-approval or click the button below to apply now!

Home Equity Line of Credit

Open–End Variable Rate – ($150.00 Processing Fee)

Range of Balances	Payoff Period	Rate
Up to $5,000.00	60 months	As Low As Prime +.00% ^APR*1
$5,000.01 to $25,000.00	120 months	As Low As Prime +.00% ^APR*2
$25,000.01 and Above	180 months	As Low as Prime + .00+% ^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 + .00, WSP is 6.25% APR as of 9/2022. 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 $19.50 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 +.00, WSP is 6.25% APR as of 9/2022. 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 $56.29 per $5,000.01 borrowed, based on a 120-month 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 +.00, WSP is 6.25% APR as of 9/2022. 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 $214.91 per $25,000.01 borrowed, based on a 180-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”

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