Rates

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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

Newer Models 2013 & Newer – Up to 100% Financing

Up to 60 months

as low as 2.49% APR*

New Recreational – Up to 100% Financing

Up to 60 months

as low as 5.25% APR*

New Motorcycle – Up to 100% Financing

Up to 72 months

as low as 5.75% 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. NO APPLICATION FEES!

Used Vehicles

Used 2012 and older – Up to 100% of average NADA retail value

2012 – 2008	60 months	as low as 2.64% APR*
2007 – 2005	48 months	as low as 3.75% APR*

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

2016 – 2011	72 months	as low as 5.50% APR*
2010 – 2008	60 months	as low as 6.00% APR*
2007 – 2005	48 months	as low as 6.50% APR*

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

2016 – 2011	72 months	as low as 6.00% APR*
2010 – 2008	60 months	as low as 6.25% APR*
2007 – 2005	48 months	as low as 6.50% 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. NO APPLICATION FEES!

Unsecured Loans

Personal/Signature Loan

Up to 60 months

as low as 8.99% 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. NO APPLICATION FEES!

Secured Loans

Share Secured

Up to 60 months

4.00% 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. NO APPLICATION FEES!

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 – ($150.00 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 4.25% APR as of 6/16/17. 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 $18.79 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 4.25% APR as of 6/16/17. 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 $52.53 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 4.25% APR as of 6/16/17. 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 $194.84 per $25,000.01 borrowed, based on a 180-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”

Account Rates

Share Accounts

The credit union is currently paying a dividend rate on the following account balances:

REGULAR SHARE, DAILY SHARE, BUSINESS SHARE, CHRISTMAS CLUB & TRAVEL CLUB – Account balance of $100.00 – $99,999,999.99	.025% with an APY of .025%*
CUSTODIAL SHARE-Account balance of $5.00-$99,999,999.99	.025% with an APY of .025%

MONEY MARKET SHARE ACCOUNTS

TIER 1 ($2500-$25,000.00)	.15% with an APY of .15%
TIER 2 ($25,000.01-$50,000.00)	.20% with an APY of .20%
TIER 3 ($50,000.01-UP)	.25% with an APY of .25%

*Annual percentage yield (APY) is accurate as of March 1, 2015. Dividend rates may change at anytime without notice. A minimum balance of $2500.00 is required in the Money Market Share accounts at all times to earn the advertised APY. You may make three (3) withdrawals per month. If you exceed this limitation your account can be closed. The required $5.00 balance will be forfeited if the account is closed within the first 90 days of membership.

On the following accounts:

Share Accounts
Daily Share Accounts
Business Share Accounts
Custodial Accounts
Christmas Club Accounts
Travel Accounts

*Annual percentage yield (APY) is accurate as of March 1, 2015. Dividend rates may change after the account is opened. Dividend rates may change at anytime without notice. A minimum balance of $100.00 required in Share accounts at all times to earn the advertised APY. The required $5.00 balance will be forfeited if the account is closed within the first 90 days of membership. Inactive accounts (no activity within a 12-month period) will be charged a $10.00 dormant account fee until account is re-activated or closed.

Checking Accounts

The credit union currently is not paying a dividend rate on the following accounts:

Checking Accounts
Business Checking Accounts

*Annual percentage yield (APY) is accurate as of March 1, 2015. Dividend rates may change after the account is opened. Dividend rates may change at any time without notice.

Rates by Card Type

Unsecured VISA® Credit Card	as low as 8.50% APR^*1
Share Secured VISA® Credit Card	6.99% APR^*2

*	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	Fixed 8.50% APR (Annual Percentage Rate) for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your VISA® disclosure or call (330) 825-2455 for more information.
2	Fixed 6.99% APR (Annual Percentage Rate) for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your Secured VISA® disclosure or call (330) 825-2455 for more information.