Loan Rates
ILFCU Loan Rates with flexible terms to meet your needs
New Vehicle Loan Rates:
Indiana Lakes has new and used auto and recreational loans with flexible terms to meet your needs. Buy your next vehicle at ILFCU with our low loan rates.
Rates Current as of 2/28/2025
| Loan Type | Maximum Term |
*APR As low as |
|---|---|---|
|
New Auto 2025-26 |
84 months |
6.50 % |
|
New Auto 2025-26 |
72 months |
6.25 % |
|
New Auto 2025-26 |
60 months |
6.00 % |
|
New Auto 2025-26 |
48 months |
5.75 % |
|
New Auto 2025-26 |
36 months |
5.25 % |
|
RVs, Boats, or Motorcycles |
**Terms are the same as New Auto Terms** |
|
Used Vehicle Loan Rates:
Indiana Lakes has used auto and recreational loans with flexible terms to meet your needs. Buy your next used vehicle with low loan rates from ILFCU.
Rates Current as of 2/28/2025
| Loan Type | Maximum Term |
*APR As low as |
|---|---|---|
|
Used Auto 2020-2024 |
60 months |
6.50 % |
|
Used Auto 2019 & Older |
60 months |
6.25 % |
|
* All Used Vehicles * |
If quallified, may be approved for 72 mo. |
.25% higher than best qualified rate. |
|
RVs, Boats, or Motorcycles |
**Terms are the same as Used Auto Terms** |
|
Home Equity Loan Rates:
Indiana Lakes has competitive rates and terms that let you take advantage of favorable market conditions. Get your next Home Equity Loan with low loan rates from ILFCU.
Rates Current as of 2/28/2025
| Loan Type | Maximum Term |
*APR As low as |
|---|---|---|
|
Home improvement $15,000 Invoice or estimate |
60 months |
8.25 % |
|
HELOC (Prime Rate) |
Open End |
WSJ Prime Rate + (.25) % |
Other Loan Rates:
Indiana Lakes FCU members loan themselves money when they pledge their share savings account or share certificate as collateral.
Rates Current as of 2/28/2025
| Loan Type | Maximum Term |
*APR As low as |
|---|---|---|
|
Signature |
48 months at $29.50/$1000 |
9.90 % |
|
Misc / Secured |
48 months w/$25 UCC-1 Fee or Title |
8.75 % |
|
Secured by Certificate |
Same as Certificate term |
2% over rate |
|
VISA Credit Card |
open end |
6.9% 8.9% Base(10.9%) 12.9% 15.9% 17.9% |
* You must be 18 YEARS OF AGE & employed at least 6 months to get a loan of any kind.
* Between 6 month and 1 year employment, you must have a non-spousal co-signer who meets our loan restrictions.
* MUST BE IN THE UNITED STATES FOR 1 YEAR, PLUS DOCUMENTATION PROOF.