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Personal Loan Rates

Personal Loans and Lines Rates

Rates as of:
TypeTermAPR* as low as
Signature1 up to $5,000 Up to 36 months 12.99%
Signature1 over $5,000 Up to 60 months 12.99%
Overdraft Line of Credit Up to 30 months 14.00%
Share Secured2 Up to 60 months Current deposit rate + 3.00%
Home Improvement Loan3 Up to 60 months 7.50%

*APR = Annual Percentage Rate
1. Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 12.99% APR over a 36-month term would make a payment of $71.76 per $1,000 borrowed.

2. The Shared Secured Loan is only available to current members who have checking account in good standing with Ideal Credit Union.

3. Maximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 7.50%APR, monthly payments would be $500.95.

Ideal Loan & Deposit Rates