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CICU Loan and Savings Rates

Account Type Rate Term Remember, with our RateBreaker program we will beat any other bank or credit union's secured loan rate. Some restrictions apply. Call, email, or stop by for details.

**Click on  Member Rewards under the Special Offers tab for details on additional rate discounts up to .40%!!!

Visa Cards    

11.75% APR revolving



New or Used Car, Boat, Trailer, RV, Motorcycle 
2011 or newer

as low as 1.99% APR

(+5.0% APR rate adjustment for jet ski, scooters and ATV)
60 months or 72 months on loans
over $15,000  

Used Car, Boat, Trailer, RV, Motorcycle

as low as 5.09% APR **

(+5.0% APR rate adjustment for jet ski, scooters and ATV)
48 months or 60 months on loans over $15,000
Used Car, Boat, Trailer, RV, Motorcycle
as low as 6.50% APR**  up to 48 months

Personal Loans

as low as 6.50% APR** up to 48 months

Share Secured Loans

3.25% APR  flexible

Payday Alternative Loans

21.00% APR  up to 6 months



Regular Shares

0.05% APR 0.05% APY compounded quarterly

Share Draft Plus

0.05% APR 0.05% APY compounded quarterly



Certificate of Deposit

.15% APR .15% APY 6 month

Certiticate of Deposit 

      .20 % APR .20% APY      12 month

*   Sample payments are based on $1000 financed for the term and Annual Percentage Rate (APR) indicated in the table.  Rates as of January 20, 2015.
                    Sample Payment 1.99% for 60 months = $17.52
                    Sample Payment 1.99% for 72 months = $14.75
                    Sample Payment 5.09% for 48 months = $23.08
                    Sample Payment 5.09% for 60 months = $18.92
                    Sample Payment 9.50% for 48 months = $23.72

APY means Annual Percentage Yield.  There may be a considerable penalty for early withdrawal of certificates.  Certificate rates as of June 22, 2012.   Current rate for Regular Shares and Share Draft Plus as declared for March 31, 2016.

Apply for a loan now online!

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government