• 104 E Maple St PO Box 100 Spooner, WI 54801
Facebook-f X-twitter Twitter Linkedin-in
Online Banking
LOAN

Loan Rates

We can help… With new model-year vehicles arriving, it’s a great time to score a good deal on last year’s models. Not sure where to start? Find your next ride with our vehicle buying service!

EZ Auto Locator

Already found your vehicle and ready to apply for financing?

APPLY NOW

Loan Rates

2020 & Newer- Vehicle Rates, includes Travel Trailers, Motorhomes, Boats
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
6.04%
$44.34
36 Month
6.54%
$30.67
48 Month
6.64%
$23.78
60Month
6.84%
$19.73
66 Month
7.04%
$18.32
72-75 Month ($10k minimum)
7.54%
$16.76 *75 Months
84 Month ($20k minimum)
8.34%
$15.76

Travel Trailers, Motor Homes, Boats:

Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
120 Month, $20k Minimum, requires 10% down
9.84%
$13.13
180 Month, $30k Minimum, requires 20% down
11.04%
$11.39
APPLY TODAY
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
7.04%
$44.79
36 Month
7.54%
$31.12
48 Month
7.64%
$24.24
60-63 Month
7.84%
$20.06 *60 Months
72-75 Month ($10k minimum)
8.54%
$17.25 *75 Months

Travel Trailers, Motor Homes, Boats:

Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
85-120* Month · $20k Minimum, requires 10% down
10.54%
$13.52 *120 Months
APPLY TODAY
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
8.04%
$45.25
36 Month
8.54%
$31.59
48 Month
8.64%
$24.71
60 Month
9.04%
$20.78
APPLY TODAY
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
6.54%
$44.56
36 Month
7.04%
$30.90
48 Month
7.14%
$24.01
60-63 Month
7.54%
$20.06 *60 Months
72-75 Month ($10k minimum)
8.04%
$17.01 *75 Months
84 Month ($20k minimum)
9.04%
$16.11
APPLY TODAY
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
7.54%
$45.02
36 Month
8.04%
$31.35
48 Month
8.14%
$24.48
60-63 Month
8.34%
$20.44 *60 Months
72-75 Month ($10k minimum)
9.04%
$17.50 *75 Months
APPLY TODAY
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
24 Month
8.54%
$45.47
36 Month
9.04%
$31.82
48 Month
9.14%
$24.95
60 Month
9.54%
$21.02
APPLY TODAY

Other Personal Loans

  • Debt Consolidation
  • Holiday Loans
  • Recreational Vehicles – ATVs, boats, campers, snowmobiles, etc…
  • School shopping
  • Signature Loans
  • Vacation
Personal Loans
Type
Term
APR** As Low As***
Monthly Payment Per $1000 Borrowed
Signature ($2,000 Maximum)
18.00%
Signature ($2,001 Minimum)
24 Month
12.99%
$47.54
Signature ($2001 Minimum)
36 Month
13.99%
$34.17
Signature ($2001 Minimum)
48 Month
14.99%
$27.83
Signature ($2001 Minimum)
60 Month
15.99%
$24.31
Shared Secured
1 Year Balloon Note
3% over dividend rate
Line of Credit
11.00%
$3.00 Per $1000 Borrowed
Checking Overdraft Protection
18.00%
$3.00 Per $1000 Borrowed
APPLY TODAY

Other Real Estate Loans

  • Second Mortgage
  • “REAP” home equity line of credit
  • FHA home improvement
  • Home Construction

Talk to our friendly loan experts to learn more about our flexible pay plan and low monthly payments!

Real Estate Mortgage
Type of First Mortgage
Rate
10 – Year Fixed
Contact Indianhead Credit Union for Rates
15 – Year Fixed
Contact Indianhead Credit Union for Rates
20 – Year Fixed
Contact Indianhead Credit Union for Rates
25 – Year Fixed
Contact Indianhead Credit Union for Rates
30 – Year Fixed
Contact Indianhead Credit Union for Rates
20 & 30 Year Fixed VA & FHA
Contact Indianhead Credit Union for Rates
HELOC – Home Equity Line of Credit
Contact Indianhead Credit Union for Rates
Construction
Contact Indianhead Credit Union for Rates
APPLY TODAY
Type of First Mortgage
Rate
10 – Year Fixed
Contact Indianhead Credit Union for Rates
15 – Year Fixed
Contact Indianhead Credit Union for Rates
20 – Year Fixed
Contact Indianhead Credit Union for Rates
APPLY TODAY
Term
Rate
10 – Year Fixed
Contact Indianhead Credit Union for Rates
15 – Year Fixed
Contact Indianhead Credit Union for Rates
20 – Year Fixed
Contact Indianhead Credit Union for Rates
25 – Year Fixed
Contact Indianhead Credit Union for Rates
30 – Year Fixed
Contact Indianhead Credit Union for Rates
APPLY TODAY
APPLY TODAY

Deposit Rates

Deposit Accounts
Type of Account
Minimum Balance
Dividend Rate
APY*
Super Rate Savings
$25.00
0.200%
0.200%
Super Rate Savings
$2,000.00
0.300%
0.300%
Super Rate Savings
$20,000.00
0.400%
0.401%
My Moolah Savings (Youth Account)
$5.00
1.200%
1.207%
My Moolah Saving (Youth Account)
$2,000.00
1.300%
1.308%
My Moolah Savings (Youth Account)
$3,000.00
0.300%
0.300%
My Moolah Savings (Youth Account)
$20,000.00
0.400%
0.401%
Classic Account (Money Market Account)
$5,000.00
1.100%
1.106%
Classic Account (Money Market Account)
$25,000.00
1.350%
1.358%
Classic Account (Money Market Account)
$50,000.00
1.600%
1.612%
Funeral Trust Account
$100.00
0.400%
0.401%
IRA Passbook Account (Traditional & Roth)
$100.00
0.500%
0.501%
IRA Passbook Account (Traditional & Roth)
$5,000.00
0.750%
0.753%
IRA Passbook Account (Traditional & Roth)
$25,000.00
1.000%
1.005%
IRA Passbook Account (Traditional & Roth)
$50,000.00
1.250%
1.257%
Health Savings Account
$50.00
0.250%
0.250%
Health Savings Account
$5,000.00
0.500%
0.501%
Health Savings Account
$25,000.00
0.750%
0.753%
Health Savings Account
$50,000.00
1.000%
1.005%
Club Accounts
Minimum Balance
Dividend Rate
APY*
Christmas Club
$25.00
0.500%
0.501%
Universal Club
$25.00
0.500%
0.501%
I Want It Club (Youth Club)
$5.00
1.500%
1.510%
I Want It Club (Youth Club)
$3000.00
0.500%
0.501%
Checking Accounts
Minimum Balance
Dividend Rate
APY*
Basic Checking
$500.00
0.250%
0.250%
Direct Deposit Checking
$1,000.00
0.250%
0.250%
Free E-statement Checking
not applicable
not applicable
not applicable
Non-Profit Organization Checking
$500.00
0.250%
0.250%
APPLY TODAY
Certificates
Account Type
Term
Compounded
Minimum Balance to open/earn stated APY
Dividend Rate
APY*
Share Certificates
180 Day
At Maturity
$1,000.00
1.484
1.490
Share Certificates
12 Month
Calendar Quarter
$1,000.00
2.467
2.490
Share, Roth & Traditional IRA Certificates
18 Month
Calendar Quarter
$1,000.00
2.172
2.190
Share, Roth & Traditional IRA Certificates
24 Month
Calendar Quarter
$1,000.00
2.271
2.290
Share, Roth & Traditional IRA Certificates
36 Month
Calendar Quarter
$1,000.00
2.330
2.350
Share, Roth & Traditional IRA Certificates
48 Month
Calendar Quarter
$5,000.00
2.369
2.390
Share, Roth & Traditional IRA Certificates
60 Month
Calendar Quarter
$10,000.00
2.428
2.450
APPLY TODAY
Logo
Thanks for visiting Indianhead Credit Union, where we strive to give you excellent, professional and confidential service with a small town touch
Facebook-f Instagram Twitter Linkedin-in
Company
Support
Routing Number: 291880767
Copyright © 2025
EZ AUTO LOCATOR
BECOME A MEMBER
ONLINE MORTGAGE APPLICATION
APPLY FOR A LOAN  
ONLINE BANKING

Online Banking Login

                                                                                                           
 
            Forgot Password | Not Registered            
 
Logo

⚠️ You are exiting our website!