Loan Rates – indianheadcu.org

Loan Rates

Auto, RV, Campers & Boat Rates

2022 & Newer

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.59%	$43.69
36 Months	4.99%	$29.97
48 Months	5.39%	$23.21
60 Months	5.59%	$19.14
66 Months	5.79%	$17.73
72-75 Months ($10,000 minimum)	6.19%	$16.11 (75 Months)
84 Months ($20,000 minimum)	6.69%	$14.94

RV’s, Campers & Boats

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
120 Month, $20k Minimum, requires 10% down	8.19%	$12.23
180 Month, $30k Minimum, requires 20% down	9.39%	$10.38

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2015–2021

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.89%	$43.82
36 Months	5.64%	$30.26
48 Months	5.99%	$23.48
60-63 Months	6.14%	$19.46 (60 Months)
72-75 Months ($10,000 minimum)	6.64%	$16.33 (75 Months)

RV’s, Campers & Boats

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
120 Month, $20k Minimum, requires 10% down	8.64%	$12.47 (120 Months)

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2014 & Older

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	6.64%	$44.61
36 Months	7.54%	$31.12
48 Months	7.79%	$24.31
60 Months	8.14%	$20.34

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Recreational Vehicles, Tractors & Motorcycles Rates

2022 & Newer

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.99%	$43.87
36 Months	5.74%	$30.30
48 Months	6.09%	$23.53
60-63 Months	6.24%	$19.44 (60 Months)
72-75 Months ($10,000 minimum)	6.59%	$16.30 (75 Months)
84 Months ($20,000 minimum)	7.49%	$15.33

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2015-2021

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	5.99%	$44.87
36 Months	6.74%	$30.76
48 Months	7.09%	$23.99
60-63 Months	7.24%	$19.91 (60 Months)
72-75 Months ($10,000 minimum)	7.59%	$16.79 (75 Months)

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2014 & Older

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	6.99%	$44.77
36 Months	7.74%	$31.22
48 Months	8.09%	$24.46
60 Months	8.24%	$20.39

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Personal Loans

Type	Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
Signature ($2,000 Maximum)	Up To 49 Months	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
Share 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

*Rates effective as of December 3, 2025

**APR= Annual Percentage Rate
***As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Real Estate Mortgage

1st Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
20 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

2nd Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
20 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Vacation/Second Home Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
20 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
30 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Land Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
20 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
30 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Construction Loan

Term	Rate
12 Month Balloon - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Home Equity Line of Credit (HELOC)

Term	Rate
10 Year Draw Period / 15 Year Repayment Period - Variable	Contact the Mortgage Team for Rates 715.635.8273 option 4

Government Mortgages

Type	Term	Rate
VA	15 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
USDA	20 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
FHA	30 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Thanks for visiting Indianhead Credit Union, where we strive to give you excellent, professional and confidential service with a small town touch

Company

Support

Routing Number: 291880767

Federally Insured by NCUA and an Equal Housing Lender. We do business in accordance with the Fair Housing and Equal Credit Opportunity Act. NMLS #464571
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.
We may provide links to third party websites. The Credit Union has no control over any other website and is not responsible for the content, accessibility or security of any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

Copyright © 2025

EZ AUTO LOCATOR

BECOME A MEMBER

ONLINE MORTGAGE APPLICATION

APPLY FOR A LOAN

×

Notice: The linked site is not owned or controlled by the credit union, the credit union is not responsible for the availability, content or security of the linked site, the credit union is not responsible for any claims related to any goods or services obtained from the linked site, the linked site's privacy policies may differ from those of the credit union and the credit union is not responsible for compliance with those policies.