309.661.1166
Mortgage Loans
as low as
3.75% APR
 
New/Used Auto
as low as
1.79% APR
 
Personal Loan
as low as
6.99% APR
 
VISA Credit Cards
as low as
8.99% APR
 
Share Certificates
as much as
1.92% APY
 

Advertised loan rates are our lowest available and are for well-qualified borrowers. Your rate will be determined by individual credit qualifications and may be higher.

See all rates

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Rates

Savings Account Rates

Effective October 1 - December 31, 2014
 
Type Balance Required Dividend Rate Annual Percentage Yield
Savings, Club, IRA and
Loan Payment Savings
$100 - $999.99 .10% .10%
$1,000 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .10% .10%
$25,000 and over .10% .10%

Fees could reduce earnings on this account. Rate may change after account is opened.

Cash Rewards High Interest Checking Rates

Effective August 18, 2014
 
 
 
 
 
 
 
 
 
 
 
To earn the advertised dividend rate on this account, the account owner must enroll in online banking, choose to receive e-statements instead of paper statements, either receive one direct deposit or make one payment using MICU's free online bill pay program and post at least 10 debit card signature transactions each month. Fees could reduce earnings on this account. Rate may change after account is opened.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Type Balance Required Dividend Rate Annual Percentage Yield

Cash Rewards High Interest Checking

 

Up to $25,000
(when qualifications stated above are met)

2.47% 2.50%

Account balance over $25,000
(when qualifications stated above are met)

  .15%   .15%

Entire account balance (when qualifications stated above are not met)

  .03%   .03%

Platinum Stripes Checking Account Rates

Effective December 1, 2013
 
Type Balance Required Dividend Rate Annual Percentage Yield

Platinum Stripes
Interest Bearing
Checking

 

$1,000 - $4,999.99 .10% .10%
$5,000 and over .14% .14%

Fees could reduce earnings on this account. Rate may change after account is opened.

Money Market Account Rates

Effective December 18, 2014
 
Type Balance Required Dividend Rate Annual Percentage Yield

Money Market
Accounts

 

$2,500 - $24,999.99 .20% .20%
$25,000 - $74,999 .25% .25%
$75,000 and over .30% .30%

Fees could reduce earnings on this account. Rate may change after account is opened.

Share Certificate and IRA Account Rates

Effective December 18, 2014
 
Balance Required Term Dividend Rate Annual Percentage Yield

$500 Minimum

Dividends paid monthly

Penalty will be imposed for early withdrawal

 

1 month .05% .05%
3 months .20% .20%
6 months .25% .25%
12 months .40% .40%
18 months .55% .55%
24 months .70% .70%
30 months .95% .95%
36 months 1.24% 1.25%
48 months 1.59% 1.60%
60 months 1.88% 1.90%
Balance Required Term Dividend Rate Annual Percentage Yield

Jumbo Rates
$100,000 and over

Dividends paid monthly

Penalty will be imposed for early withdrawal

 

1 month .07% .07%
3 months .22% .22%
6 months .25% .25%
12 months .42% .42%
18 months .57% .57%
24 months .72% .72%
30 months .97% .97%
36 months 1.26% 1.27%
48 months 1.61% 1.62%
60 months 1.90% 1.92%

Fees could reduce earnings on this account. Rate may change after account is opened.
APY - Annual Percentage Yield is based on compounded dividends.

 

Consumer Loans

Effective October 17, 2014
 
Type Loan Amount Term Annual Percentage Rate
as low as
Signature Loan Up to $20,000 12 months 6.99%
$1,000.01 - $20,000 24 months 7.99%
$2,000.01 - $20,000 36 months 8.49%
$3,000.01 - $20,000 48 months 8.74%
$5,000.01 - $20,000 60 months 8.99%

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Type Model Year Term Annual Percentage Rate
as low as
Vehicle Loan
or
Boat Loan
2015-2014 up to 63 months 1.79%
64-75 months 2.19%
76-84* months 2.59%
2013-2010 up to 63 months 2.39%
63-75  months 2.79%
2009 and Older up to 63 months 3.38%
  63-75 months 4.18%
*84 months minimum loan of $30,000

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Type Loan Amount Term Annual Percentage Rate
as low as
Motorcycle, Scooter, Snowmobile,
Personal Watercraft, ATV and Trailer Loans
Up to $5,000 up to 48 months 6.74%
$5,000.01 - $9,999.99 up to 60 months 6.24%
$10,000 or more up to 60 months 5.24%
$10,000 or more up to 72 months 5.95%

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Home Equity Loan & Home Equity Line of Credit (HELOC) Rates

 

Effective September 15, 2014

 
Type Loan Amount Term Annual Percentage Rate
Home Equity Loan Up to $100,000 up to 180 months As low as 3.75% fixed
Fixed rate home equity loan up to  95% Loan to Value (LTV)

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Type Line Amount Term Annual Percentage Rate
Home Equity
Line of Credit
$2,000 - $10,000 up to 72 months Variable, WSJ Prime Rate
Over $10,000.01 up to 120 months Variable, WSJ Prime Rate
Home Equity Line of Credit up to 90% LTV

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Mortgage Loan Rates

Effective September 15, 2014
 
Type Loan Amount Annual Percentage Rate with escrow Annual Percentage Rate without escrow
30 Year
Fixed Mortgage
$30,000 - $59,999 4.50% 4.50%
$60,000 - $99,999 4.375% 4.375%
$100,000 - $179,999 4.375% 4.375%
Over $180,000 4.375% 4.375%
Purchase and rate/term refinances up to 95% LTV and up to 60% LTV on cash out refinances. Higher LTV percent cash out refinances available. Call for details.

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

Type Loan Amount Annual Percentage Rate with escrow Annual Percentage Rate without escrow

 

 

15-Year
Fixed Mortgage

$30,000 - $59,999 3.625% 3.625%
$60,000 - $99,999 3.50% 3.50%
$100,000 - $139,999 3.50% 3.50%
Over $140,000 3.375% 3.375%
Purchases and rate/term refinances up to 95% LTV and up to 60% LTV on cash out refinances. Higher LTV percent cash out refinances available. Call for details.
The above rates are for conventional mortgages.
  • Up to 95% Loan to Value (LTV) available for purchases to qualified buyers.
  • We do not charge points for the rates listed, however, if you wish to "buy down" to a lower rate, please contact the credit union for point and rate information.
  • Approximate time for most mortgage transactions is 30 days.
  • Up to 85% LTV cash out refinances available.

Contact us with any questions you may have on your mortgage loan transactions. You can calculate the approximate monthly payment using our mortgage loan calculator.

Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.

 
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Mid-Illini Credit Union, 1811 Eastland Dr., Bloomington IL 61704
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