309.661.1166
Mortgage Loans
as low as
2.875% APR
 
New/Used Auto
as low as
1.74% APR
 
Personal Loan
as low as
6.74% APR
 
VISA Credit Cards
as low as
8.99% APR
 
Share Certificates
as much as
2.04% 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, 2015
 
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 March 1, 2016
 
 
 
 
 
 
 
 
 
 
 
To earn the advertised dividend rate on this account, the account owner must enroll in online banking and e-statements, receive a minimum $300 direct deposit, make at least 3 payments totaling at least $300 (to a third party) with MICU's free online bill pay program and post a minimum of $300 in debit card 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 March 1, 2016
 
Type Balance Required Dividend Rate Annual Percentage Yield

Platinum Stripes
Interest Bearing
Checking

 

$1,000 - $4,999.99 .15% .15%
$5,000 and over .18% .18%

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

Money Market Account Rates

Effective March 1, 2016
Type Balance Required Dividend Rate Annual Percentage Yield

Money Market
Accounts

 

$2,500 - $24,999.99 .30% .30%
$25,000 - $74,999 .40% .40%
$75,000 and over .40% .40%

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

16-Month Certificate Special
$25,000 minimum deposit earns 1.08% APY*

Effective April 15, 2016
 
 
 
 

MICU_CDs_180x180_041616-Month Certificates
$25,000 Minimum Deposit

1.08% APY*!

 


*APY means Annual Percentage Yield, and is based on compounded dividends.

Terms and conditions for this special offer are as follows: $5 minimum Mid-Illini Credit Union membership required. Dividends paid monthly. Penalty will be imposed for early withdrawal. Fees could reduce earnings on this account. This limited time offer is for new money and personal accounts only, and may end without notice. At maturity, the rates will adjust to non-promotional rates that are in effect at that time.


Share Certificate and IRA Account Rates

Effective March 8, 2016
 
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 .38% .38%
12 months .60% .60%
18 months .85% .85%
24 months 1.15% 1.16%
30 months 1.35% 1.36%
36 months 1.55% 1.56%
48 months 1.90% 1.92%
60 months 2.00% 2.02%
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 .40% .40%
12 months .62% .62%
18 months .87% .87%
24 months 1.17% 1.18%
30 months 1.37% 1.38%
36 months 1.57% 1.58%
48 months 1.92% 1.94%
60 months 2.02% 2.04%

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 April 14, 2016
 
Type Loan Amount Term Annual Percentage Rate
as low as
Signature Loan Up to $20,000 12 months 6.74%
$1,000.01 - $20,000 24 months 7.74%
$2,000.01 - $20,000 36 months 8.24%
$3,000.01 - $20,000 48 months 8.49%
$5,000.01 - $20,000 60 months 8.74%

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. Rates shown reflect a .25% rate reduction for using one of Mid-Illini Credit Union's automatic payment options.

Type Model Year Term Annual Percentage Rate
as low as
Vehicle Loan
or
Boat Loan
2016-2015 up to 63 months 1.74%
64-75 months 2.19%
76-84* months 2.59%
2014-2011 up to 63 months 2.39%
63-75  months 2.79%
2010 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. Advertised rates are for well qualified borrowers. Rate includes discount of .25% for using one of MICU's automatic payment options.

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 5.74%
$5,000.01 - $9,999.99 up to 60 months 5.24%
$10,000 or more up to 60 months 4.24%
$10,000 or more up to 72 months 4.95%

Increase rates by .50% for 2010 and older units. 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. Advertised rates are for well qualified borrowers. Rate includes discount of .25% for using one of MICU's automatic payment options.

Type Loan Amount Term Annual Percentage Rate
as low as
Loans secured by
MICU Shares or
Share Certificates
Loan amount may not exceed 100% of share value.
up to 60 months
3.62%

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.

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

 

Effective September 1, 2015

 
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.

Mortgage Loan Rates

Effective May 23, 2016
 
Type Loan Amount Annual Percentage Rate with escrow Annual Percentage Rate without escrow
30 Year
Fixed Mortgage
$30,000 - $59,999 3.750% 3.875%
$60,000 - $99,999 3.625% 3.625%
$100,000 - $179,999 3.625% 3.625%
Over $180,000

3.625%

3.625%
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.

Mortgage Loan Rates

Effective May 23, 2016
 
Type Loan Amount Annual Percentage Rate with escrow Annual Percentage Rate without escrow
30 Year
Fixed Mortgage
$30,000 - $59,999 3.750% 3.875%
$60,000 - $99,999 3.625% 3.625%
$100,000 - $179,999 3.625% 3.625%
Over $180,000 3.625% 3.625%
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.

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

 

 

15-Year
Fixed Mortgage

$30,000 - $59,999 3.00% 3.125%
$60,000 - $99,999

2.875%

3.00%

$100,000 - $139,999

2.875%

3.00%

Over $140,000

2.875%

2.875%

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.

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

Mid-Illini Credit Union
Proud Member of

McLean County Chamber of Commerce
NCUA Equal Housing Lender

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