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Consumer Loans

IntegrUS Credit Union has a range of great loan products at competitive rates! We make the loan process easy for you.

Loan Products

IntegrUS Credit Union has a range of great loan products at competitive rates! To make the loan process easy for you, there are three ways to apply: in person at the branch, over the phone or complete an online application.  Our goal is to provide great loan solutions and personal service to maximize your valuable time.

New & Used Vehicle Loans

View the rates below for New & Used Vehicle Loans – Autos, Pick-ups, Van and Motorcycles (1200 CC or larger):

New (Untitled) Vehicles 2016-2017 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (3)
36 Months2.74%1.99%
48 Months2.99%2.24%
60 Months2.99%2.24%
72 Months3.24%2.49%
84 Months3.99%3.24%

Used Vehicles 2015-2017 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months2.99%2.24%
48 Months3.24%2.49%
60 Months3.24%2.49%
72 Months3.49%2.74%
84 Months4.24%3.49%

Used Vehicles 2012-2014 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months3.74%2.99%
48 Months3.99%3.24%
60 Months3.99%3.24%
72 Months4.24%3.49%

Used Vehicles 2009-2011 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months4.99%4.24%
48 Months5.24%4.49%
60 Months5.24%4.49%

Used Vehicles 2007-2008 Models

Term (2)Rates with Automatic Payment* (3)Member Relationship Rates* (4)
36 Months5.99%5.24%
48 Months6.24%5.49%

Used Vehicles 2005 & Older Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months10.49%9.74%
All rates quoted as Annual Percentage Rate (APR). Annual Percentage Rate are subject to change without notice.
The APR you receive will be based upon creditworthiness criteria. Rates for Non-Purchase funds, member business use, paper statement and manual pay may be higher.
(1) Members purchasing credit insurance, GAP protection or vehicle service contracts from credit union may borrow at extended terms.
(2) Automatic payment would be payment from payroll direct deposit or ACH debit payment.
(3) APR reflects discounts with member relationships of established active share draft account, net direct deposit of paycheck, e-statements, 75% LTV discount.
(4) APR reflects discounts with member relationships of established active share draft account, net direct deposit of paycheck, e-statements, 75% LTV discount.
* (As Low As)

Apply Now

Recreational Vehicles

View the rates below for Boats, Motorcycles (Under 1200 CC), ATVs, Campers, Snowmobiles, and Jet Skis:

Recreational Vehicles: 2016-2017 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (5)
36 Months4.99%4.24%
48 Months5.24%4.49%
60 Months5.49%4.74%
72 Months5.99%5.24%
84 Months6.99%6.24

Recreational Vehicles: 2013-2015 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (5)
36 Months5.99%5.24%
48 Months6.24%5.49%
60 Months6.49%5.74%
72 Months6.99%6.24%

Recreational Vehicles: 2010-2012 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (5)
36 Months7.99%7.24%
48 Months8.24%7.49%
60 Months8.49%7.74%

Recreational Vehicles: 2009 & Older Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (5)
36 Months10.99%10.24%
All rates quoted as Annual Percentage Rate (APR). Annual Percentage Rate are subject to change without notice.
The APR you receive will be based upon creditworthiness criteria. Rates for Non-Purchase funds, member business use, paper statement and manual pay may be higher.
(1) Members purchasing credit insurance, GAP protection or vehicle service contracts from credit union may borrow at extended terms.
(2) Automatic payment would be payment from payroll direct deposit or ACH debit payment.
(5) APR reflects discounts with member relationships of established active share draft account, net direct deposit of paycheck, e-statements and 75% LTV discount.
* (As Low As)

Apply Now

Travel Trailers, Boats & RVs Over 25ft.

View the rates below for Travel Trailers, Boats & RVs Over 25ft.:

Travel Trailers, Boats & RVs Over 25ft: 2013-2017 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (3)
36 Months2.74%1.99%
48 Months2.99%2.24%
60 Months2.99%2.24%
72 Months3.24%2.49%
84 Months3.99%3.24%

Travel Trailers, Boats & RVs Over 25ft: 2009-2012Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months4.49%3.74%
48 Months4.74%3.99%
60 Months4.74%3.99%
72 Months4.99%4.24%

Travel Trailers, Boats & RVs Over 25ft: 2006-2008 Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months6.49%5.74%
48 Months6.74%5.99%
60 Months6.74%5.99%

Travel Trailers, Boats & RVs Over 25ft: 2005 & Older Models

Term (1)Auto-Pay & E-Statement Rate* (2)Member Relationship Rates* (4)
36 Months8.49%7.74%
48 Months8.74%7.99%
60 Months8.74%7.99%
All rates quoted as Annual Percentage Rate (APR). Annual Percentage Rate are subject to change without notice.
The APR you receive will be based upon creditworthiness criteria. Rates for Non-Purchase funds, member business use, paper statement and manual pay may be higher.
(1) Members purchasing credit insurance, GAP protection or vehicle service contracts from credit union may borrow at extended terms.
(2) Automatic payment would be payment from payroll direct deposit or ACH debit payment.
(3) APR reflects discounts with member relationships of established active share draft account, net direct deposit of paycheck, e-statements, new vehicle discount and 75% LTV discount.
(4) APR reflects discounts with member relationships of established active share draft account, net direct deposit of paycheck, e-statements and 75% LTV discount.
* (As Low As)

Apply Now

Student Loans

IntegrUS Credit Union works with Iowa Student Loan® to offer supplemental private student loans to help you pay for college.1

The Partnership Advance Education Loan® (Partnership Loan):

Compare rates, fees, terms and other loan information.

Important Tips

Complete the FAFSA first. The first step in apply for financial aid, which includes federal student loans, is completing the Free Application for Federal Student Aid (FAFSA).  The FAFSA is a free form provided by the U.S. Department of Education that may be completed without professional assistance via paper application or online at www.fafsa.gov.  In your award letter from our college, the financial aid office will inform you of your eligibility for federal student loans.

Work with your college financial aid office.  Contact the financial aid professionals at your college or university to explore and exhaust other sources of federal, state and/or institutional financial aid before seeking a private student loan.  Accepting a private loan before using other types of available aid may decrease your eligibility for federal, state and institutional aid.

About Iowa Student Loan.  Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.

1 IntegrUS Credit Union is compensated by Iowa Student Loan for the referral of Partnership Loan customers.

Learn More

Other Loan Programs

View the rates for the other loan programs we offer:

Loans Secured by Shares

TermRates with Automatic Payment and E-statement* (1)Member Relationship Rates* (2)
36 Months4.35%4.35%

Loans Secured by Share Certificates

TermRates with Automatic Payment and E-statement* (1)Member Relationship Rates* (2)
VariesVariesVaries

Signature/Personal Loans

TermRates with Automatic Payment & E-statements* (1)Member Relationship Rates* (2)
36 Months11.49%10.99%
48 Months13.49%12.99%
60 Months15.49%14.99%

GrAdvantage Education Line of Credit (Fixed Rate)

Tier LevelRates with Automatic Payment* (1)Member Relationship Rates* (2)Draw/Term
Platinum Select9.80%9.30%48/96 Months
Platinum Plus10.80%10.30%48/96 Months
Platinum11.80%1130%48/96 Months
Gold13.30%13.00%48/96 Months

IntegrLINE Personal Line of Credit (Adjusts Quarterly)

Tier LevelRate with Automatic Payment*Monthly Minimum Payment % of Balance
Platinum Secured3.35%2.00%
Platinum Select8.99%2.00%
Platinum Plus9.99%2.00%
Platinum10.99%3.00%
Gold12.49%3.00%
Silver14.99%5.00%
Bronze19.99%5.00%
All rates quoted as Annual Percentage Rate (APR). Annual Percentage Rate are subject to change without notice.
The APR you receive will be based upon creditworthiness criteria.
(1) Automatic payment would be payment from payroll direct deposit or ACH debit payment.
(2) APR reflects discount for member relationships.
* (As Low As)

Insurance

IntegrUS offers a loan assurance and peace of mind while protecting you should the unexpected happen – ultimately providing peace of mind to protect you and your family.

Credit Life & Credit Disability Insurance

Protect yourself and your family by purchasing low-cost credit life and/or credit disability Insurance on your loan. These insurance policies will make your loan payment for you in the event of death or disability. This coverage is available as an option to you. It is not required. If you choose to add credit protection insurance, the premiums are simply added to your loan payments for your convenience.

Guaranteed Asset Protection Insurance

Guaranteed Asset Protection or GAP insurance is an exciting service that will protect you and your finances. When you drive a car off the lot, it depreciates. It’s not worth as much as you paid for it and it’s more than likely not worth the payback amount of your loan. If your car were to be stolen or totaled, regular car insurance reimburses you only the cash value of your car. GAP will pay your deductible up to $1,000; the remaining loan balance; plus $1,000 towards the purchase of your next vehicle financed at the credit union.

Mechanical Breakdown Protection

It’s like having health insurance for your vehicle. A sick vehicle can rack up big repair bills fast. Wouldn’t it be nice to know that you are protected? As your vehicle ages the likelihood of it needing repairs increases. With Mechanical Breakdown Protection (MBP) your pocket book will be protected and your vehicle will get fixed.

TruStage Home & Auto Insurance

IntegrUS Credit Union members can save big on home and auto insurance with our partnership with TruStage Insurance. For a quote, contact them by phone at 855.483.2149 or visit their website.