Rates

For mortgage rates, please contact one of our experienced mortgage loan officers.
 
Members with an Integra First Checking account* may qualify for a relationship pricing discount on loans, with the exclusion of mortgage loans.




 
Effective Date: Thursday, January 9th, 2025
Year Term     APR* as low as Monthly Payment Per $1000 Borrowed
New Titled Vehicles - 2023 & Newer     36 Months 4.99% $29.97
New Titled Vehicles - 2023 & Newer 48 Months 4.99% $23.02
New Titled Vehicles - 2023 & Newer 60 Months 5.25% $18.99
New Titled Vehicles - 2023 & Newer 72 Months 5.49% $16.33
New Titled Vehicles - 2023 & Newer 84 Months 5.59% $14.41
Used Titled Vehicles - 2022 - 2014 36 Months 5.25% $30.08
Used Titled Vehicles - 2022 - 2014 48 Months 5.50% $23.26
Used Titled Vehicles - 2022 - 2014 60 Months 5.79% $19.24
Used Titled Vehicles - 2022 - 2014 72 Months 5.99% $16.57
2013 & Older Unsecured Rates N/A N/A
*APR= Annual Percentage Rate. APRs will vary based on terms and creditworthiness. Terms, conditions, and restrictions apply. All loans subject to Integra First's normal credit requirements. Rates and terms subject to change without notice.
*72 month term is only available on model year 2018 or newer. 
Annual Percentage Rate (APRs) stated above are based on financing up to 100% of value.

Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2023 & Newer

Rates for 120 and 180 month terms apply to New or Used Titled Recreational Vehicles (i.e. campers, motorhomes, boats). In order to qualify for 120 month financing, vehicle must be current year or current model year minus five years, and have a NADA Guide value of $75,000 or more. In order to qualify for 180 month financing, vehicle must be current year or current model year minus five years, and have a NADA Guide value of $75,000 or more.
 
APR* as low as Maximum Term Monthly Payment Per $1000 Borrowed
4.99% 36 Months $29.97
4.99% 48 Months $23.02
5.25% 60 Months $18.99
5.49% 72 Months $16.33
5.59% 84 months $14.41
8.00% 120 Months $12.13
8.25% 180 Months $9.70

Recreational Titled Vehicles: Motorhomes, Travel Trailer Campers, Boats etc. - 2022-2014

APR* as low as Maximum Term Monthly Payment Per $1000 Borrowed
5.25% 36 Months $30.08
5.50% 48 Months $23.26
5.79% 60 Months $19.24
5.99% 72 Months $16.57

Non-Titled Recreational Vehicles - 2023 & Newer

APR* as low as Maximum Term Monthly Payment Per $1000 Borrowed
4.99% 36 Months $29.97
4.99% 48 Months $23.02
5.50% 60 Months $19.10

Non-Titled Recreational Vehicles - 2022 & Older

APR* as low as Maximum Term Monthly Payment Per $1000 Borrowed
5.40% 36 Months $30.15
5.69% 48 Months $23.34
*APR= Annual Percentage Rate. IFFCU has the right to change rates at any time. All rates and terms subject to credit approval.
*Recreational Titled Vehicles: 72 month term is only available on model year 2018 or newer. Annual Percentage Rate (APRs) stated above are based on financing up to 100% of value for titled & non-titled recreational vehicles.
Loan Maximum Term (Up to 60 Months) APR* as low as Monthly Payment Per $1000 Borrowed
Unsecured Personal Loans 12 Months (Holiday Loan Special) 5.99% $86.06
Unsecured Personal Loans 36 Months 10.00% $32.28
Unsecured Personal Loans 48 Months 10.50% $25.62
Unsecured Personal Loans 60 Months 11.50% $22.01
Term Certificate/Share Secured Loans 60 Months 4.00% $18.42
Single Payment Loans 90 Day Note 14.25% $1,000.00
*APR= Annual Percentage Rate. IFFCU has the right to change rates at any time. All rates and terms subject to credit approval. Share Secured Rate is 4% APR above Share/CD rate.
Account Dividend Rate APY* Minimum Balance
Regular Savings Accounts .20% .20%     $10
Christmas Club Accounts .20% .20% N/A
Vacation Club Accounts .20% .20% N/A
Roth, Educational & Traditional IRA Accounts .50% .50%     $10
*APY = Annual Percentage Yield. All accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates subject to change without notice. Fees may reduce earnings.
Minimum Balance Dividend Rate APY*
$500.00 - $9,999.99 .25% .25%
$10,000.00 - $24,999.99 .60% .60%
$25,000.00 - $49,999.99 1.00% 1.00%
$50,000.00 and Over 1.25% 1.25%
*APY = Annual Percentage Yield. All accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates are subject to change without notice. Fees may reduce earnings.
Term Dividend Rate APY* Minimum Balance
6 Months 1.51% 1.52% $2,500
12 Months 2.32% 2.35% $500
24 Months 2.50% 2.52% $500
36 Months 2.65% 2.68% $500
48 Months 2.75% 2.78% $500
60 Months 3.00% 3.04% $500
*APY = Annual Percentage Yield. All certificate accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates are subject to change without notice. A penalty fee will be imposed for early withdrawal.




*Integra First defines an active checking account as an account set up with payroll deposit and auto pay for the new loan.
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.