Rates

New and Used Vehicles

Vehicle AgeAvailable TermAPR** starting at:
2013 or newerUp to 48 months2.99%
2013 or newer49-63 months3.20%
2013 or newer64-75 months3.70%
2012 or olderUp to 48 months4.95%
2012 or older49-63 months5.45%
2012 or older64-75 months5.95%
Available term lengths are based on retail value.***

Disclosure

**84 month term available with certain restrictions

** The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.
*** Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Maximum terms subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide minus rebate. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide. If the vehicle value is less than $7,500 Personal Loan Rates apply. If the vehicle is being purchased through a private party, the lesser of NADA retail or purchase price will be used. All rates subject to change.

RV

Vehicle AgeAvailable TermAPR* as low as:
2011 or newerUp to 75 months3.20%
2010 or olderUp to 75 months5.45%
120 month term available for loan amount of at least $35,0006.75%
180 month term available for loan amount of at least $50,0007.75%

Disclosure

**84 month term available with certain restrictions

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.
** Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Maximum terms subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide minus rebate. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide. If the vehicle value is less than $7,500 Personal Loan Rates apply. If the vehicle is being purchased through a private party, the lesser of NADA retail or purchase price will be used. All rates subject to change.

Personal Loans

TypeAvailable AmountTerms up to:APR* as low as:
Share Secured Personal Loanequal to amount in savings or shares up to $180,00060 months6.5%
Certificate Secured Personal LoanEqual to amount of CDs up to $180,000Equal to remaining term of certificate6.5%
Unsecured Personal Loanup to $48,00048 months10%
Prime Credit Line of Credit$5,000 to $48,000Open ended7%
Overdraft Protection$1000 to $2,500Open endedPrime + 6.5%

Disclosures

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

Mortgages

Home Loan TypeDescriptionAvailable Term Lengths
Fixed-rate mortgageLoan that provides a predictable payment schedule by maintaining the same rate for the life of the loan.30, 25, 20, 15, and 10 year
Adjustable rate mortgageLoan that starts with a fixed rate for an initial term, then changes to an adjustable rate.3/1, 5/1, 7/1
VA mortgageFixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance.30 and 15 year
FHA mortgageGovernment-insured fixed rate loan with low down payment and low interest rate.  30 and 15 year
USDA mortgageMortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment.30 year
Jumbo mortgageLoan amounts greater than $484,350 with 720 credit score. Call for additional details.30 and 15 year

HELOC

Loan to Value (LTV) RatioAPR as low as:Advances availableRepayment Term
80% LTV5.50%First 10 years20 years
90% LTV5.50%First 10 years20 years
100% LTV8.00%First 5 years10 years

Checking Accounts

Account TypeMinimum BalanceAPY*Dividend RateDividend Policy Calculated/CompoundedMonthly Service Fee
Illini PLUS Checking• $100 initial deposit to open
• No minimum balance
0.05%0.05%Daily/Monthly$6 monthly fee
Loyalty Checking• $100 initial deposit to open
• No minimum balance
N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*
N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*
Daily/Monthly$6 monthly fee & $5 annual debit card fee

or

Waived with one of the criteria met*
iChecking• $100 initial deposit to open
• No minimum balance
N/AN/AN/A• None
• Pre-packaged qualifying products

*Criteria includes direct deposit of $500+, 6 electronic withdrawals (debit, ATM, ACH, online banking, bill pay) from this Loyalty Checking account, monthly average balance of $500+ for this Loyalty Checking account. Qualifying products/services include 10+ years membership, Investments Retirement and Trust Services, consumer loans and VISA, aggregate deposits greater than or equal to $5,000, bill pay (iPay) active within prior 90 days

Savings

Account TypeMinimum Opening DepositMinimum BalanceAPY*
Share Savings$5$50.05%
IRA Share SavingsNoneNone0.05%
Holiday ClubNoneNone0.05%
Vacation ClubNoneNone0.05%

Share Certificate

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.30%0.30%90 day dividend
6 months$10000.35%0.35%90 day dividend
1 year$5000.50%0.50%180 day dividend
2 years$5001.00%1.00%180 day dividend
3 years$5001.25%1.24%180 day dividend
4 years$5001.50%1.49%180 day dividend
5 years$5002.00%1.98%180 day dividend

IRA and Coverdell Education Savings Certificates

Term LengthMinimum Deposit for IRAMinimum Deposit for ESAAPYDividend RateEarly Withdrawal Penalty
1 Year$1000$5000.50%0.50%180 Day Dividend
2 Years$1000$5001.00%1.00%180 Day Dividend
3 Years$1000$5001.25%1.24%180 Day Dividend
4 Years$1000$5001.50%1.49%180 Day Dividend
5 Years$1000$5002.00%1.98%180 Day Dividend

Illini Draft Money Market

BalanceAPYDividend Rate
$0 - $2,499.000.05%0.05%
$2,500 - $24,999.990.15%0.15%
$25,000 and up0.25%0.25%

Jumbo Money Market

BalanceAPYDividend Rate
$0 - $49,999.990.05%0.05%
$50,000 and up*1.50%1.49%

Limit 6 withdrawals and transfers per month. *Higher rate paid only on the portion of the balance above $50,000.