We Don’t Judge. LIFE HAPPENS – WE GET THAT! With YOUR Credit Union you don’t have to have perfect credit to achieve your dreams. Whether it’s a loan for a new car, motorcycle, boat or much-deserved vacation, you’ll know you are getting the best possible rate.
New and used vehicle loans. The interest rate is determined by your loan term and credit history. Call us to get pre-approved.
We can help you finance your RV, motorhome, boat, motorcycle, or any other titled recreational vehicle.
Classic VISA and Share Secured Card with no cash advance fee and no balance transfer fees. VISA Classic rates from 8.99% and Share Secured rates 14.99%!
No collateral but still need money for an unexpected reason? Borrow, using your signature and credit history, for whatever you need.
Offers you access to funds when you need them. Use only what you need and have the rest available in case of emergencies.
Borrow against the funds in your Share account or CD, at a low rate, while still earning interest on your deposit and build your credit.
| LOAN TYPE | TERM | APR* |
|---|---|---|
| New Vehicles | 36-84 months | 4.24 – 18% |
| Used Vehicles | 36-84 months | 5.24 – 18% |
| Recreational Vehicles** | 36-120 months | 6.74 – 18% |
| Miscellaneous Secured Loans*** | up to 72 months | 6.99 – 12.99% |
| Signature Loans | 36 months | 10.49 – 18% |
| Line of Credit | N/A | 10.49 – 18% |
| Share Secured Loans | N/A | 3.00%**** |
| Share Certificate Secured Loans | Minimum 1 year | Call for Rates |
| Home Equity Loan (Fixed) | up to 180 months | Call for Rates |
| Home Equity Line of Credit (Variable) | up to 180 months | Call for Rates |
Rates Effective Aug. 1, 2026
*APR=Annual Percentage Rate. Rates are based on your credit history, credit qualifications, and the term of the loan. All rates are subject to change at any time. Please check with Ironworkers USA CU for current rates and special offers.
**Recreational Vehicles include: Campers, Tent and Travel Trailers, 5th Wheels, Motor Homes, Boats, Boat Motors and Boat Trailers, Farm Equipment
***Miscellaneous Secured Loans are loans with collateral consisting of, but not limited to: Motorcycles, Dirt Bikes, ATVs, Snowmobiles, Wave Runner or other Water Sport Vehicles, Light Utility Trailers
****Variable rate based on current savings account rate. Please contact Ironworkers USA CU for more information.
