IBEW Local 56 Federal Credit Union was chartered in 1961 - Once A Member ... Always A Member

Loan Specials

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Holiday Loan Special

Available until December 23rd

Borrow $250-$2,500 at a rate as low as 4.49%APR*

Delay the first payment up to 50 days

Up to 12 Months to Repay

Same day loan approval for qualifying applicants

*APR = Annual Percentage Rate.  Other rates or limits may apply depending on lending criteria.  Loan must be backed by a 10% share pledge.  Borrower must be a credit union member for 3 months.  Subject to normal lending criteria:  credit worthiness, lack of delinquency, ability to repay, & Credit Committee or Loan Officer approval.  Only one "special" loan per account. 

*Vehicle Loan Discount*

Receive a 0.25%APR* Discount on Vehicle Loans Model Year 2015 and Newer

*APR=Annual Percentage Rate.  Borrower must receive at least 50% new money on Credit Union loan refinances.  Subject to normal lending criteria:  credit worthiness, lack of delinquency, ability to repay & Credit Committee or Loan Officer approval.  Same day approval and pre-approvals are available to qualifying members.  No required share pledge.  Offer may be withdrawn withour notice.

Click here for vehicle rates   

*Home Equity Loan Rates* 

Home Equity Mini-Mortgage
  • Borrow $5,000 - $65,000
  • Minimum $5,000 newly borrowed money
  • Appraisal required 
  • Fixed Rates as Low as:
    • 60 Months:  2.50% APR* 
    • 90 Months:  2.75% APR*
    • 120 Months: 2.85% APR*
  • Borrow $2,000 - $15,000
  • May refinance existing
  • Mini-Mortgage with 50% new money
  • Fixed Rates as Low as:
    • 36 Months:  2.00% APR*
    • 60 Months:  2.50% APR*

*APR = Annual Percentage Rate.  A minimum of 20% equity in the property is required, 25% for rental property.  Rental property:  Add .75%APR.  Borrower is responsible for appraisal, search & filing fees.  Proof of Homeowner's Fire, Theft & Comprehensive Insurance with the Credit Union listed as "Loss Payee" is required.  Loan approval subject to all normal credit qualifications.  Loan interest may be tax-deductible.  No required share pledge.  Other rates may apply based on lending criteria.  Rates subject to change without notice.

 

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