Rates & Fees

450 Hillcrest Blvd., P.O. Box 188
Phillipsburg, NJ 08865
Phone: 908-859-1811
Toll Free: 800-538-1572
Fax: 908-859-2118

Rates & Fees

43,000 SURCHARGE-FREE
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Loans | Mortgage | Savings | Certificates

Loans	Rate as low as	APR*	Term
Certificate Secured - Contact Savings Dept. for details
New Car¹
- 1 to 3 year term	2.75	2.75	36	Calculator
- 4 to 5 year term	2.99	2.99	60	Calculator
- 6 year term	4.25	4.25	72	Calculator
- 7 year term	4.75	4.75	84	Calculator
Used Car ¹
- 1 to 3 year term	3.25	3.25	36	Calculator
- 4 year term	3.49	3.49	48	Calculator
- 5 year term	3.99	3.99	60	Calculator
- 6 year term	4.49	4.49	72	Calculator
New Motorcycles¹
- 1 to 3 year term	2.75	2.75	36	Calculator
- 4 year term	2.99	2.99	48	Calculator
Used Motorcycle¹
- 1 to 3 year term	3.25	3.25	36	Calculator
- 4 year term	3.49	3.49	48	Calculator
Personal / Signature Loan^{1_{- $15,000 Maximum}}				Calculator
- 3 year term	7.99	7.99	36	Calculator
- 4 year term	8.49	8.49	48	Calculator
- 5 year term	8.99	8.99	60	Calculator
- 6 year term	9.99	9.99	72	Calculator
- 7 year term	10.99	10.99	84	Calculator
¼% DISCOUNT* w/auto transfer from IRCO Checking Account
Vacation Loan - $2500
- 12 month maximum	6.99	6.99	12	Calculator
Share Secured	3.75	3.75	144	Calculator
VISA Credit Card	10.90	10.90	n/a	Calculator
				Calculator

*APR = Annual Percentage Rate
¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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Home Equity (1 - 15 yrs.)
Rate	Points	APR*
Prime (Min 4.00%)	N/A	4.00%

2nd Mortgages (1 - 5 yrs.)
RATES AS LOW AS
Rate	Points	APR*
4.61	N/A	4.61

(6 - 10 yrs.)

Rate Points APR*

4.62 N/A 4.62

(11 - 15 yrs.)
Rate	Points	APR*
4.85	N/A	4.85

(16 - 20 yrs.)
Rate	Points	APR*
4.85	N/A	4.85

*APR = Annual Percentage Rate
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Savings
Rate

APY*
Term

Share Savings Account 0.10 0.10 n/a

Club Accounts 0.10 0.10 n/a

IRA Share Savings Account (Traditional or Roth) 0.15 0.15 n/a

*APY = Annual Percentage Yield
Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter.
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Certificates Rate        APY*        Term

3 Month $500 min. 0.10 0.10 3

6 Month $500 min. 0.10 0.10 6

6 Month $10,000 min. 0.15 0.15 6

9 Month $500 min. 0.20 0.20 9

12 Month $500 min. 0.30 0.30 12

12 Month $10,000 min. 0.40 0.40 12

30 Month $500 min. 0.50 0.50 30

60 Month $500 min. 1.49 1.50 60

IRA 12 Month $500 min. 0.30 0.30 12

IRA 30 Month $500 min. 0.50 0.50 30

*APY = Annual Percentage Yield
All rates above are subject to change without notice.
A penalty will be imposed for early withdrawal.
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