IRCO Community FCU
450 Hillcrest Blvd., P.O. Box 188
Phillipsburg, NJ 08865
Phone: 908-859-1811
Toll Free: 800-538-1572
Fax: 908-859-2118
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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 Loan1 - $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*
Minimum N/A 4.00%

 2nd Mortgages
RATES AS LOW AS (1 - 5 yrs.)

Rate Points APR*
4.61 N/A 4.61

2nd Mortgages (6 - 10 yrs.)

Rate Points APR*
4.62 N/A 4.62

2nd Mortgages (11 - 15yrs.)
 

Rate Points APR*
4.85 N/A 4.85

2nd Mortgages (16-20 yrs.)

Rate Points APR*
4.85 N/A 4.85

   *APR = Annual Percentage Rate
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