If you need a little extra cash to keep moving forward, let iQ help you take the next step with:

Low, affordable interest rates
Flexible terms to fit your budget
Convenient application process
Quick loan approvals
Loan types to fit your needs

Auto Loans

Need a New Ride? We've Got You.

NEW VEHICLE PURCHASE

Need a New Ride? We've Got You.

Ready to upgrade, downsize, or just add something new? We do everything we can to make buying a car as painless as possible, whether you’re looking for a new or used vehicle.

Start by getting pre-approved with an iQ car loan and then shop around for the perfect wheels. You can complete your financing at most local dealerships when you let them know you’ve been pre-approved—there’s no need to come into a branch to finish the process.

iQ Credit Union members can apply for an auto loan either at an iQ Credit Union branch, online, or right at the dealership!

Apply Now

Looking for a Better Deal? Refinance with iQ

Refinance

Looking for a Better Deal? Refinance with iQ

Sometimes you still love the car but hate the payments. We can help with that too. iQ offers competitive auto loan rates, so if you have a loan somewhere else, talk to us and see if we can beat it. Refinancing your auto loan with iQ could save you money and lower your monthly payments.

Apply Now

Credit Cards

Visa Platinum

CREDIT CARDS

Visa Platinum

Take advantage of low variable rates with no annual fee and other features including: 

  • No Annual Fee*
  • 24/7 Fraud Protection
  • No interest on purchases if made in full by the due date
  • Generous Grace Period for Payment

*Disclosure for Visa Platinum available here. Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.

Visa Platinum® Rewards

CREDIT CARDS

Visa Platinum® Rewards

If you've been looking for a better credit card, you just found it. At iQ, you can get the Visa Platinum Credit Card with a super low rate, plus cash! Use your card for your everyday shopping and watch your rewards grow. It's a great way to pay off old balances and save money.

  • Low rates
  • No annual fees*
  • Unlimited 1% cash back on every purchase (with Visa Platinum Rewards)
  • Enhanced security features with EMV chip technology
  • Instant issue credit cards available in retail branches

*Disclosure for Visa Platinum Rewards available here. Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.

Visa Signature® Rewards

CREDIT CARDS

Visa Signature® Rewards

With a Visa Signature card, every dollar you spend will earn you bonus points—redeemable for exciting rewards or cash back inside your online banking.

Enjoy zero cash advance or foreign transaction fees and you can link the card to your checking account for overdraft protection—just in case. Cards can be managed inside online banking so you can turn them off and on, report them lost or stolen and set travel notifications so your card is ready wherever you go.

For the first six months with your new card, take advantage of our promotional rate of 2.99% annual percentage rate (APR)* on all new purchases. Plus, if you spend $3,000 in the first 90 days, we’ll give you an extra 25,000 bonus points—because we like to spoil our members!

*Disclosure for Visa Signature Rewards available here. Rate after the six-month promotional period is a 10.24-16.24% variable rate. No annual fee for the first year and then $49 per year. Approval is subject to qualifications for iQ memberships, creditworthiness, and underwriting standards. Programs, rates, terms, and conditions are subject to change at any time without notice.

VISA Signature Rewards® for Business

CREDIT CARDS

VISA Signature Rewards® for Business

With an iQ VISA Signature® card, every dollar you spend on your business will earn you bonus points—redeemable for exciting rewards or cash back inside your online banking portal. Plus, earn extra points for travel and dining expenses.

For the first six months with your new card, take advantage of our promotional rate of 2.99% annual percentage rate (APR)* on all new purchases. Plus, if you spend $3,000 in the first 90 days, we’ll give you an extra 25,000 bonus points—because we like to spoil our business members!

*See terms and conditions by clicking here.

Home Loans

Fixed-Rate Mortgage

HOME LOANS

Fixed-Rate Mortgage

A fixed-rate mortgage is the most common mortgage loan. It is a fully amortized mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may adjust. Fixed-rate mortgages are characterized by loan amount, interest rate, and term. With these values, the monthly repayments can be calculated.

Adjustable-Rate Mortage

HOME LOANS

Adjustable-Rate Mortage

An adjustable-rate mortgage, or ARM, is a mortgage loan where the interest rate on the note periodically adjusts based on an index that reflects the cost to the lender of borrowing on the credit markets.

First Time Homebuyers

HOME LOANS

First Time Homebuyers

Pay even less upfront with low down payments of 3% with low Private Mortgage Insurance (PMI), helping you save even more money each month.

VA Loans

HOME LOANS

VA Loans

VA loans are mortgages that are backed by the Veteran's Administration. These mortgages feature low or no down payment, no private mortgage insurance requirements, limited closing costs and fees and a fixed rate.
Teachers and First Responders

HOME LOANS

Teachers and First Responders

Teachers, nurses, police officers and other community partners give so much of themselves every day. We want to show our appreciation by offering a special home purchase program just for you. It's our way of saying 'thanks'.

Personal Loans and Lines of Credit

Home Equity Line of Credit (HELOC)

LINE OF CREDIT

Home Equity Line of Credit (HELOC)

Your home is your most valuable asset. Take advantage of it by turning it into cash. iQ’s home equity combines the power of a line of credit with the security of a fixed-rate loan, giving you flexibility and peace of mind. We offer several different home equity lines of credit options to help meet your specific goals and needs. 

A home equity line of credit could be just what you need if you:

  • Are happy with your mortgage and don’t want to refinance
  • Aren’t sure how much of your home equity you will need to use
  • Want to pay off your loan faster
Personal Loan

PERSONAL LOAN

Personal Loan

We are long on personal loan options. iQ Credit Union offers a variety of short-term personal loans with rates and terms to meet your unique needs. Need a great rate? We have you covered. Looking for a consistent payment each month or prefer spending flexibility? We can help you with those too.

Loan processing is convenient and hassle-free. We even secure online loan processing using DocuSign.


Not sure what option is best for you? Talk to one of our loan officers, and they can help you find the best personal loan to meet your needs.

Share or Certificate Insured Loan

PERSONAL LOAN

Share or Certificate Insured Loan

We all need extra money once in a while, whether it’s to pay for an unforeseen expense, a car repair, home repair, to help your kids, or for that once-in-a-lifetime trip. If you need to borrow money for whatever reason, iQ can help with a Share or Certificate Insured Loan, which you can:

  • Borrow a Specific Amount & Pay Back on a Fixed Schedule
  • Generous Grace Period for Payment
  • Lowest Rate Possible by Using Your Share or Certificate as Collateral
  • Flexible Due Date

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