NEW VEHICLE PURCHASE
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!
Refinance
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.
CREDIT CARDS
Take advantage of low variable rates with no annual fee and other features including:
CREDIT CARDS
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.
CREDIT CARDS
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!
CREDIT CARDS
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
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.
HOME LOANS
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.
HOME LOANS
Pay even less upfront with low down payments of 3% with low Private Mortgage Insurance (PMI), helping you save even more money each month.
HOME LOANS
HOME LOANS
LINE OF CREDIT
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:
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.
PERSONAL 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:
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EQUAL HOUSING OPPORTUNITY