*APR= Annual Percentage Rate.
All Credit Cards: The current Wall Street Journal prime index rate is [[iq:misc:misc-prime-index-rate.column_1]]. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum
*APR= Annual Percentage Rate.
All Credit Cards: The current Wall Street Journal prime index rate is —. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Disclosure for VISA® Signature Travel Card for Your Business
* APR = Annual Percentage Rate.
Auto Loans: Auto Loans: Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history.
*APR= Annual Percentage Rate.
HELOC - Variable Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is —. The variable rates effective as of — are —, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
Promo: Promotional waiver of closing costs pertains to all costs required to open the line of credit except for any required appraisal. If an appraisal is required, borrower will be required to pay for such appraisal, normally $775 or more. If the Home Equity Line of Credit is paid off and closed within the first 36 months, waived closing costs must be repaid to the credit union (up to $300) as fee reimbursement. Minimum loan amount is $10,000, and minimum fixed-rate conversion amount is $5,000, but there is no minimum advance requirement. Credit is subject to approval, not all applicants will qualify. Fees that occur after the line is opened, such as annual fee ($35), reconveyance fee and quit claim deed recording fees are not considered closing costs. Flood and/or property hazard insurance may be required and are also not considered closing costs. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans subject to approval of property. Promotion is valid for applications taken between March 20, 2026 and June 30, 2026 (and the loan must be funded no later than July 31, 2026). Promotional period subject to extension at Credit Union’s discretion.
Learn more about Home Equity
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may different.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
*APY= Annual Percentage Yield. All rates are subject to change.
1 Intelligent Savings: Qualifying [[iq:checking:savings-qualifying.column_2]] APY accurate as of [[iq:checking:checking-qualifying-low.title_date]]. To earn the qualified Intelligent Savings Rate, you must have an Intelligent Checking Account and meet all monthly qualifiers. If account requirements are not met, the non-qualifying rate will be [[iq:checking:savings-non-qualifying.column_2]] APY. Existing savings accounts cannot be converted to an Intelligent Savings—a new account must be opened.
2 Intelligent Checking: Qualifying [[iq:checking:checking-qualifying-low.column_2]] APY is accurate as of [[iq:checking:checking-qualifying-low.title_date]] (up to $25,000; amounts over $25,000 earn [[iq:checking:checking-qualifying-high.column_2]] APY). To earn the qualifying rate, your Intelligent Checking must meet the following monthly requirements: twelve (12) debit or credit card transactions, direct deposit of at least $100 per month, log into online banking at least once per month, and receive e-statements. If account requirements are not met, the non-qualifying rate will be [[iq:checking:checking-non-qualifying.column_2]] APY. New accounts will receive the qualifying dividend rate for the first statement cycle. All requirements must be met with transactions posted and cleared by the close of the business day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions.
3 Visa Credit Cards: The amount stated for the Visa Signature is based on 1.5% cash back on $6,000 in purchase transactions per month (with $4,000 spent in category 1, and $1,000 being spent in each category 2 and 3 per month) for the entire calendar year. Visa Platinum Cash Back is based on $5,834 in purchase transactions per month for the entire calendar year. Cash advances and balance transfers do not count towards the cash back rewards. Your actual rewards may vary. Terms subject to change at any time. Earnings listed are examples based on the parameters specified above. All accounts are subject to member qualification, with credit cards additionally subject to our underwriting standards and approval. Visit http://iqcu.com/legendary-lineup for more information.
- ** Sport RVs, which include motorcycles, ATV/UTVs, jet skis, snowmobiles, and utility and horse trailers can only be financed for the 60-month term at the associated rates.
* APR = Annual Percentage Rate.
Personal Access Line of Credit - Rate is variable and may change. Personal Access Line of Credit Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
* APR = Annual Percentage Rate.
Personal Loan - Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
