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

37,000 SURCHARGE-FREE
ATM SEARCH

Loans	Rate	APR*	Term
Certificate Secured - Contact Savings Dept. for details
New Car - 100% Financing
- 1 to 6 year term	5.74	5.74	72	Calculator
- 7 year term (minimum $25,000)	6.99	6.99	84	Calculator
New Car - 80% Financing
- 1 to 6 year term	5.50	5.50	72	Calculator
- 7 year term (minimum $25,000)	6.75	6.75	84	Calculator
Used Car - 1 to 5 year term	5.99	5.99	60	Calculator
- 6 year term (minimum $20,000)	6.24	6.24	72	Calculator
New Motorcycles - 1 to 4 years	6.24	6.24	48	Calculator
Used Motorcycle	6.99	6.99	36	Calculator
Personal / Signature Loan				Calculator
$10,000 maximum	11.99	11.99	60	Calculator
$15,000 maximum	13.99	13.99	72	Calculator
$15,000 maximum	14.99	14.99	84	Calculator
Discount of ½% w/auto transfer from IRCO Checking Account
Share Secured	4.65	4.65	144	Calculator
VISA Credit Card	10.90	10.90	n/a	Calculator
				Calculator

*APR = Annual Percentage Rate
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2nd Mortgage (16-20 yrs.)

Rate Points APR*

6.50 N/A 6.50

*APR = Annual Percentage Rate
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Savings
Rate

APY*
Term

Share Savings Account 0.20 0.20 n/a

Club Accounts 0.20 0.20 n/a

IRA Share Savings Account (Traditional or Roth) 0.25 0.25 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. 0.25 0.25 3

6 Month $500 min. 0.45 0.45 6

6 Month $10,000 min. 0.60 0.60 6

9 Month $500 min. 0.75 0.75 9

12 Month $500 min. 0.95 0.95 12

12 Month $10,000 min. 1.05 1.05 12

30 Month $500 min. 1.90 1.71 30

60 Month $500 min. 2.50 2.52 60

IRA 12 Month $500 min. 1.05 1.05 12

IRA 30 Month $500 min. 1.70 1.71 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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