Irco Community Credit Union
Verified rate book
Current Irco Community Credit Union rates
32 published offers verified as of August 4, 2026.
Mortgage rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| FHA 30-Year Fixed30 year fixed | 6.427% APR | 6.427% | — | Standard |
| 30-Year Fixed30 year fixed | 6.933% APR | 6.933% | — | Standard |
| 15-Year Fixed15 year fixed | 6.544% APR | 6.544% | — | Standard |
| 10-Year Fixed10 year fixed | 6.788% APR | 6.788% | — | Standard |
| 20-Year Fixed20 year fixed | 7.116% APR | 7.116% | — | Standard |
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month Auto Loan (2026)auto_any_48mo | 5.490% APR | 5.490% | 48 mo | Standard |
| 48-Month Auto Loan (2020–2025)auto_any_48mo | 5.740% APR | 5.740% | 48 mo | Standard |
| 60-Month Auto Loan (2020–2025)auto_any_60mo | 5.990% APR | 5.990% | 60 mo | Standard |
| 72-Month Auto Loan (2020–2025)auto_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard |
Personal loan rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Term Loan – 80% LTV (1-3 years)personal_unsecured_36mo | 5.250% APR | 5.250% | 36 mo | Standard |
| Term Loan – 80% LTV (4-5 years)personal_unsecured_60mo | 5.750% APR | 5.750% | 60 mo | Standard |
| Term Loan – 80% LTV (6-8 years)personal_unsecured_96mo | 6.250% APR | 6.250% | 96 mo | Standard |
| Term Loan – 80% LTV (9-10 years)personal_unsecured_120mo | 6.500% APR | 6.500% | 120 mo | Standard |
| Term Loan – 80% LTV (11-15 years)personal_unsecured_180mo | 7.000% APR | 7.000% | 180 mo | Standard |
| Term Loan – 80% LTV (16-20 years)personal_unsecured_240mo | 7.500% APR | 7.500% | 240 mo | Standard |
| Personal/Signature Loanpersonal_unsecured_36mo | 9.990% APR | 9.990% | 36 mo | Standard |
| Personal/Signature Loanpersonal_unsecured_48mo | 10.500% APR | 10.500% | 48 mo | Standard |
| Personal/Signature Loanpersonal_unsecured_60mo | 11.500% APR | 11.500% | 60 mo | Standard |
Savings & CD rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Club Accountsavings | 0.07% APY | 0.07% | — | Specialty offer |
| Savingsshare_savings | 0.07% APY | 0.07% | — | Standard |
| IRA Share Savings Account (Traditional or Roth)ira | 0.07% APY | 0.07% | — | Standard |
| Return to Top (6 Month)cd_6mo | 1.50% APY | 1.50% | 6 mo | Standard |
| Return to Top (30 Month)cd_30mo | 1.55% APY | 1.55% | 30 mo | Standard |
| Return to Top (IRA 30 Month)ira | 1.55% APY | 1.55% | 30 mo | Standard |
| Return to Top (36 Month)cd_36mo | 1.85% APY | 1.85% | 36 mo | Standard |
| Return to Top (IRA 12 Month)ira | 2.00% APY | 2.00% | 12 mo | Standard |
| Return to Top (12 Month)cd_12mo | 2.00% APY | 2.00% | 12 mo | Standard |
| Return to Top (60 Month)cd_60mo | 2.10% APY | 2.10% | 60 mo | Standard |
| Return to Top (18 Month)cd_18mo | 2.25% APY | 2.25% | 18 mo | Standard |
| Return to Top (24 Month)cd_24mo | 2.35% APY | 2.35% | 24 mo | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 7,500 Miles Or Lessother | 5.740% % | 5.740% | — | Standard |
| 15-Year Draw Period 15-Year Repaymentother | 6.750% % | 6.750% | — | Standard |
As of August 4, 2026, Irco Community Credit Union offers a 30-year fixed mortgage at 6.427% APR. Auto loans available from 5.49% APR for 48 months. Personal loan rates from 5.25% APR. Savings and certificate yields up to 2.35% APY.
Source: RateAPI.dev, verified from Irco Community Credit Union's official website
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About Irco Community Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 6.2K
- Assets
- $94.6M
- Founded
- 1966
- Locations reported
- 2
- NCUA charter
- 17395
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Irco Community Credit Union
Membership eligibility from Irco Community Credit Union's own published criteria. How we verify this.
Community charter: live/work in Northampton, Lehigh, NJ, PA
- LocationNorthampton, Lehigh — NJ, PA
Cost to join: About $5.
Verified from Irco Community Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Irco Community Credit Union?
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Frequently Asked Questions
What rates does Irco Community Credit Union offer?
Irco Community Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Irco Community Credit Union rates updated?
RateAPI verifies Irco Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Irco Community Credit Union's rate data?
Rate data is collected directly from Irco Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Irco Community Credit Union's mortgage rate?
As of August 4, 2026, Irco Community Credit Union offers a 30-year fixed mortgage at 6.427% APR.
What are Irco Community Credit Union's auto loan rates?
As of August 4, 2026, Irco Community Credit Union offers auto loans from 5.49% APR.
What is Irco Community Credit Union's personal loan rate?
As of August 4, 2026, Irco Community Credit Union offers personal loans from 5.25% APR.
What is Irco Community Credit Union's best CD rate?
As of August 4, 2026, Irco Community Credit Union offers savings and certificate (CD) yields up to 2.35% APY.
Related Rate Data
Compare Irco Community Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Irco Community Credit Union
curl "https://api.rateapi.dev/credit-unions/new-jersey/irco-community" \
-H "Authorization: Bearer YOUR_API_KEY"