Loan Rates - Indianhead Credit Union - Branch Locations in Spooner, Grantsburg and Superior Wisconsin

LOAN RATES

Auto, RV, Campers & Boat Rates

2022 & Newer

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.59%	$43.69
36 Months	4.99%	$29.97
48 Months	5.39%	$23.21
60 Months	5.59%	$19.14
66 Months	5.79%	$17.73
72-75 Months ($10,000 minimum)	6.19%	$16.11 (75 Months)
84 Months ($20,000 minimum)	6.69%	$14.94

RV’s, Campers & Boats

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
120 Month, $20k Minimum, requires 10% down	8.19%	$12.23
180 Month, $30k Minimum, requires 20% down	9.39%	$10.38

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2015–2021

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.89%	$43.82
36 Months	5.64%	$30.26
48 Months	5.99%	$23.48
60-63 Months	6.14%	$19.46 (60 Months)
72-75 Months ($10,000 minimum)	6.64%	$16.33 (75 Months)

RV’s, Campers & Boats

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
120 Month, $20k Minimum, requires 10% down	8.64%	$12.47 (120 Months)

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2014 & Older

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	6.64%	$44.61
36 Months	7.54%	$31.12
48 Months	7.79%	$24.31
60 Months	8.14%	$20.34

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Recreational Vehicles, Tractors & Motorcycles Rates

2022 & Newer

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	4.99%	$43.87
36 Months	5.74%	$30.30
48 Months	6.09%	$23.53
60-63 Months	6.24%	$19.44 (60 Months)
72-75 Months ($10,000 minimum)	6.59%	$16.30 (75 Months)
84 Months ($20,000 minimum)	7.49%	$15.33

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2015-2021

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	5.99%	$44.87
36 Months	6.74%	$30.76
48 Months	7.09%	$23.99
60-63 Months	7.24%	$19.91 (60 Months)
72-75 Months ($10,000 minimum)	7.59%	$16.79 (75 Months)

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

2014 & Older

Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
24 Months	6.99%	$44.77
36 Months	7.74%	$31.22
48 Months	8.09%	$24.46
60 Months	8.24%	$20.39

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Personal Loans

Type	Term	APR As Low As*	Monthly Payment Per $1000 Borrowed
Signature ($2,000 Maximum)	Up To 49 Months	18.00%
Signature ($2,001 Minimum)	24 Month	12.99%	$47.54
Signature ($2001 Minimum)	36 Month	13.99%	$34.17
Signature ($2001 Minimum)	48 Month	14.99%	$27.83
Signature ($2001 Minimum)	60 Month	15.99%	$24.31
Share Secured	1 Year Balloon Note	3% over dividend rate
Line of Credit		11.00%	$3.00 Per $100 Borrowed
Checking Overdraft Protection		18.00%	$3.00 Per $100 Borrowed

* Rates effective as of January 7, 2026 and subject to change.

** APR= Annual Percentage Rate
*** As low as is based on credit score
Loan rates, terms, and conditions are subject to change anytime without notice. Certain term limitation requirements may apply to certain collateral. All loans subject to collateral and credit approval.

Real Estate Loans

1st Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed
20 Year - Fixed
30 Year - Fixed

2nd Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed
20 Year - Fixed

Vacation/Second Home Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed
20 Year - Fixed
30 Year - Fixed

Land Mortgage

Term	Rate
10 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
15 Year - Fixed
20 Year - Fixed
30 Year - Fixed

Construction Loan

Term	Rate
12 Month Balloon - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4

Home Equity Line of Credit (HELOC)

Term	Rate
10 Year Draw Period / 15 Year Repayment Period - Variable	Contact the Mortgage Team for Rates 715.635.8273 option 4

Government Mortgages

Type	Term	Rate
VA	15 Year - Fixed 20 Year - Fixed 30 Year - Fixed	Contact the Mortgage Team for Rates 715.635.8273 option 4
USDA
FHA

Thanks for visiting Indianhead Credit Union, where we strive to give you excellent, professional and confidential service with a small town touch

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Support

Routing Number: 291880767

Federally Insured by NCUA and an Equal Housing Lender. We do business in accordance with the Fair Housing and Equal Credit Opportunity Act. NMLS #464571
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.
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