When you need a loan--large or small--for any reason, come to Irving City Employees Federal Credit Union.

Why? Here are just a few reasons:

• Low rates: Our low, competitive rates help you get the best bargain available.  Plus, we typically give an interest rebate each year!  In 2007 we refunded 8.5% of interested paid on all member loans (except MasterCard).
• Complete loan products: With a variety of loans to choose from, we'll structure a loan plan to meet your specific needs.
• Caring professionals: We won't offer you a loan that's bad for you just to make money.

Auto Loans

If you find the process of buying a vehicle frustrating, we can help! Rates start as low as 3.4% APR (<37 months) and we'll finance up to *84 months on new vehicles.
Now tractor loans are the same low rates as vehicle loans!
On motorcycle loans pick which terms you prefer, vehicle or other secured!

Other Loan Types

Everything from motorcycles, boats to horse trailers, we have the loan to fit your needs--at rates starting as low as 6.4%. On loans over $15,000 financing may be approved for up to 84 months!  RVs may be approved for up to 144 months!

Did You Know?

* You can make your loan payments automatically through payroll deduction! If you work for the City of Irving, you can have your loan payments taken automatically out of your check each payday.

* All ICEFCU loans are based on Simple Interest Method of Interest Calculation: This is the best interest calculation method for the borrower as interest is paid only on the decreasing monthly balance. There are no pre-payment penalties with CU loans, so interest is paid only for how long the funds are borrowed.

* We service your loan. If you have a question, you can get an answer right away!

* Low cost disability and credit life insurance are available.

* We’re here to save you money! Since the credit union is a financial cooperative, you, our members, by your deposits/savings, provide the pool of funds that we in turn loan back to our members borrowing funds. The interest made from loans (along with income from investments, etc.) and after deducting operating expenses is returned to the membership in the form of dividends on deposits and services.

* Payments will be rounded up to the next whole dollar amount

* Late Charge: $5 per monthly payment on every payment over 10 days past due

* ICEFCU does not make Commercial/Business Loans