Other Loan Types:

If we can put a value on it, we'll probably loan on it!

Plus, each year we thank you for your loan business with an **interest rebate!   The interest rebate for 2019 was 10%!

Call your loan officer directly or click here to apply:

Maria: 972-457-1844
Jeff:    972-457-1855
Gayla: 972-457-1811

New/used Boats, Jet Skis, etc.

Rates as low as 4.39% APR* for 36 months & 5.39% APR* for 37-84 months!

$15,000 minimum loan balance to go 84 months. Amount loaned based on value of collateral.  Get GAP coverage through us for more savings!  Only $442 on boats less than $15,000 and only $395 on Jetskis!  






RV's/Motor Homes/5th Wheels:

Rates as low as 4.39% APR* for up to 36 months & as low as 5.39% APR* for up to 144 months may be approved.

(20% cash down usually required.)
Get GAP coverage on Motor Homes with original balance under $15,000 for only $518 & on Travel Trailers under $15,000 for only $442!  Low rates available for loan balances over $15,000, just ask your loan officer.


As low as 2.49% for up to 36 months; as low as 2.69% for up to 60 months; and as low as 2.79% for 72 months! Our GAP coverage is only $395 on Motorcycles and ATV's!



 $50,000 minimum for land loans




We have partnered with
MemberHomeLoan, LLC
to offer land/lot and
residential mortgage loans.
Apply online by clicking
the link to the right.




Low rates, starting   
as low as  4.39% APR!




Horse Trailers:

Rates as low as 4.39% APR* for 36 months and 5.39% APR* for 37-84 months.

Minimum $15,000 loan balance for 84
month term.

Yes, we'll even make you a loan for the horse!  (personal loan rates & terms.)



Rates as low as 4.39% APR*.

Amount loaned based on value of collateral.

Up to 72 months may be approved.
We offer GAP coverage for only $395!



blue sky with clouds that show images of house/family, car dollar sign  

Personal Loans:

Have you heard?  With our personal loan rate special, you may qualify for a personal loan as low as 3.9% APR*!   How?  Just borrow a minimum of $1,000 and and we'll reduce your personal loan rate by 1% per secured loan you have with us up to 2%! Perfect for your holiday cash needs and much better than using credit cards!
Don't get "ripped off" with a payday or title loan, we make personal loans for as little as $1,000. 

Term Share Certificate Secured:

Use your own Term Share Certificate as collateral with an interest rate of only 1% APR* above the dividend rate of the certificate.

Term will equal remaining term of certificate.



Share Secured:

Use your regular share/savings as collateral with an interest rate of only 1% APR* above the current share rate for 24 months and 2% APR* above the current share rate for 36 months.


We make student loans and may be able to refinance student loans you may now have!

Click on the graduation cap link or call 800-373-0799 for more info.

*APR = Annual Percentage Rate

**Interest rebates are paid 12/31 of each year on all loans except Student loans, Mastercard, real estate loans through MemberHomeLoan and loans in default or bankruptcy.  Members that have caused the credit union a loss will also not receive the finance charge rebate.  Effective 2019:  Members who are delinquent on their icefcu Mastercard 2 months or more, will not receive the finance charge rebate on any of their icefcu loans.

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