IREFCU: Loans

Share Loans - You may borrow up to 100% of your shares (savings) for up to five years. This type of loan offers the low interest rates of any of your loans.

Signature loans - Members with one year but less than three years service with the IRS, may borrow up to $1000 on their signature. Members with more that three years service may borrow according to the following table:

Salary

Loan Limit

$20,000 - 25,000
$25,001 - 29,000
$29,001 - 34,000
$34,001 - 40,000
$40,001 - and up

$3,500
$4,500
$5,000
$6,000
$7,000
$8,000
The loan limit may be increased by $500 for each co-maker, with up to two co-makers. Loan periods may not exceed three years. Call us for the lowest availible interest rates.

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