Irco Community

phillipsburg, New Jersey
Last verified: July 9, 2026

As of July 9, 2026, Irco Community offers a cd_6mo mortgage at 1.5% APR (1.5% rate, 0 points). Auto loans available from 5.49% APR. HELOC rates from 5.25% APR. Personal loan rates from 5.25% APR.

Source: RateAPI.dev, verified from Irco Community's official website

Mortgage Rates

Rates as of July 9, 2026

cd_6mo
1.500% APR
Rate1.500%
Points0
6 Month Certificate
cd_6mo
1.500% APR
Rate1.500%
Points0
Certificates - 6 Month
cd_30mo
1.550% APR
Rate1.550%
Points0
30 Month Certificate
ira_cd_30mo
1.550% APR
Rate1.550%
Points0
IRA 30 Month Certificate
cd_30mo
1.550% APR
Rate1.550%
Points0
Certificates - 30 Month
ira_cd_30mo
1.550% APR
Rate1.550%
Points0
IRA Certificates - 30 Month
cd_36mo
1.850% APR
Rate1.850%
Points0
36 Month Certificate
cd_36mo
1.850% APR
Rate1.850%
Points0
Certificates - 36 Month
cd_12mo
2.000% APR
Rate2.000%
Points0
12 Month Certificate
ira_cd_12mo
2.000% APR
Rate2.000%
Points0
IRA 12 Month Certificate
cd_12mo
2.000% APR
Rate2.000%
Points0
Certificates - 12 Month
ira_cd_12mo
2.000% APR
Rate2.000%
Points0
IRA Certificates - 12 Month
cd_60mo
2.100% APR
Rate2.100%
Points0
60 Month Certificate
cd_60mo
2.100% APR
Rate2.100%
Points0
Certificates - 60 Month
cd_18mo
2.250% APR
Rate2.250%
Points0
18 Month Certificate
cd_18mo
2.250% APR
Rate2.250%
Points0
Certificates - 18 Month
cd_24mo
2.350% APR
Rate2.350%
Points0
24 Month Certificate
cd_24mo
2.350% APR
Rate2.350%
Points0
Certificates - 24 Month
ploc_variable
6.750% APR
Rate6.750%
Points0
Line of Credit – 80% LTV

Auto Loan Rates

Rates as of July 9, 2026

auto_new
5.490% APR
Rate5.490%
New Auto - Model Year 2026
auto_new
5.740% APR
Rate5.740%
New Auto - 7,500 miles or less
auto_used
5.740% APR
Rate5.740%
Used Auto - Model Years 2020 – 2025

HELOC Rates

Rates as of July 9, 2026

heloc
5.250% APR
Rate5.250%
Home Equity - Term Loan – 80% LTV
heloc_variable
6.750% APR
Rate6.750%
Home Equity - Line of Credit – 80% LTV

Personal Loan Rates

Rates as of July 9, 2026

personal
5.250% APR
Rate5.250%
Term Loan – 80% LTV
personal_unsecured
9.990% APR
Rate9.990%
Personal/Signature Loan
personal_unsecured_36mo
9.990% APR
Rate9.990%
Personal/Signature Loan - up to 36 months
personal_unsecured_48mo
10.500% APR
Rate10.500%
Personal/Signature Loan - up to 48 months
personal_unsecured_60mo
11.500% APR
Rate11.500%
Personal/Signature Loan - up to 60 months

Frequently Asked Questions

What rates does Irco Community offer?

Irco Community currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Irco Community rates updated?

RateAPI verifies Irco Community's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Irco Community's rate data?

Rate data is collected directly from Irco Community'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's mortgage rate?

As of July 9, 2026, Irco Community offers a cd_6mo mortgage at 1.5% APR.

What is Irco Community's auto loan rate?

As of July 9, 2026, Irco Community offers auto loans from 5.49% APR.

Related Rate Data

Compare Irco Community'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 Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Irco Community
curl "https://api.rateapi.dev/credit-unions/new-jersey/irco-community" \
  -H "Authorization: Bearer YOUR_API_KEY"