The perks you need, the flexibility want.
Earn competitive dividends on lower balances, while accessing the essentials you get from Free Share Draft checking.
Benefits You’ll Love:
- Earn dividends on balances over $1,500
- No monthly fees ($350 minimum balance required)
- Free digital banking and bill pay
- One free box of checks each year with direct deposit
EARLY PAY
Your paycheck just figured out time travel!
Wish you could fast-forward time to get your paycheck sooner? With Early Pay, you can access your payroll up to two days1 in advance! Just set up direct deposit with your employer into an IFCU Checking or Savings Account.
- Access the same benefits as free checking but with increased flexibility
- Earn competitive dividends on balances of $1,500 or more
- No monthly fees if balance of $350 or better is maintained
- Unlimited check-writing
- Receive a free box of checks each year with direct deposit
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking
- Free eStatements
- Overdraft Privilege available
- Free IFCU debit card
- Access to the nationwide Alliance One Network ATMs
- No minimum deposit to open
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Need to Dispute a Debit Card Transaction? Call (866) 906-4127
ALERT: Debit Card transactions in the states of New York and California, have been blocked due to high fraud activity. If you plan to be traveling to any of these states, please call Card Services at 765-771-8000 to let them know your travel dates.
If traveling to Mexico, only card present transactions will be accepted due to fraud. Your card will be declined if the transaction is over the internet or phone, or key entered.
To reorder Deluxe checks: 1-877-838-5287 or Order Checks Online. If you are eligible for a free box of checks with direct deposit into your personal account, you must order directly through the Credit Union. Please call or visit your nearest branch office.
2nd Mortgage Rate
| Term | Rates as Low as: |
|---|---|
| IFCU can help you with your 2nd Mortgages | Call for details |
Boats & Watercraft Loans
| Loan Type / Term | Rates as Low as: |
|---|---|
| Boats & Watercraft | 8.99% APR* |
Campers/ATV/Snowmobiles/Trailers
| Loan Type / Term | Rates as Low as: |
|---|---|
| Campers/ ATV/ Snowmobiles/ Trailers | 8.99% APR* |
Checking & Savings Rates
| Account Type | Balances | Dividend Paid 3/31/23 | APY* |
|---|---|---|---|
| Regular & Special Savings (Minimum balance to open is $5.00. Dividends are compounded and paid quarterly) | $350-$24,999 | 0.10% | 0.10% |
| $25,000 and over | 0.10% | 0.10% | |
| Youth Savings (Minimum balance to open is $5.00. Dividends are compounded and paid quarterly) | $0.01-$24,999 | 0.15% | 0.15% |
| $25,000 and over | 0.15% | 0.15% | |
| Christmas Club Savings (No minimum balance. Dividends are compounded and paid quarterly) | 0.10% | 0.10% |
| Account Type | Balances | Dividend Paid 5/31/23 | APY* |
|---|---|---|---|
| Free Share Draft Checking (No minimum opening balance. Dividends are compounded and paid monthly) | $2,500 and over | 0.05% | 0.05% |
| Regular Share Draft Checking (Minimum balance to open is $5.00.) | $1,500 and over | 0.05% | 0.05% |
| Teen Checking (No minimum balance to open.) | $0.00 – $2,499 | 0.10% | 0.10% |
| $2,500 and over | 0.10% | 0.10% | |
| Funds Manager (Minimum balance to open is $2500.00. Dividends are compounded and paid monthly.) | <$2,500 | 0.00% | 0.00% |
| $2,500 – 10,000.99 | 1.00% | 1.01% | |
| $10,001 – 24,999.99 | 1.10% | 1.11% | |
| $25,000 – 99,999.99 | 1.30% | 1.31% | |
| $10,0000 – 249,999.99 | 1.85% | 1.87% | |
| $250,000 and over | 2.25% | 2.27% | |
| Individual Retirement Account (IRA) (Dividends are compounded and paid monthly. $500 minimum balance to open account or $25 minimum balance with Payroll Deduction.) | All | 0.75% | 0.75% |
Checking Rates
| Account Type | Balances | Dividend Paid 10/31/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Free Share Draft Checking | $2,500 and over | 0.05% | 0.05% | No minimum balance. |
| Regular Share Draft Checking | $1,500 and over | 0.05% | 0.05% | $5.00 |
| Teen Checking | $0.00 – $2,499 | 0.10% | 0.10% | No minimum balance. |
Teen Checking |
$2,500 and over | 0.10% | 0.10% | No minimum balance. |
Christmas Club Savings
| Account Type | Balances | Dividend Paid 9/30/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Christmas Club Savings | 0.10% | 0.10% | No minimum balance. |
Classic Visa Credit Card: 11.5% APR Disclosure Rates
| Card | Annual Percentage Rates(APR) for purchases |
|---|---|
| Classic Visa Credit Card - 11.5% | 11.5% |
Classic VISA Credit Card: 14.5% APR Disclosure Rates
| Card | Annual Percentage Rates(APR) for purchases |
|---|---|
| Classic VISA Credit Card - 14.5% | 14.5% |
Classic VISA Credit Card: 17.9% APR Disclosure Rates
| Card | Annual Percentage Rates(APR) for purchases |
|---|---|
| Classic VISA Credit Card | 17.9% |
Fixed-Rate Home Equity Rate
| Term | Rates as Low as: |
|---|---|
| 5 Year | 7.300% APR* |
| 10 Year | 7.425% APR* |
Funds Manager
| Account Type | Balances | Dividend Paid 10/31/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Funds Manager | <$2,500 | 0.00% | 0.00% | $2,500.00 |
Funds Manager |
$2,500 – 10,000.99 | 1.00% | 1.01% | $2,500.00 |
Funds Manager |
$10,001 – 24,999.99 | 1.10% | 1.11% | $2,500.00 |
Funds Manager |
$25,000 – 99,999.99 | 1.30% | 1.31% | $2,500.00 |
Funds Manager |
$100,000 – 249,999.99 | 1.85% | 1.87% | $2,500.00 |
Funds Manager |
$250,000 and over | 2.25% | 2.27% | $2,500.00 |
Home Equity Line of Credit (HELOC) Rate
| Term | Rates as Low as: |
|---|---|
| Variable Rate Home Equity Line of Credit (HELOC) | 7.75% APR* |
Home Improvement Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| Home Improvement Loan | 8.99% APR* |
HVAC Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| HVAC Loan | 8.24% APR* |
Individual Retirement Account (IRA)
| Account Type | Balances | Dividend Paid 10/31/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Individual Retirement Account (IRA) | All | 0.75% | 0.75% | $500 or $25 with Payroll Deduction. |
Mortgage Rates
| Rates are subject to change without notice. | Rates as Low as: |
|---|---|
| 10 Year | 6.350% APR* |
| 15 Year | 6.475% APR* |
| 20 Year | 6.850% APR* |
| 30 Year | 7.225% APR* |
| FHA Loans – (30-year rate shown) | 6.600% APR* |
| VA Loans – (30-year rate shown) | 6.600% APR* |
| USDA Loans – (30-year rate shown) | 6.600% APR* |
| Jumbo Loans – (30-year rate shown) | Call your Loan Office for Current Rates |
| Land Loans – (10-year rate shown) | 7.475% APR* |
Motorcycle Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| New and Used Motorcycle | 8.50% APR* |
Overdraft Protection Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| Overdraft Protection Loans | Rate for ALL NEW ODP Loans: 18% |
Personal Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| Unsecured / Personal Loan ***SPECIAL*** | 9.99% APR* |
| Home Improvement Loan | 8.99% APR* |
| HVAC Loan | 8.24% APR* |
| Overdraft Protection Loans | Rate for ALL NEW ODP Loans: 18% |
| Loans Secured by Share Certificate | 2.00% above Share Certificate Rate** |
| Loans Secured by Savings | 3.00% APR* |
| Other Secured Loans | 8.24% APR* |
Regular & Special Savings
| Account Type | Balances | Dividend Paid 9/30/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Regular & Special Savings | $350-$24,999 | 0.10% | 0.10% | $5.00 |
Regular & Special Savings |
$25,000 and over | 0.10% | 0.10% | $5.00 |
Savings Rates
| Account Type | Balances | Dividend Paid 6/30/23 | APY* | Minimum Balance |
|---|---|---|---|---|
| Regular & Special Savings | $350-$24,999 | 0.10% | 0.10% | $5.00 |
Regular & Special Savings |
$25,000 and over | 0.10% | 0.10% | $5.00 |
| Youth Savings | $0.01-$24,999 | 0.15% | 0.15% | $5.00 |
Youth Savings |
$25,000 and over | 0.15% | 0.15% | $5.00 |
| Christmas Club Savings | 0.10% | 0.10% | No minimum balance. | |
| Funds Manager | <$2,500 | 0.00% | 0.00% | $2500.00 |
Funds Manager |
$2,500 – 10,000.99 | 1.00% | 1.01% | $2500.00 |
Funds Manager |
$10,001 – 24,999.99 | 1.10% | 1.11% | $2500.00 |
Funds Manager |
$25,000 – 99,999.99 | 1.30% | 1.31% | $2500.00 |
Funds Manager |
$10,0000 – 249,999.99 | 1.85% | 1.87% | $2500.00 |
Funds Manager |
$250,000 and over | 2.25% | 2.27% | $2500.00 |
| Individual Retirement Account (IRA) | All | 0.75% | 0.75% | $500 or $25 with Payroll Deduction. |
Secured Loans
| Loan Type / Term | Rates as Low as: |
|---|---|
| Loans Secured by Share Certificate | 2.00% above Share Certificate Rate** |
| Loans Secured by Savings | 3.00% APR* |
| Other Secured Loans | 8.99% APR* |
Share Certificates Rates
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 4.00% | 4.06% |
| 3 Months ($250K +) ***SPECIAL*** | 4.60% | 4.68% |
| 6 Months | 4.10% | 4.16% |
| 12 Months | 4.25% | 4.32% |
| 18 Months | 4.00% | 4.06% |
| 24 Months | 3.70% | 3.75% |
| 30 Months | 3.75% | 3.80% |
| 36 Months | 3.80% | 3.85% |
| 48 Months | 3.85% | 3.91% |
| 60 Months | 3.90% | 3.96% |
Unsecured Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| Unsecured / Personal Loan ***SPECIAL*** | 8.99% APR* |
Vehicle & Consumer Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| New and Used Auto up to 36 months | 6.49% APR* |
| New and Used Auto 37-72 months | 6.49% APR* |
| New and Used Used Auto 73 to 78 months | 7.49% APR* |
| New and Used Auto 79 to 84 months | 7.99% APR* |
| New and Used Motorcycle | 7.25% APR* |
| Campers/ ATV/ Snowmobiles/ Trailers | 8.24% APR* |
| Boats & Watercraft | 8.74% APR* |
| Unsecured / Personal Loan ***SPECIAL*** | 9.99% APR* |
| Home Improvement Loan | 8.99% APR* |
| HVAC Loan | 8.24% APR* |
| Overdraft Protection Loans | Rate for ALL NEW ODP Loans: 18% |
| Loans Secured by Share Certificate | 2.00% above Share Certificate Rate** |
| Loans Secured by Savings | 3.00% APR* |
| Other Secured Loans | 8.24% APR* |
Vehicle Loan Rates
| Loan Type / Term | Rates as Low as: |
|---|---|
| New and Used Auto up to 60 months | 6.24% APR* |
| New and Used Auto 61-72 months | 6.24% APR* |
| New and Used Used Auto 73 to 78 months | 6.74% APR* |
| New and Used Auto 79 to 84 months | 7.49% APR* |
Visa Credit Cards
| Card | Annual Percentage Rates (APR) for purchases | Disclosures and Fees |
|---|---|---|
| Fixed-Rate Classic | 11.50%, 14.50% and 17.90% | View 11.50% Details View 14.50% Details View 17.90% Details |
| Platinum Cash Back + Rewards | 12.75% | View Details |
| Select Cash Back + Rewards | 15.75% | View Details |
Visa Select Credit Card
| Card | Annual Percentage Rates (APR) for purchases |
|---|---|
| Visa Select Credit Card | 16.50% |
Youth Savings
| Account Type | Balances | Dividend Paid 9/30/24 | APY* | Minimum Balance |
|---|---|---|---|---|
| Youth Savings | $0.01-$24,999 | 0.15% | 0.15% | $5.00 |
Youth Savings |
$25,000 and over | 0.15% | 0.15% | $5.00 |
Youth Share Certificates Rates
Introducing long-term savings for young members!
Watch their savings grow. Guaranteed Returns. You read that right, guaranteed! Once you lock in your rate it won’t change. Share certificates are a type of credit union savings account similar to CDs, offered at banks. They usually offer higher yields than regular savings accounts; in exchange, you leave your money in the account for a specified amount of time.
Benefits and Features
- Available to members ages 17 & younger
- Minimum deposit of $50
- Maximum original principle balance of $5,000
- Terms available are 3, 6, and 12 month terms
- Higher rates than our non-youth share certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 4.10% | 4.16% |
| 6 Months | 4.20% | 4.27% |
| 12 Months | 4.35% | 4.42% |