Your physical and financial health go hand in hand.
So ensure both are secured ahead of time with an HSA. There’s no better way to save for future medical expenses.
Benefits You’ll Love:
- Earn dividends on what you set aside
- Includes a variety of tax advantages*
- Funds roll over year after year
- No monthly service fee
- Greater personal control over healthcare management and expenses
- Prepare for qualified medical expenses
- Earn dividends above standard savings on entire balance
- Receive higher rates on larger deposits (APR remains the same; larger deposits earn higher dividends)
- An HSA provides triple tax savings:
- Tax deductions when you contribute to your account
- Tax-free earnings through investment
- Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
- Contributions are tax-free and can be made by you, your employer, or a third party
- Funds can be withdrawn at any time**
- No monthly service fee
- No minimum balance requirements
- Unused funds remain in account year after year; no "use it or lose it" policy
- Keep your HSA in your name, regardless of career or life changes
- $25 minimum deposit to open
Eligibility
Most adults who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements.
*Consult a tax advisor.
**You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 20% penalty.
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 | 7.175% APR* |
| 10 Year | 7.175% 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) | 6.725% APR* |
| VA Loans – (30-year rate shown) | 6.725% APR* |
| USDA Loans – (30-year rate shown) | 6.725% APR* |
| Jumbo Loans – (30-year rate shown) | Call your Loan Office for Current Rates |
| Land Loans – (10-year rate shown) | 7.225% 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% |