Getting Pre-Approved

Walk in the dealership with the confidence of pre-approval

Prequalification gives you negotiating power based on the estimate of what you can borrow so there's no guesswork at the dealership

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Benefits You'll Love: 

  • Know your budget and negotiating power before starting your search
  • Quick and hassle-free pre-approval process
  • Focus on finding the perfect home
  • Access a host of resources to help throughout the process

Prequalification is an early step in your homebuying journey. When you prequalify for a home loan, you’re getting an estimate of what you might be able to borrow, based on information you provide about your finances, as well as a credit check.

List of items to provide information:

  • Copy of your driver's license
  • Last 2 years of W2 statements from your employer
  • Last 30 days worth of pay stubs
  • Last 2 months of checking/savings statements - all pages
  • Name and phone number of your landlord to verify rental payments

The following items may also be helpful if applicable:

  • Last 2 years individual tax returns - all pages and schedules
  • If you are self-employed or commissioned, please also include - Last 2 years of individual tax returns - all pages and schedules - Last 2 years corporate tax returns (if applicable), all pages and schedules
  • Divorce decree or Court Order defining alimony or child support payments
  • Last quarter (3 months) of stocks/bonds/mutual funds/401(k) - all pages
  • Information on any deferred student loans - what will the payments be when the deferment ends?
  • College transcripts (if graduated in the last 2 years)
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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%

View Details

Classic VISA Credit Card: 14.5% APR Disclosure Rates

Card Annual Percentage Rates(APR) for purchases
Classic VISA Credit Card - 14.5% 14.5%

View Details

Classic VISA Credit Card: 17.9% APR Disclosure Rates

Card Annual Percentage Rates(APR) for purchases
Classic VISA Credit Card 17.9%

View Details

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%

View Details

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%

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