Digital Banking

The tech you need, from the people you know.

Wherever life takes you, your money’s just an arm’s reach away. Do it all — from transfers to payments — anytime, anywhere.

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Benefits You’ll Love:

  • Total access to your accounts and loans 24/7/365
  • Download the IFCU mobile app
  • The best tools to manage your money, like Credit Score, Bill Pay, and more
  • Lock and unlock your debit card with a tap or click

Online Banking

  • Free, secure, and easy-to-use service for IFCU members
  • View Credit Score and more for FREE
  • Manage a number of banking activities anytime, anywhere with internet access: 
    • Schedule and make loan payments  
    • Transfer funds between internal and external accounts (one-time and recurring transfers)  
    • Open Sub-accounts  
    • Receive alerts  
    • Pay bills  
    • Control your cards – turn on/off your IFCU debit card if it becomes lost or stolen  
    • Apply for an IFCU loan  
    • Update contact information  
    • Find Member Center and ATM locations 

See it in action!

Bill Pay

  • Pay one-time or recurring bills with ease:
    • Schedule payments in advance
    • Set up payment reminders
    • Ensure payments are received on time
    • Have all payee information in one convenient place
    • Retain funds until paper drafts are presented for payment
  • Avoid paper clutter
  • More secure than paper billing
  • Make more time for yourself; fewer bank trips necessary
  • Print or download to popular financial management software

How to enroll in Online Banking

If you've never enrolled in Online Banking, view the following video for a short tutorial on how to enroll yourself.

You may also download a step-by-step guide for the enrollment process;

Download Step-by-Step Enrollment Instructions

Mobile Banking

  • Fast, free, and secure service for members enrolled in online banking
  • Available to IFCU members
  • Easily keep track of your finances — even on the go:
    • View account balances
    • Review history
  • Available via any web-enabled mobile device
  • Use this service in two convenient ways:
  • Save valuable time and effort; avoid an extra trip to a branch
  • Deposit a check with mobile deposit 
  • View Credit Score 
  • Schedule and make loan payments 
  • Transfer funds between internal and external accounts (one-time and recurring transfers) 
  • Open Sub-accounts 
  • Receive alerts 
  • Pay bills 
  • Control your cards – turn on/off your IFCU debit card if it becomes lost or stolen 
  • Apply for an IFCU loan 
  • Update contact information 
  • Find Member Center and ATM locations

How to enroll in Mobile Banking

Mobile Banking is a free*, secure service that allows you to check account balances, transfer funds, make loan payments, deposit checks and pay bills from your mobile device! Members must first enroll in Online Banking before logging into the mobile app.

You may also download a step-by-step guide for the enrollment process;

Download Step-by-Step Enrollment Instructions

Mobile Deposit

  • Deposit checks anytime, anywhere from your mobile phone
  • Save time, avoid unnecessary trips to a branch
  • Available for members with an IFCU checking account
  • Deposit checks from your smartphone in a few taps of your finger

Snap. Deposit. Go.

  • Mobile Check Deposit lets you deposit a check simply by taking a photo of it with your smartphone or tablet
  • Use your IFCU Mobile Banking app and select Remote Deposit from the menu —see detailed instructions in the video below
  • You must be enrolled in Online Banking to take advantage of this convenient feature

Enroll in eStatements today!

  • Fast, free, and easy alternative to paper statements
  • Easier to retrieve info when needed
  • Eliminate a paper trail
  • Reduce chances of fraud and identity theft
  • Arrive faster than paper statements
  • Simplify recordkeeping
  • Easily access past statements
  • Ability to download for permanent storage or print if needed
  • Receive email notice when new eStatement is ready

Enrollment is easy

  • Login to Online or Mobile Banking and click the Menu option
  • Online Banking users choose "Member Statements"  and scroll to the bottom and click "Show Disclosure" under — please read and click "I Agree" to be enrolled
  • Mobile Banking users choose "Documents and Statements" and scroll down and click "Statement Email Disclosure" — please read and click "OK" to be enrolled
Questions?

If you wish to have your access to Digital Banking removed, please send us a request though our Contact Us page.

*You will be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges

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%

Power up how you bank!

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