Overdraft Privilege

ODP — Under the radar and in the clear of unwanted fees

Even if you think you'll never overdraw your checking account, gain extra peace of mind with automatic overdraft protection.

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Benefits You'll Love

  • Avoid the embarrassment of a returned check
  • Avoid unnecessary merchant fees
  • Free service for IFCU members
  • Easy to request and take advantage of
  • Available to all IFCU members
  • Easily avoid overdraft fees
  • Eliminate returned check fees
  • Conveniently back purchases with your other IFCU accounts

Getting Overdraft Privilege is easy!

Overdraft Privilege (ODP) is a courtesy service  and must be specifically requested by an IFCU member. Please consult with an IFCU representative to learn more about the specific terms involved with IFCU's Overdraft Privilege services as certain fees and conditions may apply.*

 

When you write a check that causes your account to go negative, IFCU will pay the check on your behalf up to the ODP limit. You then deposit the funds to cover the amount of the overdraft plus the ODP per item fee. ODP eliminates the cost and hassle of having checks returned to merchants.

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*Refer to IFCU's Membership & Account Agreement Disclosures or call (765) 771-8000.

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 7.175% 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%

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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