Earn More Checking

Maximize Your Money with Earn More Checking

High-yield checking account that pays you for using your debit card.

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Benefits You’ll Love:

  • Earn 2.00% APY* just for using your debit card1
  • Get paid up to 2 days sooner2 
  • Free credit score and monitoring
  • Lock and unlock your debit card anytime

Earn More Checking accounts are perfect for anyone looking to maximize earnings on their balance while enjoying easy access to digital banking and fee-saving options. 

  • Earn 2.00% APY* on checking account balance up to $20,000 by making at least 15 debit card transactions per month
    • In addition, balances of $20,000.01 and above will earn our current base rate 
    • 14 debit card transactions or less will earn our current base rate on all balances
  • Open an account with as little as $5
  • Early Pay
    • Get paid sooner—up to 2 days early¹ with direct deposit, when your employer sends it in.
  • Flexible Requirements
    • Easily avoid the $10 monthly maintenance fee by enrolling in eStatements, and maintaining a balance of $1,000+, and set up monthly direct deposits of $500 or more
  • 24/7 Free Digital Banking services, including:
  • Fee-Free ATM Network
  • Deposit checks from your phone with Remote Mobile Deposit
  • Overdraft Protection available
  • Receive 5 fee-free foreign (Non-IFCU) ATM transactions monthly

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*APY = Annual Percentage Yield.

1 Earn 2.00% APY* on balances up to $20,000 when you make 15 or more debit card purchases each month. If you make 14 or fewer transactions—or for any balance over $20,000—you’ll earn our standard rate. A debit card transaction is defined as a purchase made using your IFCU debit card, either in-person or online, where funds are withdrawn directly from your checking account at the time of the transaction or shortly thereafter. Debit card transactions must be posted and cleared within the qualifying period to be counted. The following do not qualify as debit card transactions: ATM withdrawals, pending or pre-authorized transactions not settled within the qualification cycle, refunds, returns, or reversals, transfers made using your debit card to digital wallets or payment platforms (e.g., Venmo, PayPal) unless used to make a direct purchase.

2 Early Pay 

Need to Dispute a Debit Card Transaction? Call (866) 906-4127

ALERT: Traveling to New York or California?
Due to increased fraud activity in these states, please use tap-to-pay or chip-based debit card transactions only.
If you plan to travel to either state, contact Card Services at 765-771-8000 to inform them of 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 6.99% APR*

Business Checking

Account Type Balances  Rate APY* Monthly Fee Activity Level Activity Level Fee
Small Business Checking $2,500 and over 0.05% 0.05% $5.001

0-50 Teller-based Transactions

51+ Teller-based Transactions


No Fee



$0.10 per teller-based transaction / $30.00 max fee per month
Organizational Checking $2,500 and over 0.05% 0.05% $5.001

0-50 Transactions

51+ Transactions


No Fee

 

$0.10 per teller-based transaction / $30.00 max fee per month

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%

Christmas Club Savings

Account Type Balances Dividend Paid 6/30/25 APY* Minimum Balance
Christmas Club Savings   0.25% 0.25% 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 7.050% APR*
10 Year 7.050% APR
15 Year 7.050% APR*

Funds Manager

Account Type Balances Dividend Paid 6/30/25 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) 7.50% 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 6/30/25 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 5.850% APR*
15 Year 5.975% APR*
20 Year 6.225%APR*
30 Year 6.600% APR*
FHA Loans – (30-year rate shown) 6.475% APR*
VA Loans – (30-year rate shown) 6.475% APR*
USDA Loans – (30-year rate shown) 6.475% APR*
Jumbo Loans – (30-year rate shown) Call your Loan Office for Current Rates
Land Loans – (10-year rate shown) 7.100% 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 Checking

Account Type Balances Dividend Paid 6/30/25 APY*
EveryDay Checking $0.01 - over 0.00% 0.00%
Earn More Checking $0.01 - $20,000 0.05% 0.05% with 0-14 debit card transactions
Earn More Checking $0.01 - $20,000 0.05% 2.00% with 15+ debit card transactions
Earn More Checking $20,000.01 - over 2.00% + 0.05% 2.00% on $0.01 - $20,000, PLUS 0.05% on $20,000.01 and over with 15+ debit card transactions
Earn More Checking $20,000.01 - over 0.05% 0.05% with 0-14 debit card transactions
Classic 55 Checking   $0.01 - over 0.10% 0.10%
Teen Checking $0.00 – $2,499.99 0.10% 0.10%
Teen Checking $2,500 and over 0.10% 0.10%
Free Share Draft Checking $2,500 and over 0.05% 0.05%
Regular Share Draft Checking $1,500 and over 0.05% 0.05%

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 6/30/25 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 3.75% 3.80%
3 Months ($250K +) ***SPECIAL*** 4.35% 4.42%
6 Months 3.85% 3.91%
12 Months  4.00% 4.06%
18 Months  3.75% 3.80%
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*** 9.49% 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 5.99% APR*
New and Used Auto 61-72 months 5.99% APR*
New and Used Used Auto 73 to 78 months 6.49% APR*
New and Used Auto 79 to 84 months 7.24% 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 12.50% View Details
Select Cash Back + Rewards 15.50% 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 6/30/25 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 3.85% 3.91%
6 Months 3.95% 4.01%
12 Months 4.10% 4.16%

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