Simply tap to pay and go about your day.
Add any IFCU card to your preferred digital wallet. There’s no simpler, more secure way to pay.
Benefits You’ll Love:
- Make purchases in one step, in-person or online
- Variety of compatible wallets available
- Add cards as needed, debit or credit
- More secure than cash or checks
Add your IFCU credit or debit card to easily pay in stores, in apps and on the web.
The Apple Pay® Experience
Apple Pay is the one way to pay. It replaces your physical cards and cash with an easier, safer, more secure, and private payment method - whether you're in store, online, or sending cash to friends or family. It's money, made modern.
Simplicity.
Easier and faster than cash or cards—so you can spend less time at the register.
Security.
Apple Pay never shares your actual card number when you check out.
Convenience.
Pay in stores, in apps and online with your iPhone, iPad and Mac or Apple Watch.
Google Pay is a safe, simple and helpful way to pay and manage your money.
The Google Pay® Experience
As an Android™* user, you can now pay with your phone at more than 1 million stores across the U.S. Google Pay™ is a new mobile payment solution that offers IFCU credit and debit card holders further simplicity, security and choice when paying for things every day.
Simplicity
Send money to a friend or start a group to split expenses for dinner, bills, rent, and more. Google Pay will help you do the math and keep track of who’s paid.
Ease
Store credit cards, debit cards, transit passes, and more in Google Pay for quick, easy access right from your phone.
Track Expenses
Bring your accounts together for a clearer view of what you have, what you’ve spent, and recent activity.
Samsung Pay simplifies your transactions and is accepted virtually everywhere.
The Samsung Pay® Experience
Samsung Pay is a more secure and easy-to-use mobile payment option accepted at most stores. With multiple layers of security and authentication, Samsung Pay is a great option for when you’re on the go and want to complete a transaction quickly with your Samsung smart device.
Speed.
Complete transactions with your IFCU credit or debit card in a matter of seconds.
Confidence.
Samsung never shares your actual card number when you pay.
Versatility.
Samsung Pay is accepted virtually anywhere you can swipe a physical card.
Shop with your IFCU credit or debit card right from your watch or tracker, no phone or wallet necessary.
The Fitbit Pay® Experience
Fitbit Pay lets you make purchases right from your wrist with no phone or wallet needed! It’s accepted everywhere you can make contactless payments and protects your card information with industry-standard tokenization.
Fast.
Send money to a make purchases on the go with just a tap wherever you see the contactless payment symbol.
Simple.
You don’t need to have your wallet or smartphone with you when using Fitbit Pay.
Safe.
Fitbit never stores or shares your actual card number with merchants.
Coast through checkout just about anywhere contactless payments are accepted.
The Garmin Pay® Experience
Your Garmin device is already an important part of your everyday life, but with Garmin Pay contactless payment solution, you’ll have more uses for it than ever before. It’s the faster, more secure, convenient way to pay.
Freedom.
Contactless payments without even needing a phone with you.
Speed.
No fumbling in your pockets or with a wallet, pay with just a few taps and a hover of your wrist.
Versatility.
Available to use almost everywhere you can tap a card to pay.
Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Google Pay is a trademark of Google LLC.
Android is a trademark of Google LLC.
Samsung, Samsung Pay, Samsung Galaxy and Galaxy S are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Fitbit Pay is a registered trademark of Fitbit, Inc. and/or its affiliates in the United States and other countries.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
VISA is a registered trademark of Visa International Service Association and used under license.
Industrial Federal Credit Union does not provide, endorse or guarantee any third-party product, service, information or recommendations listed above. The third parties listed are solely responsible for their products and services, and all trademarks are the property of their respective owners.
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 |
$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 |
$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% |
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 | 7.050% 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 | 5.600% APR* |
| 15 Year | 5.725% APR* |
| 20 Year | 5.975%APR* |
| 30 Year | 6.350% APR* |
| FHA Loans – (30-year rate shown) | 6.225% APR* |
| VA Loans – (30-year rate shown) | 6.225% APR* |
| USDA Loans – (30-year rate shown) | 6.225% 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% |
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% |