IFCU Visa Credit Cards

Endless perks, in the palm of your hand.

Convenience, low rates, rewards, cash back — there are so many reasons to get yourself an IFCU Visa® credit card.

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Benefits You’ll Love:

  • Competitive rates and no annual fees
  • Fixed-rate, cash back, and rewards card options available
  • Includes extra benefits like travel insurance
  • Secured by an EMV chip

Enjoy the confidence and consistency of a steady rate with no surprises. 

  • Our fixed-rate card option for simpler spending
  • Boosted purchasing power online and offline
  • Powered by Visa® and accepted practically anywhere
  • Rates currently 11.5%, 14.5% and 17.9% APR*
  • No annual fee and a minimum credit limit of $1,000
  • Add to your digital wallet
  • Tap your card to pay at contactless payment terminals
  • Manage your card with the IFCU credit card mobile app
  • Up to $100,000 of free travel accident & baggage delay insurance
  • Quickly replace your card if lost or stolen
  • 24/7 Fraud monitoring

Rewards to use the way you want. Use your rewards points for a variety of great offers including travel, merchandise, and even cash!

  • Our cash back card option for more rewarding spending
  • Enjoy our Platinum 3-2-1 Rewards:
    • 3X points on Amazon purchases. Applies to the first $2,500 spent. (July 1, 2025 - Sept. 30, 2025) 
    • 2X points on all gas purchases purchases and all EV charging stations (for electric vehicles) for the entire year of 2025. Applies to the first $5,000 spent.
    • 1X point for all other purchases
  • Redeem your rewards points for cash, travel, merchandise, gift cards, and more
  • Boosted purchasing power online and offline
  • Powered by Visa® and accepted practically anywhere
  • Rate is currently 12.50% APR*
  • No annual fee and a minimum credit limit of $5,000
  • Add to your digital wallet
  • Tap your card to pay at contactless payment terminals
  • Manage your card with the IFCU credit card mobile app
  • Up to $400,000 of free travel accident & baggage delay insurance
  • Quickly replace your card if lost or stolen
  • 24/7 Fraud monitoring

Earn the rewards you want — while accessing extra perks like 2,500 bonus points for spending $500 within the first 90 days of activation!

  • Earn cash back for different types of purchases
  • Enjoy our Select 3-2-1 Rewards:
    • 3X points on Amazon purchases. Applies to the first $2,500 spent. (July 1, 2025 - Sept. 30, 2025) 
    • 2X points on restaurant dining and food delivery (Door Dash, GrubHub, UberEats, Postmates, etc.)
    • 1X point for all other purchases
  • Redeem your rewards points for cash, travel, merchandise, gift cards, and more
  • Boosted purchasing power online and offline
  • Powered by Visa® and accepted practically anywhere
  • Rate is currently 15.50% APR*
  • No annual fee and a minimum credit limit of $2,500
  • Add to your digital wallet
  • Tap your card to pay at contactless payment terminals
  • Manage your card with the IFCU credit card mobile app
  • Up to $400,000 of free travel accident & baggage delay insurance
  • Quickly replace your card if lost or stolen
  • 24/7 Fraud monitoring
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Questions?

Find More Ways to Use your Card

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Mobile APP

Use the power of your smart phone to gain full access of your Visa®. Do more with your card when you download the IFCU mobile app.

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Redeem Points

Turn your balance into rewards that you can spend. Take a trip or spend it all on Amazon, let your Visa rewards take care of it.

See My Reward Points

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Make a Payment

With IFCU's safe and secure online payment system, you can easily make a payment from anywhere.

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Classic Card Disclosure: *Annual Percentage Rate (APR). Credit card approval depends on creditworthiness and other qualifications. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 765-771-8000 option 1 to talk to a consumer loan specialist for current rates, terms and conditions.

Platinum Card Disclosure: *The Annual Percentage Rate (APR) is the Credit Union’s current rate as of May 1, 2025. This APR will vary with the market based on the Prime Rate and is adjusted monthly. It is determined by adding 5% to the highest U.S. prime rate published in The Wall Street Journal “Money Rates” table on the 15th business day of the month. The rate is effective on the first day of the billing cycle. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. IFCU does not determine how merchants are classified, but they are generally classified based upon the merchant’s primary line of business. The triple and double points category are good for the first $5,000 spent and then one point thereafter. We reserve the right to determine which purchases qualify for this offer. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 765-771-8000 option 1 to talk to a consumer loan specialist for current rates, terms and conditions. 

Select Card Disclosure: *The Annual Percentage Rate (APR) is the Credit Union’s current rate as of May 1, 2025. This APR will vary with the market based on the Prime Rate and is adjusted monthly. It is determined by adding 8% to the highest U.S. prime rate published in The Wall Street Journal “Money Rates” table on the 15th business day of the month. The rate is effective on the first day of the billing cycle. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. IFCU does not determine how merchants are classified, but they are generally classified based upon the merchant’s primary line of business. Must spend at least $500 within the first 90 days of card activation in order to receive an additional 2500 bonus points. The triple points category is good for the first $5,000 spent and then one point thereafter. We reserve the right to determine which purchases qualify for this offer. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 765-771-8000 option 1 to talk to a consumer loan specialist for current rates, terms and conditions. 

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 7.175% 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%

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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