Refinance Your Auto Loan and Get 1% Cash Back!
Love Your Vehicle—but Not Your Loan? Let’s Fix That.
| Loan Amount | Cash Back |
|---|---|
| $10,000 | $100 |
| $15,000 | $150 |
| $25,000 | $250 |
| $50,000 | $500 |
| >$50,000 | $500 |
Refinance and SAVE BIG!
Already have a vehicle loan? Let us help you save. Refinance your car, motorcycle, or boat loan with IFCU and we’ll meet or beat your current rate—plus get up to $500 CASH BACK!
More savings. More cash in your pocket. More reasons to refinance today.
Bring your auto, motorcycle, or boat loan to Industrial Federal Credit Union and save big! We’ll meet or beat your current rate and give you 1% cash back—up to $500—just for refinancing.
Lower Your Rate. Get Cash Back. Drive Away Happy.
Why Refinance Your Auto with IFCU?
- Guaranteed Rate Match or Better – We’ll meet or beat your current loan rate from another lender
- 1% Cash Back – Earn 1% of your loan amount in cash (up to $500)
- Lower Your Monthly Payment – Reduce your loan costs with a lower rate or extended term
- Flexible Terms – Shorten or extend your loan term to match your budget
- Optional Payment Protection Insurance – Safeguard your finances in case of unexpected life events
- Available for Autos, Motorcycles & Boats
Refinance Rates as low as 5.49% APR*
Start saving immediately with competitive rates and local service you can trust. IFCU makes refinancing easy and rewarding.
How Much Could You Save?
Use our free Auto Loan Calculator to estimate your new monthly payment and total savings. Then, apply in minutes with our fast, online application.
Ride your motorcycle loan to IFCU from another lender and we’ll meet or beat your current rate and give you 1% of the loan amount back in cash, up to $500!
Lower Your Rate. Get Cash Back. Ride Away Happy.
Why Refinance Your Motorcycle with IFCU?
- Guaranteed Rate Match or Better – We’ll meet or beat your current loan rate from another lender
- 1% Cash Back – Earn 1% of your loan amount in cash (up to $500)
- Lower Your Monthly Payment – Reduce your loan costs with a lower rate or extended term
- Flexible Terms – Shorten or extend your loan term to match your budget
- Optional Payment Protection Insurance – Safeguard your finances in case of unexpected life events
- Available for Autos, Motorcycles & Boats
Refinance Rates as low as 5.99% APR*
Start saving immediately with competitive rates and local service you can trust. IFCU makes refinancing easy and rewarding.
How Much Could You Save?
Use our free Loan Calculator to estimate your new monthly payment and total savings. Then, apply in minutes with our fast, online application.
Bring your boat loan to IFCU from another lender and we’ll meet or beat your current rate and give you 1% of the loan amount back in cash, up to $500!
Lower Your Rate. Get Cash Back. Ride Away Happy.
Why Refinance Your Boat with IFCU?
- Guaranteed Rate Match or Better – We’ll meet or beat your current loan rate from another lender
- 1% Cash Back – Earn 1% of your loan amount in cash (up to $500)
- Lower Your Monthly Payment – Reduce your loan costs with a lower rate or extended term
- Flexible Terms – Shorten or extend your loan term to match your budget
- Optional Payment Protection Insurance – Safeguard your finances in case of unexpected life events
- Available for Autos, Motorcycles & Boats
Refinance Rates as low as 6.99% APR*
Start saving immediately with competitive rates and local service you can trust. IFCU makes refinancing easy and rewarding.
How Much Could You Save?
Use our free Loan Calculator to estimate your new monthly payment and total savings. Then, apply in minutes with our fast, online application.
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*Annual Percentage Rate (APR). This promotion applies to loans for straight refinances from other institutions on new or used, autos, boats and motorcycles. No cash outs permitted. Auto, Boat Motorcycle loans must have 48 months term or greater to qualify. The 1% cash back will be directly deposited into the primary member’s share account within 30 days of loan funding. Maximum cash back payout of $500 per loan. Existing loans with IFCU do not qualify for this promotion. All loans are subject to approval and individual rates may vary based on your credit score, terms, and underwriting conditions. Your actual rate may be higher. Certain restrictions may apply. We may offer other terms and conditions connected with 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.
Auto - Rates as low as 5.49%. Payment Example: Borrow $19,500 for only $372.38 for 60 months.
2021 or newer up to 84 month terms. 2015-2020 up to 75 month terms. Minimum amount financed of $7,500. Certain mileage restrictions apply.
Boat - Rates as low as 6.99% APR*. Payment Example: Borrow $18,000 for only $271.58 for 84 months.
2015 and newer. 48-84 month terms have a minimum amount financed of $7,500. 85-120 month terms have a minimum amount financed of $10,000.
Motorcycle - Rates as low as 5.99%. Payment Example: Borrow $17,500 for only $338.24 for 60 months.
2015 or newer up to 84 month terms. 72 months or greater have a minimum amount financed of $15,000. Certain mileage restrictions apply.
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 | 7.050% APR* |
| 10 Year | 7.050% APR |
| 15 Year | 6.925% 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 | 5.725% APR* |
| 15 Year | 5.850% APR* |
| 20 Year | 6.100%APR* |
| 30 Year | 6.475% 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% |