Digital Banking

The tech you need, from the people you know.

Wherever life takes you, your money’s just an arm’s reach away. Do it all — from transfers to payments — anytime, anywhere.

iPhone Android

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Benefits You’ll Love:

  • Total access to your accounts and loans 24/7/365
  • Download the IFCU mobile app
  • The best tools to manage your money, like Credit Score, Bill Pay, and more
  • Lock and unlock your debit card with a tap or click

Online and Mobile Banking

Manage your accounts securely anytime, anywhere!

Your finances don't operate on a 9-to-5 schedule, and neither should your banking. With IFCU Digital Banking, you can securely manage all your accounts, card controls, set up alerts, check your balances, transfer money, pay bills, make loan payments, apply for loans, open sub accounts, update contact info, check your credit score and more—anytime, anywhere, for free!

Download the app!

iPhone Android

Banking on the Go

The IFCU Mobile Banking app puts all of these same features right in the palm of your hand. Plus, mobile banking gives you convenient access to features designed specifically for banking on the go, including:

  • Mobile Deposit — Deposit eligible checks using your smartphone or tablet
  • Card Controls — Quickly turn your debit card on or off if it's lost, stolen, or you simply want to temporarily disable it
  • Mobile Push Notifications — Receive email or push notifications for your account activity

Bill Pay

Pay your bills quickly, securely, and all in one place.

Bill Pay is a free service included with your IFCU checking account that makes managing your monthly bills easier. View, schedule, and send payments from one secure location—so you can spend less time keeping track of bills and more time doing the things that matter.

Getting Started with Bill Pay

For security and ease of setup, you'll need to enroll in Bill Pay through IFCU Online Banking on a desktop computer or PC. Once you've completed the initial setup, you can conveniently review and send payments through the IFCU Mobile Banking app.

How to Set Up Bill Pay

  1. Sign in to IFCU Online Banking using a desktop computer or PC.
  2. Click the Menu icon in the top-left corner of the screen—the three horizontal lines.
  3. Under Services, select Bill Pay.
  4. Follow the on-screen prompts to set up your payees and begin using Bill Pay.

Once you're set up, paying bills is just a few clicks away—whether you're at home or on the go.

Simple. Secure. Convenient. That's Bill Pay from IFCU

Mobile Banking

  • Fast, free, and secure service for members enrolled in online banking
  • Available to Industrial FCU members
  • Easily keep track of your finances — even on the go:
    • View account balances
    • Review history
  • Available via any web-enabled mobile device
  • Use this service in two convenient ways:
  • Save valuable time and effort; avoid an extra trip to a branch
  • Deposit a check with mobile deposit 
  • View Credit Score 
  • Schedule and make loan payments 
  • Transfer funds between internal and external accounts (one-time and recurring transfers) 
  • Open Sub-accounts 
  • Receive alerts 
  • Pay bills 
  • Control your cards –  turn your debit card on or off if it becomes lost or stolen
  • Apply for a loan 
  • Update contact information 
  • Find Member Center and ATM locations

How to enroll in Mobile Banking

Mobile Banking is a free*, secure service that allows you to check account balances, transfer funds, make loan payments, deposit checks and pay bills from your mobile device! Members must first enroll in Online Banking before logging into the mobile app.

You may also download a step-by-step guide for the enrollment process;

Download Step-by-Step Enrollment Instructions

Mobile Deposit

  • Deposit checks anytime, anywhere from your mobile phone
  • Save time, avoid unnecessary trips to a branch
  • Available for members with an Industrial FCU checking account
  • Deposit checks from your smartphone in a few taps of your finger

Snap. Deposit. Go.

  • Mobile Check Deposit lets you deposit a check simply by taking a photo of it with your smartphone or tablet
  • Use your IFCU Mobile Banking app and select Remote Deposit from the menu —see detailed instructions in the video below
  • You must be enrolled in Online Banking to take advantage of this convenient feature

Enroll in eStatements today!

Using online banking on your desktop:

  1. Sign in to online banking.
  2. Open menu options (top left corner of the screen, click on the three lines stacked on top of each other)
  3. Under USER PROFILE, select SETTINGS
  4. Under ACCOUNT SETTINGS, select EDIT EMAIL
  5. Click on your email address and check the box next to STATEMENTS
  6. Click I AGREE to accept the terms and conditions

Using our mobile app:

  1. Sign in to our mobile app
  2. Tap the MENU in the bottom right corner
  3. Scroll down to the USER PROFILE section and tap EMAIL
  4. Either add an email address or tap on the one you currently have on your profile
  5. Make sure STATEMENTS are switched ON
Questions?

If you wish to have your access to Digital Banking removed, please send us a request though our Contact Us page.

*You will be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges

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 6.74% 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 7/31/26 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 7.300% APR
15 Year 7.175% APR*

Funds Manager

Account Type Balances Dividend Paid 7/31/26 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

Health Savings (HSA)

Account Type Balances Dividend Paid 7/31/26 APY* Minimum Balance
Health Savings Account (HSA) All 0.50% 0.50% $25.00

Home Equity Line of Credit (HELOC) Rate

Term Rates as Low as:
Variable Rate Home Equity Line of Credit (HELOC) 6.75% 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 7/31/26 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 6.100% APR*
15 Year 6.225% APR*
20 Year 6.475%APR*
30 Year 6.850% APR*
FHA Loans – (30-year rate shown) 6.350% APR*
VA Loans – (30-year rate shown) 6.350% APR*
USDA Loans – (30-year rate shown) 6.350% APR*
Jumbo Loans – (30-year rate shown) Call your Loan Office for Current Rates
Land Loans – (10-year rate shown) 7.350% APR*

Motorcycle Loan Rates

Loan Type / Term Rates as Low as:
New and Used Motorcycle 8.00% 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 7/31/26 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 7/31/26 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 3.40% 3.44%
3 Months ($250K +) ***SPECIAL*** 4.00% 4.06%
6 Months 3.60% 3.65%
12 Months  3.75% 3.80%
18 Months  3.50% 3.55%
24 Months  3.45% 3.50%
30 Months 3.50% 3.55%
36 Months 3.55% 3.60%
48 Months 3.60% 3.65%
60 Months 3.65% 3.70%

Unsecured Loan Rates

Loan Type / Term Rates as Low as:
Unsecured / Personal Loan ***SPECIAL*** 8.74% 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 5.49% APR*
New and Used Auto 61-72 months 5.49% APR*
New and Used Used Auto 73 to 78 months 5.99% APR*
New and Used Auto 79 to 84 months 6.74% 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 11.75% View Details
Select Cash Back + Rewards 14.75% 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 7/31/26 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 3.50% 3.55%
6 Months 3.70% 3.75%
12 Months 3.85% 3.91%

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