APY = Annual Percentage Yield. Rates effective as of July 2, 2025. Fees may reduce earnings.
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* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Motorcycle Loan Rates Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| New and Used Motorcycle | 8.50% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Campers/ATV/Snowmobiles/Trailers Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| Campers/ ATV/ Snowmobiles/ Trailers | 8.99% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Boats & Watercraft Loans Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| Boats & Watercraft | 6.99% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 1 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Unsecured Loan Rates Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| Unsecured / Personal Loan ***SPECIAL*** | 9.49% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Visa Credit Cards Back to Top Learn More
| 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 |
Home Improvement Loan Rates Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| Home Improvement Loan | 8.99% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
HVAC Loan Rates Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| HVAC Loan | 8.24% APR* |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Overdraft Protection Loan Rates Back to Top
| Loan Type / Term | Rates as Low as: |
|---|---|
| Overdraft Protection Loans | Rate for ALL NEW ODP Loans: 18% |
Rates like this are too good to pass up. Call (765) 771-8000 Opt. 2 and get pre-approved for a loan in as little as 10 minutes! It’s that simple.
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Secured Loans Back to Top
| 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* |
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
**As an example, if your current Share Certificate term is 36 months at 3.35%, the resulting APR of 5.35% will be used, which is subject to change. Click here for current rates.
Mortgage Rates Back to Top Learn More
| 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* |
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
2nd Mortgage Rate Back to Top
| Term | Rates as Low as: |
|---|---|
| IFCU can help you with your 2nd Mortgages | Call for details |
Fixed-Rate Home Equity Rate Back to Top Learn More
| Term | Rates as Low as: |
|---|---|
| 5 Year | 7.175% APR* |
| 10 Year | 7.050% APR |
| 15 Year | 7.050% APR* |
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Home Equity Line of Credit (HELOC) Rate Back to Top Learn More
| Term | Rates as Low as: |
|---|---|
| Variable Rate Home Equity Line of Credit (HELOC) | 7.50% APR* |
*Annual Percentage Rate (APR). 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 and conditions may apply. We may offer other terms and conditions connected with this offer. There may be other costs associated with some loans. Rates are subject to change without notice. Contact IFCU at (765) 771-8000 for more information.
Personal Checking Back to Top
| 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% |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Business Checking Back to Top Learn More
| 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 |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
1.$5.00 monthly fee waived with a balance of $2,000 or more and eStatements
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Regular & Special Savings Back to Top
| 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 |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Youth Savings Back to Top
| 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 |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Christmas Club Savings Back to Top
| Account Type | Balances | Dividend Paid 6/30/25 | APY* | Minimum Balance |
|---|---|---|---|---|
| Christmas Club Savings | 0.25% | 0.25% | No minimum balance. |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Funds Manager Back to Top
| 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 |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Individual Retirement Account (IRA) Back to Top
| 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. |
* Annual Percentage Yield (APY); assumes that dividends remain in the account until maturity.
†Fees may reduce the earnings on your account. Please call (765) 771-8000 for more information.
Share Certificates Rates Back to Top Learn More
| 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% |
* Annual Percentage Yield (APY); based on a $1,000 example and assumes dividends remain in account until maturity.
Share Certificate: $500 minimum balance required. Your Term Share Certificate account will automatically renew for a term equal to the original at the prevailing rate at the time of renewal.
The dividend rate for all Term Share Certificates is fixed for the term of the account. Dividends are compounded and paid quarterly. Substantial penalty for early withdrawal. Please call (765) 771-8000 for more information.
Youth Share Certificates Rates Back to Top Learn More
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% |
* Annual Percentage Yield (APY); based on a $1,000 example and assumes dividends remain in account until maturity.
^^ Youth Share Certificate: $50 minimum balance required. Maximum original principle balance of $5,000. Must be of the age 17 and under. When you have reached Your 18th birthday and upon expiration of Your Share Certificate, Your Account will be closed and Your entire balance transferred to a Share Certificate Account, subject to the terms and conditions of such Account.
The dividend rate for all Term Share Certificates is fixed for the term of the account. Dividends are compounded and paid quarterly. Substantial penalty for early withdrawal. Please call (765) 771-8000 for more information.