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.

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

BRUSH OFF DEBT
Refresh your finances with a BALANCE TRANSFER

You may be eligible to receive a low rate of 5.99% APR* for 12 months with NO TRANSFER FEES, when you transfer your high-rate credit card balances from other financial institutions to your IFCU credit card. This offer is available January 1, 2024 through March 31, 2024.^

+Balance transfer offer applies to the following credit cards; Visa Platinum, Visa Select and the Visa Classic 13.5% and 14.5% APR* credit cards. The 17.9% APR* Classic Card is excluded from this offer.

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.

Download the APP

Spend Rewards icon

Spend Rewards

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.

Make a Payment

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 July 20, 2023. 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 points category is good for the first $2,500 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 July 20, 2023. 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. 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 8.24% APR*

Campers/ATV/Snowmobiles/Trailers

Loan Type / Term Rates as Low as:
Campers/ ATV/ Snowmobiles/ Trailers 9.49% 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%

Checking Rates

Account Type Balances Dividend Paid 1/31/23 APY* Minimum Balance
Free Share Draft Checking $2,500 and over 0.05% 0.05% No minimum balance.
Regular Share Draft Checking $1,500 and over 0.05% 0.05% $5.00
Teen Checking $0.00 – $2,499 0.10% 0.10% No minimum balance.
Teen Checking
$2,500 and over 0.10% 0.10% No minimum balance.

Christmas Club Savings

Account Type Balances Dividend Paid 12/31/23 APY* Minimum Balance
Christmas Club Savings   0.10% 0.10% 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 7.425% APR*
10 Year 7.425% APR*

Funds Manager

Account Type Balances Dividend Paid 1/31/23 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) 8.50% 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 1/31/23 APY* Minimum Balance
Individual Retirement Account (IRA) All 0.75% 0.75% $500 or $25 with Payroll Deduction.

Mortgage Rates

Rates subject to change without notice. Rates as Low as:
10 Year 6.350% APR*
15 Year 6.475% APR*
20 Year 6.975% APR*
30 Year 7.350% APR*
FHA Loans – (30 year rate shown) 7.225% APR*
VA Loans – (30 year rate shown) 7.225% APR*
USDA Loans – (30 year rate shown) 7.225% APR*
Jumbo Loans – (30 year rate shown) Call your Loan Office for Current Rates
Land Loans – (10 year rate shown) 8.600% APR*

Motorcycle Loan Rates

Loan Type / Term Rates as Low as:
New and Used Motorcycle 8.75% APR*

Overdraft Protection Loan Rates

Loan Type / Term Rates as Low as:
Overdraft Protection Loans Rate for ALL NEW ODP Loans: 18%

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 12/31/23 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

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 9.49% 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  4.10% 4.16%
24 Months  4.20% 4.27%
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*** 10.99% APR*

Vehicle & Consumer Loan Rates

Vehicle Loan Rates

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 13.50% View Details
Select Cash Back + Rewards 16.50% 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 12/31/23 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 amount 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%