APY = Annual Percentage Yield. Rates effective as of July 10, 2024. Fees may reduce earnings.

Vehicle Loan Rates

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.

Motorcycle Loan Rates Back to Top

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

Campers/ATV/Snowmobiles/Trailers Back to Top

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

Boats & Watercraft Loans Back to Top

Loan Type / Term Rates as Low as:
Boats & Watercraft 9.24% 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*** 10.49% 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.

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 13.50% View Details
Select Cash Back + Rewards 16.50% 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. 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.

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. 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.

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. 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.

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 9.24% 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 6.100% APR*
15 Year 6.225% APR*
20 Year 6.725% APR*
30 Year 7.100% 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) 7.350% 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 7.675% APR*
10 Year 7.300% 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) 8.50% 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.

Checking Rates Back to Top

Account Type Balances Dividend Paid 6/30/24 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.

* 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.

Regular & Special Savings Back to Top

Account Type Balances Dividend Paid 6/30/24 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 6/30/24 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 6/30/24 APY* Minimum Balance
Christmas Club Savings   0.10% 0.10% 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 6/30/24 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 6/30/24 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  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%

* 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 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%

* 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 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.