Products

Savings and Investments

Share (Savings) Accounts - Need a way to save more money? Start with a savings account! Open your account with as little as $25.00, then put away a little more each month. We can even make saving automatic for you through Direct Deposit, Payroll Deduction, or Automatic Transfer.

 

Special Savers Accounts - You can open an extra savings account to save for any specific purpose. This money is separate from your regular share account and offers the same benefits. Whether saving for a child's tuition or receiving an inheritance, this account allows you to keep your money working for you!

 

Share Draft/Checking Accounts

Share Draft Accounts - Checking with your credit union is free and easy!

 

Share Certificates

Share Certificates - Investing your money is the surest way to build wealth. With an IFCU Share Certificate you get an added benefit - the assurance of a fixed rate and insured funds. It's a small price to pay for a higher dividend.

 

Loans

Share Secured - Use your Share (savings) account or Certificates as collateral for a personal loan to help you save money while you borrow at a lower interest rate. It can be difficult to “pay yourself back” when you’ve withdrawn money from your savings account. In fact, it’s unlikely that you will ever replace the entire amount, but you will pay a loan to the credit union. Your savings account will continue to earn interest while the interest paid on the loan will continue to decrease with each payment. At the maturity of the loan, you may have actually made more interest on your savings than you paid on your loan, making this the “smartest” way to borrow money. These loans are available to you at 3% above the interest rate that you are earning on your account.

If you have imperfect credit, perhaps a share secured loan can be the solution. Along with our low interest rates, the terms are very flexible.

 

Signature Loans - Signature loans are available based on your annual income, length of employment and credit history. These loans are perfect for purchasing home appliances, a home computer, back to school needs, Christmas shopping, vacation loans, income tax loans and even consolidating those high interest bearing credit cards. We offer up to $10,000.00 at low interest rates.

 

Auto Loans - Tired of feeling like you’ve been taken for a ride? Trust your credit union for a new or used auto loan at a low rate and for help in obtaining your best deal.

Free auto pricing information is available to help you know how much is too much to pay.

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act