Interstate Federal Credit Union offers the products and services necessary for us to become your primary financial institution. If we are unable to provide you with a particular product or service you currently have at another financial institution, please click on CONTACT US below and send an e-mail to us at info@ifcu.org to let us know. We will investigate the possibility of providing your request.

NEW AUTO LOANS
The credit union can generally finance up to 100% of the purchase price of a new auto including tax and lisense, excluding extended warranties.

The rate and term of any loan is determined by the amount of down payment and the remaining amount financed.

New autos financed elsewhere may be refinanced with the credit union at our new auto rate only if there is less than 5,000 miles on the auto at the time of refinance.

USED AUTO LOANS
The credit union finances used autos that are no more than 8 model years old.

The maximum loan amount is generally up to 100% of the wholesale Kelly Blue Book value.

REAL ESTATE LOANS
Interstate Federal Credit Union offers both real estate 1st mortgage and 2nd mortgage loans.

For information and rates on 1st mortgage loans, please call our mortgage loan consultant, CU Partners, at (800) 200-4889.

Second mortgage loans are based on an 80% equity value in your primary residence. The maximum loan amount is $50,000.00 and processing is generally within 10 days. Please contact our loan department for further information.

SAVINGS
Interstate Federal Credit Union offers both regular savings accounts and our "special share" account.

The special share account can be used to keep monies separate from your regular account, for whatever reason.

Both the regular and special share accounts pay dividends on a quarterly basis.

You will also receive a quarterly statement of all activity on your accounts.

CHECKING
Interstate Federal Credit Union offers a checking account with NO monthly fees, NO minimum balance and we pay you interest on your daily balance.

Your checking account can receive direct deposits from your employer and comes with an ATM/POS card that can be used to get cash when and where you want it. Your card can be used anywhere point-of-sale transacations are accepted from the gas station to fast food resturants. Now you don't have to carry checks everywhere, and you can still access your checking account.

HOLIDAY CLUB
Use our Holiday Club account to save now for those expenses you know are coming next year.

The holiday club account matures on November 1st and the money you saved plus accumulated interest is automatically transferred to your regular savings account for you to use for all those year end expenses. Your holiday club account will automatically renew each year unless you cancel the account.

You can save through direct deposit or payroll deductions. Call the credit union to sign up or send us an e-mail by clicking on "Contact Us".

IRAs
The Credit Union offers IRA accounts for you to save now for your future.

If you would like more information on IRA accounts please contact the credit union office.

ATM/POS
With a credit union ATM card you can access your savings account at any ATM machine that displays either the STAR or PLUS system logos.

If you have a checking account with the credit union your card is a dual featured card that allows you to access your checking account through point-of-sale transactions.

This means you can use your card at the grocery store to pay for your groceries and get cash back (up to $300.00) at the same time. You can swipe your card to pay for gas without standing in line inside the station. You can use your ATM card at over 50,000 participating locations nationwide.

VISA
The credit unions VISA card comes with available credit limits up to $10,000.

We also offer a cashback option that pays you back up to 1% of all qualified purchases during the year.