Independent Federal Credit Union / Loans

If you are applying for a Mortgage or Home Equity Loan click HERE to fill out the on-line application.

To learn more about a Home Equity Line of Credit loan, click this LINK.

When it comes to lending, IFCU’s goal is to help as many members as possible. Rates are assigned consistent with credit history and will be competitive and often lower than elsewhere. We have consistently offered loans at lower rates than most other financial institutions. It pays to compare!

Apply Online or visit a Loan Officer at our full service location to get details and loan rates on almost any kind of Consumer Loan. We can help you get the things you want.

*All loans subject to terms and conditions as set forth by IFCU.*


  • Home Mortgages
  • Shared Secured
  • Titled Vehicle Loan
  • Personal


  • Terms up to five years

Online Application


The Smart Option Student Loan® for Independent Federal Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.


There is nothing stopping you from buying the vehicle of your dreams! Independent Federal Credit Union has partnered with local dealerships to offer you a wide variety of make and models within the line of vehicles you prefer. By partnering with these quality dealers, and by financing the vehicle with Independent, you can shop for your next car, truck or van in confidence.

You can experience the convenience of local, one-stop-shopping! After you discover the vehicle of choice; simply make the request to your dealer to finance with Independent Federal Credit Union; and you will be driving off in your new vehicle in no time. Everything will be taken care of through the dealerships, making it as easy as possible for you to own that next vehicle.

Go ahead! Go car shopping! The following is a list that includes our current Local Dealer Partnerships.

Other nearby dealers include:

We want to help you be as prepared as possible to shop for that next vehicle, so don't forget to check out Member Resources for a convenient link to NADA. You can check the value of your current vehicle, or get an idea of what your new car might cost. If you have any questions, contact the experts in our loan department at 765-649-9271.


Come Home with a Mortgage from Independent! If you are ready to take that step toward your next home, click HERE!

* 5-30 year Conventional Mortgages

* 5-15 year Fixed Home Equities

* HELOCs (10 year draw and 15 year draw)

What you should know about Home Equity Line of Credit loans

* Up to 95% lending with PMI Insurance

* Call Credit Union for more details or click HERE!