Loan Promotions
Interfaith FCU is committed to helping our members navigate the challenges of rising costs and inflation. We offer personal loans with low rates and flexible terms to help you avoid relying on cash savings, high-interest credit cards, and payday lenders. We are here for you and your family, providing affordable lending options to simplify your financial journey. View our loan rates page here. Go to IFCU’s Calculators page to find helpful lending tools. To inquire about loans with IFCU, email lending@InterfaithFCU.org or call 800-245-0433 and ask to speak with a lending representative.
4.99 % APR* VISA Balance Transfer: February 25 - May 25, 2026
Credit card interest rates have skyrocketed in recent years, many approaching 30%! IFCU wants to help you pay down debt faster by lowering your rate. Between February 25 and May 25, 2026, you can transfer your balances from your other credit cards to IFCU and secure a 4.99% APR* rate for 12 months on those transferred funds. No balance transfer fees.
Check your credit card rates and start planning now. Additionally, did you know if you refer friends and family to open an IFCU VISA credit card of at least $10,000 or more you can receive $25 as a thank you?
*APR=Annual Percentage Rate. This 4.99% APR applies to eligible balance transfers for the first twelve (12) months from the date the balance transfer is posted to the account. No balance transfer fee applies. After the introductory period ends, any remaining balance will automatically revert to the then-current standard (base) APR applicable to the account as disclosed in the Cardholder Agreement. No additional notice is required when the introductory APR expires.
Tax Season Loan - 7.99% APR* - up to $5,000 for up to 36 months
Payable directly to the IRS
Interfaith FCU is here to help you with unexpected tax expenses. No credit check for established members (over 60 days) and in good standing with no late payments on any IFCU loan in the last 24 months. One tax loan per member, any previous tax season loan must be paid off. Automatic payment and direct deposit to your IFCU checking account required. Click here for Loan Application. Scroll to the bottom of this page for secure submission options.
*APR = Annual Percentage Rate. Promotional rate is effective February 1, 2026, through April 15, 2026; however, IFCU may terminate or change the terms of this promotion at any time.
$25 Loan Referral Rewards
Your credit union is here for you, your family, your friends, and your congregation. IFCU’s priority is helping members find the right fit for their current financial circumstances while considering their long-term financial goals. Every time someone you refer utilizes IFCU lending services you will receive $25 as a Thank You! You can even pay these rewards forward to your favorite ministry.
Eligible loans include signature, Visa credit card, Visa balance transfer, automobile, home equity line of credit, and mortgage. Qualifying loan must be at least $10,000. There is no limit on the number of these referrals. The person you refer simply tells IFCU lending staff who referred them when they apply for their loan. You must be an IFCU member to receive rewards. Seasonal loan promotions are excluded.
Unlock the Equity in Your Home!
Unlock the potential of your primary asset. An IFCU home equity line of credit (HELOC) can provide you with the opportunity to conduct projects and renovations that can add value to your home. Did you know you can also use HELOC funds to make other major purchases, pay off student loans, as well as consolidate high-interest debt to a more reasonable rate? If you already have a HELOC with IFCU, now could be time to take an additional draw. Reach out to lending@InterfaithFCU.org or call today at 800-245-0433.
Your New Loan Generates Charitable Giving
Join Interfaith FCU on our charity journey. As your credit union looks towards giving more back to the faith community, IFCU is setting aside funds for charitable giving:
$100 for every new Home Equity Line of Credit (HELOC).
$50 for every new auto loan of $20,000 or more.
Disaster Relief Loan - 5.99% APR* for up to 36 months - $5,000 for Individuals / $10,000 for Churches
IFCU is here to ease financial hardships and help support recovery efforts in declared disaster zones. This loan is available to IFCU individual members as well as member churches. Monthly payments must be made by automatic transfer from the borrower’s IFCU checking or savings account. Deferred payment is available for up to 90 days. Proof of regular, consistent income is required. Click here for the Loan Application. Scroll to the bottom of this page for secure submission options.
*APR=Annual Percentage Rate. All loans are subject to the Interfaith Federal Credit Union’s customary underwriting and documentation. IFCU may terminate or change the terms of this program at any time.
IFCU Visa rates vs National Cards
Did you know nationally the interest rate for credit cards is approaching 30.00% APR*, while Interfaith FCU offers rates as low as 11.75% APR*? IFCU Visa offers no annual fee and no balance transfer fees. Now is a great time to make IFCU your primary credit card!
*APR=Annual Percentage Rate. 11.75% is for the IFCU Platinum Visa. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. The final rate is based on credit worthiness; not all members will receive the lowest rate. All rates and terms are subject to change.
Take your VISA to the next level - Request a limit increase today!
Email lending@InterfaithFCU.org or call 800-245-0433