Loan Promotions

Interfaith FCU’s lending focus is helping our members get through these tough times of rising costs, higher interest rates, and inflation. We want to provide products to help you avoid using high-interest credit cards and your cash savings. We are here for you and your family. Whether you need some extra cash for a vacation, are looking to make some home improvements, or whatever the reason may be, Interfaith Federal Credit Union offers personal loans with low rates and a variety of terms guaranteed to make your life a little easier. View our loan rates page here. Go to IFCU’s Calculators page to find lending tools. To inquire, contact lending@InterfaithFCU.org or call to speak with a lending representative at 800-245-0433.

Holiday Loan - 9.99% APR*- up to $2,000 for 12 months

IFCU is here to help with those extra expenses so you can focus on family, faith, and connection this holiday season. No credit check for established members (over 60 days) in good standing with no late payments on any IFCU loan in the last 24 months. Automatic payment and direct deposit to your IFCU checking account required. One holiday loan per member, any previous holiday loan must be paid off.

IFCU requires completed loan application and two most recent paystubs or SI/Pension/Investment income statements. Self-employed members will need to provide 2022 and 2023 tax returns and year-to-date financials. Click here for Loan Application Scroll to the bottom of this page for secure submission options.

* APR = Annual Percentage Rate. Promotional rate is effective November 1, 2024, through December 31, 2024. Terms are subject to change without notice.

Holiday Skip-a-Pay

What could you create for your family with one less loan payment this holiday season? Skip-A-Pay is available for November, December, or January on IFCU signature and auto loans for members in good standing. There is a $50 fee per loan to skip a payment. Utilize this form to request a skip-a-pay.

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 members, individuals as well as churches. Monthly payments must be made by automatic transfer from the borrower’s IFCU checking or savings account. Deferred payment available up to 90 days. Proof of regular, consistent income is required. Click here for Loan Application. Scroll to the bottom of this page for secure submission options.

*APR=Annual Percentage Rate. IFCU may terminate or change the terms of this program at any time.

Auto Loan Promotion - 90 Day No Payment on auto loans New to IFCU - EXTENDED to December 31st!

No payments for first 90 days on auto loans new to Interfaith FCU - this applies to new or used car purchase OR bringing your auto loan over from another lender to IFCU. Members may elect to defer their first payments for 90 days from the loan funding date. Offer is valid for auto loan applications received July 1st through December 31, 2024 and loan must be funded no later than January 10, 2025 to qualify for the 90-day no payment offer. Interest will continue to accrue during the deferral period. Offer not available for existing Interfaith FCU auto loans. To apply for an Auto Loan print this loan application. Scroll to the bottom of this page for secure submission options.

Ask about additional discounts available for direct deposit to an IFCU checking account and for automatic payment transfer.

Utilize IFCU Auto Buying Partnerships - Get 0.25% off your auto loan rate!

Imagine a seamless process for finding the right car at a great price with no haggling, then topping it off with a great loan rate. IFCU is here to make life easier for you with pre-approval for your car loan combined with concierge car buying services.

Read about Auto Buying Services through Enterprise Care Sales and Auto Expert on the Auto Loans page.

Ask about additional discounts available for direct deposit to an IFCU checking account and for automatic payment transfer.

Your New Loan Generates Charitable Giving

Join Interfaith FCU on this charity journey, now extended through January. As your credit union looks towards giving more back to the faith community IFCU is setting aside funds for charitable giving:

$50 for every new Home Equity Line of Credit (HELOC).

$25 for every new auto loan of $20,000 or more.

For SECURITY of your personal information DO NOT EMAIL completed loan applications. Utilize one of the following:

  • Log in to your account in online banking, then Attach completed documentation to a message using the Support feature, see instructions. The advantage of this method is documents become part of the message archive for that member account, providing repeated access as needed for both the member and IFCU staff.

  • Fax to 909-981-7055

  • Mail to Interfaith FCU, PO Box 60651, Montclair, CA 91763 or your regional office.

  • Upload using the secured document portal