Services   Savings Account: You become a member of IFF EFCU when you open a Share Savings Account with a minimum deposit of $5.00. As a part-owner you can take advantage of the broad range of financial benefits and services of Credit Union membership. Our staff is committed to providing the personal attention you deserve in satisfying your individual financial needs. If you ever have a question, simply call the Credit Union. Checking Account: If you are paying monthly service charges or maintaining a minimum balance in your current checking account at another financial institution, it is time you made the change to our free checking account.  Use your Credit Union checking account to manage your family's financial affairs on a daily basis it's easy with our: Free MasterCard Check Card No Required Minimum Balance No Per Check Charges No Monthly Service Fee No Limit To Number of Checks Written Per Month MAC ATM Access (PLUS Network) Access to over 37,000 surcharge-free ATMs nationwide through the Allpoint network Overdraft Protection Options: We offer several overdraft options to help you avoid returned check fees for insufficient funds. You can choose one of the following Overdraft Protection Options: Choice 1: Avoid overdrafts by authorizing a share savings transfer by telephone, internet, or in person. (Limit 3 per month) Choice 2: A Personal Line of Credit (LOC) loan can maintain your account balance even when unexpected expenses arise (subject to credit approval).  Call or stop in for an application.  Money Market Accounts: If you want to earn higher yields but do not want to lock in for a specific term our Money Market Account may be just what you are looking for. By maintaining a minimum deposit of $2,500 you can enjoy a high yielding account with the financial flexibility you need. Share Certificates: Lock in competitive rates with one of the Credit Union's Share Certificates. With a minimum deposit of just $500, you can choose a term ranging from 6 months to 36 months. Take advantage of the competitive yields available with Share Certificates and watch your money grow. Club Accounts: Join our Holiday and Vacation Clubs and discover an easy way to plan for holiday expenses or summertime fun. Save weekly, semi-weekly or whatever schedule works best for you using direct deposit or payroll deduction. Each year our Holiday Clubs begin in October and our Vacation Clubs begin in April. Funds from each Club are automatically transferred to your share savings account during the first week of October and April, respectively. IRA Options: It is never too soon to plan for your future. An IRA is a smart way to prepare for retirement or a child's higher education expense. Your IRA contribution may be tax deductible (consult your tax advisor for specific information.). Consider an IRA Rollover or Direct Transfer to convert to a IFF Employees Federal Credit Union IRA account. The Credit Union offers both Traditional  and Roth IRA Share and Share Certificate accounts. In addition, the Credit Union offers Educational IRA Accounts to benefit a child under age 18 for qualified higher education expenses. We can make it easy to save each payday through direct deposit or payroll deduction. Staying Connected With Your Accounts: We recognize it may not always be convenient for you to conduct business in person. Therefore, many Credit Union servicesare available to give you the flexibility of accessing your accounts from the convenience of your home, office, or while traveling for business or pleasure. On-Line Banking: Accessing your accounts at any time, day or night, is easy from any computer.  Just click the Account Access tab on our website to log in and check balances, review your history, transfer funds, and make payments for your credit union loans. Bank By Phone: When a computer isn't available or just isn't convenient, stay in touch by calling CALL 24 at (866) 803-8624   24/7 to receive balances, perform transfers, or inquire about your history.  Direct Deposit: All, or a portion of, your pay, social security or pension payments can be automatically deposited into your Credit Union accounts. With Direct Deposit you need never worry about a lost or stolen check again - or wait in line on payday. You will always have immediate access to your money. Payroll Deductions: You can designate a portion of your net pay to be transferred directly to your Credit Union account each pay period. Payroll Deduction is a regular savings program and a hassle-free method to make Credit Union loan payments. MAC ATM Access: Access your Credit Union accounts 24 hours a day, seven days a week, from thousands of ATM machines throughout the world on the MAC and Plus Network. Withdraw cash, verify account balances, or transfer funds between accounts... and more!  The Credit Union is a member of the Allpoint Surcharge-free ATM Network with 37,000 locations nationwide --you will not be surcharged when you use your IFF EFCU ATM Card at any of these machines. Debit Card: Use this card as an ATM card or anywhere MasterCard is accepted. How Safe Is Your Money: When you deposit your hard-earned funds in an IFF EFCU deposit account, you can rest assured that your money is safe. Member Accounts at IFF EFCU are federally insured to least $250,000 by the National Credit Union Share Insurance Fund, part of the National Credit Union Administration (NCUA), a strong governmental agency which insures financial institutions. Other Services: We also offer a variety of other low or no cost services to our members including: Discounted Great Adventure, Dorney Park, and Camelback Tickets  New and Used Vehicle Discounts from Participating Dealers GAP Insurance for Vehicles Financed through the Credit Union Consumer Credit Counseling Services at no cost to member Travelers Cheques American Express Gift Cheques Money Orders Cashier Checks Free Notary Service Postage Stamps Price Club Eligibility Credit Life Insurance Credit Disability Insurance Click here for a Loan Application. Apply for a Loan Online Now Savings Calculator     Loan Calculator New and Used Vehicle Loans No matter what kind of new car, truck or motorcycle you are looking for, your Credit Union can help!  Qualified borrowers can finance a new car, or truck, or motorcycle at surprisingly low interest rates, and our flexible terms let you select the repayment schedule and monthly payment that best suits your budget. You will always get a quick turnaround with our approval process. In addition, if you have found a great deal on a used car, truck or motorcycle, we can help you drive a better bargain there, too. IFF EFCU offers used vehicle loans with a variety of rates and terms designed to fit a variety of budgets. Already have a loan from another financial institution?  Check out our 2% Rate Drop Program!  In most cases we can offer you a rate a full 2% lower than your existing rate, and for a limited time only, subject to a low 5.25% rate floor and a $25 bonus. Personal Loans Your good name, good credit record, and signature are all that are required for a personal loan at IFF Employees Federal Credit Union. Whether you are using the funds for wedding expenses, an unforeseen emergency, bill consolidation, or some other purpose, you can count on fast service and a low interest rate at the Credit Union. Personal Lines of Credit (LOC) - Overdraft Protection Establish a Line of Credit and access it whenever you wish. Use it to protect your checking account against the inconvenience and cost of an overdrawn account.  Access your Line of Credit by simply writing a check or by withdrawing funds at an ATM. Share Savings Secured Loans Want to establish credit or repair your credit score?  In a hurry or need funds but do not wish to tap into your savings?  A savings-secured loan may be the answer!  Your accumulated savings in your Credit Union savings or certificate of deposit account can serve as security for your loan, giving you same-day approval and one of the most attractive loan rates we offer. Vacation Loans Are you thinking of vacationing in Florida or Europe -- or taking a vacation closer to home? Whatever your plans, you can apply for a vacation loan at your Credit Union. A low interest rate is available to qualified borrowers. First Mortgages Buying a home is one of the biggest investment decisions you'll ever make, as well as one of the largest purchases. Whether you are considering purchasing your first home or refinancing your current home your Credit Union can open the door to your dreams! You can choose either a fixed rate or an adjustable rate mortgage with flexible terms. The Credit Union offers competitive rates at affordable terms up to 30 years. Home Equity Loan Programs One of the smartest ways to borrow is to tap the equity you have built in your home - let your Credit Union help you put that equity to work! Unlike many other financial institutions, a Home Equity Loan or a Second Mortgage from IFF EFCU offers competitive rates with no points, application fees, or draw-down fees!  In addition, there is no prepayment penalty if you decide to pay off your loan ahead of schedule. Fixed Rate Second Mortgage - Payment Stability If you want to borrow a set amount for a specified need, choose our fixed-rate Second Mortgage. Your rate is fixed for the life of your loan, so your monthly payment remains constant. Equity Line Of Credit - Easy Access to Cash When You Need It Our variable-rate Home Equity Line of Credit gives you cash when you need it - and only when you need it!  You can consolidate existing bills, pay for home improvements or college expenses, use the money to buy a new car, or any other major purchase.  Accessing your credit line (up to your approval limit) is simple - just write a check.  In addition, because it's a line of credit, you pay only for the money you actually use. Both loans offer tax advantages Unlike the interest paid on consumer loans, the interest paid on your Home Equity Loan or Second Mortgage may be tax deductible. (Consult your tax advisor for complete details regarding your individual tax situation.) No matter whether you choose the Home Equity Loan or Second Mortgage, you'll save time or money by making the connection with IFF employees Federal Credit Union.     Getting into the habit of saving money and learning basic lifetime financial skills can begin at an early age. We provide a number of different services specifically directed toward young people, with a focus on education and fun. Student Program This account connects college-age students with everything they need to handle everyday financial transactions while away at school: Savings Account, Checking Account and ATM account access. Scholarship Program The Credit Union offers a College Scholarship Program annually for High School Seniors in order to promote scholastic excellence.  Contact our offices for details of this exciting program. Educational IRA's Set up a special IRA account to help save for your children's educational expenses.