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.

• A minimum balance of $5 must be maintained in the account at all times
• Deposits can be made by payroll deduction, direct deposit, in person or by mail
• Dividends paid quarterly

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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:

• No minimum balance
• No monthly service charge
• No Per Check Charges
• No Limit To Number of Checks Written Per Month
• Free MasterCard Check Card
• MAC ATM Access (PLUS Network)
• Access to over 37,000 surcharge-free ATMs nationwide through the Allpoint network

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:

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.

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.

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.

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.