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.

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.

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.

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.

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.

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.

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.