--- title: "Independent Credit Union Rates - Indiana" description: "Current mortgage, auto loan, personal loan, and savings & cd rates from Independent Credit Union in Indiana. Updated daily with source verification. See who can join Independent Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/indiana/independent" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Independent Credit Union Rates - Indiana ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Mortgage Rates (5 Years)** other | — APR | 6.250% | — | Standard | | **Home Mortgage Rates (10 Years)** other | — APR | 6.750% | — | Standard | | **Home Mortgage Rates (Variable Rate)** other | — APR | 6.750% | — | Standard | | **Home Mortgage Rates (15 Years)** other | — APR | 7.250% | — | Standard | Independent Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 26 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Used Auto Loan (2022–2024)** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **60-Month New Auto Loan (2025–2026)** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **66-Month New Auto Loan (2025–2026)** auto_new_66mo | — APR | 5.240% | 66 mo · new | Standard | | **66-Month Used Auto Loan (2022–2024)** auto_used_66mo | — APR | 5.240% | 66 mo · used | Standard | | **72-Month Used Auto Loan (2022–2024)** auto_used_72mo | — APR | 5.490% | 72 mo · used | Standard | | **72-Month New Auto Loan (2025–2026)** auto_new_72mo | — APR | 5.490% | 72 mo · new | Standard | | **75-Month Used Auto Loan (2022–2024)** auto_used_75mo | — APR | 5.740% | 75 mo · used | Standard | | **75-Month New Auto Loan (2025–2026)** auto_new_75mo | — APR | 5.740% | 75 mo · new | Standard | | **60-Month Used Auto Loan (2021)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **84-Month New Auto Loan (2025–2026)** auto_new_84mo | — APR | 5.990% | 84 mo · new | Standard | | **66-Month Used Auto Loan (2021)** auto_used_66mo | — APR | 6.240% | 66 mo · used | Standard | | **72-Month Used Auto Loan (2021)** auto_used_72mo | — APR | 6.490% | 72 mo · used | Standard | | **60-Month Used Auto Loan (2020)** auto_used_60mo | — APR | 6.740% | 60 mo · used | Standard | | **66-Month Used Auto Loan (2020)** auto_used_66mo | — APR | 6.990% | 66 mo · used | Standard | | **72-Month Used Auto Loan (2020)** auto_used_72mo | — APR | 7.240% | 72 mo · used | Standard | | **48-Month Used Auto Loan (2019)** auto_used_48mo | — APR | 7.490% | 48 mo · used | Standard | | **60-Month Used Auto Loan (2019)** auto_used_60mo | — APR | 7.740% | 60 mo · used | Standard | | **48-Month Used Auto Loan (2018)** auto_used_48mo | — APR | 7.990% | 48 mo · used | Standard | | **60-Month Used Auto Loan (2018)** auto_used_60mo | — APR | 8.240% | 60 mo · used | Standard | | **Classic Vehicle 20+ Years** auto_any_60mo | — APR | 9.490% | 60 mo | Standard | | **36-Month Used Auto Loan (2017)** auto_used_36mo | — APR | 9.990% | 36 mo · used | Standard | | **48-Month Used Auto Loan (2017)** auto_used_48mo | — APR | 10.240% | 48 mo · used | Standard | | **36-Month Used Auto Loan (2016)** auto_used_36mo | — APR | 10.990% | 36 mo · used | Standard | | **42-Month Used Auto Loan (2016)** auto_used_42mo | — APR | 11.240% | 42 mo · used | Standard | | **36-Month Used Auto Loan (2015)** auto_used_36mo | — APR | 11.990% | 36 mo · used | Standard | | **36-Month Used Auto Loan (2014)** auto_used_36mo | — APR | 12.990% | 36 mo · used | Standard | Independent Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.240% | — | Standard | Independent Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Certificate ($500+)** cd_36mo | — APY | 2.50% | 36 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | — APY | 2.75% | 6 mo | Standard | | **24-Month Certificate ($500+)** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **12-Month Certificate ($500+)** cd_12mo | — APY | 3.50% | 12 mo | Standard | Independent Credit Union savings & cd rates as of November 12, 2026 Independent Credit Union is a credit union in Indiana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/indiana/independent) , verified from [Independent Credit Union's official website](https://www.independentfcu.org/) Loading branch locator… ## About Independent Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.1K Assets $93.8M Founded 1971 Locations reported 1 NCUA charter 24171 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Lampco** South Branch · Anderson · IN · 46013 About 1.7 miles away](https://rateapi.dev/credit-unions/indiana/lampco) [**Madison County** Madison County FCU · Anderson · IN · 46013-2762 About 2.2 miles away](https://rateapi.dev/credit-unions/indiana/madison-county) [**Three Rivers** Pendleton · Pendleton · IN · 46064 About 5.6 miles away](https://rateapi.dev/credit-unions/indiana/three-rivers) [**Indiana Members** Fishers Branch · Fishers · IN · 46037 About 13.2 miles away](https://rateapi.dev/credit-unions/indiana/indiana-members) [**Financial Center First** McCordsville · McCordsville · IN · 46055-9443 About 15.7 miles away](https://rateapi.dev/credit-unions/indiana/financial-center-first) [**Thrive** Main Office · Muncie · IN · 47302-9405 About 15.8 miles away](https://rateapi.dev/credit-unions/indiana/thrive) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Independent Credit Union Membership eligibility from Independent Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Independent Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer IFCU Verified from [Independent Credit Union's membership page](https://www.independentfcu.org/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Independent Credit Union Geography 1 county · Employers · Family 3 published paths to membership, last verified August 21, 2026, quoted from Independent Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Madison County, IN “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Madison County, IN” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of IFCU “employees of IFCU” > [source ↗](https://www.independentfcu.org/become-a-member) - Employee of IFCU ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household member “members of the immediate family or household” > [source ↗](https://www.independentfcu.org/become-a-member) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Independent Credit Union? Yes No ## Work at Independent Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Independent Credit Union ranks against Indiana peers. - See which AI assistants fetched Independent Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Indiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=independent&state=indiana&code=IN&name=Independent%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Independent Credit Union offer? Independent Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Independent Credit Union rates updated? RateAPI verifies Independent Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Independent Credit Union's rate data? Rate data is collected directly from Independent Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Independent Credit Union? Independent Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county and 1 employer for Independent Credit Union, each quoted from Independent Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Independent Credit Union's rates against national credit-union benchmarks. [More Indiana credit unions](https://rateapi.dev/credit-unions/indiana) [Indiana mortgage rate leaders](https://rateapi.dev/mortgage-rates/indiana) [Indiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/indiana) [Indiana personal loan leaders](https://rateapi.dev/personal-loan-rates/indiana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.independentfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Independent Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Indiana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Independent Credit Union curl "https://api.rateapi.dev/credit-unions/indiana /independent " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Independent Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/indiana/independent Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp