IU Credit Union


Vehicle Loans | Personal Loans | Home Equity | Mortgage Loans | Credit Cards | Skip-A-Pay




Vehicle Loans

In the market for a new car, truck or SUV? We've got the tools and resources to help you make an informed decision and help you save money in the process.

IU Credit Union will finance up to 100% of the sales price (including tax and warranties) for:

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All loans subject to approval.

Have a car loan with another financial institution?
Let us show you how much you could save at the Credit Union if you refinance.

Does fuel economy factor into your choice of vehicle?
Check out the 2017 DOE/EPA Fuel Economy Guide




Personal Loans

Signature/Home Improvement

Taking a vacation? Changing your floors in your home? This loan may be just what you're looking for.

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All loans subject to approval.


90-day One-Pay Loan

This short-term loan offers no monthly payments, just one payment in full after 90 days.

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All loans subject to approval.


Share Secured

Use money in a savings account or certificate as collateral to secure a lower loan rate. A hold will be placed on the amount of the loan. As you make payments, the hold amount is reduced.

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All loans subject to approval.


Line of Credit

A great line of credit for checking overdrafts or for emergency use.

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All loans subject to approval.




Home Equity Loans & Lines of Credit

Tap into the equity you've built up in your home and use the money for just about everything. The best part is that the interest is often tax deductible. (Consult your tax advisor for details.)

If you're looking for a competitive fixed rate, the Home Equity Loan may be the right choice for you.

Our Home Equity Line of Credit program offers great rates based on the prime rate, up to 90%* loan to value and includes a low introductory rate and convenient features to fit your lifestyle!

HELOC Special Features:
  • .99% introductory APR for the first 6 months. As low as 5.00% APR thereafter.
  • Annual fee waived for first 12 months
  • A 0.25% discount for automatic payment from your IUCU checking account
Learn more »
Features include: Access funds through: View Rates Apply Now

*Maximum TLTV and loan amount based on the applicant's credit history
Applicant must carry insurance on property that secures plan. Flood insurance may be required if applicable.
All loans subject to approval.




Mortgage Loans

Whether you're buying, building or refinancing, the IU Credit Union wants to make your goal of home ownership as easy and worry-free as possible.

Buying a home is the largest purchase most of us will ever make. Our Online Mortgage Center offers the tools and advice needed to make an informed decision.

myMortgageInfo allows you to access more information regarding your mortgage loan, allowing you to:

You'll need your 10-digit loan number to register, which you can find on your loan documents, loan statement or coupon book


Smart Refi

Now is a great time to refinance your mortgage.

We offer ZERO closing costs* on loan terms of 5, 10 and 15 years.

*Minimum loan amount $25,000. Property insurance required. Available on first mortgage refinances with 80% maximum loan to value. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval.


Loans are available for properties located in Indiana, and select counties in Kentucky, Ohio, Michigan and Illinois.

All loans subject to approval.

For specific information not listed on our website, please call us at 812-855-7823 or toll free 888-855-MYCU.

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Have questions about a new mortgage loan?


Bruce Clayton
Sr. Mortgage Loan Officer
IU Credit Union
NMLS: 568882
812-855-7823 Ext. 1770

Matt Harding
Mortgage Loan Originator
IU Credit Union
NMLS: 1151315
812-855-7823 Ext. 1777

Shelly Baumgartner
Mortgage Loan Originator
IU Credit Union
NMLS: 1615963
812-855-7823 Ext. 1715


Have questions on an existing mortgage loan?

Please call us at:
888-855-MYCU (6928)




Credit Cards

Cash Rewards
Looking for a credit card that earns 1% cash rewards on purchases? Apply for the Mastercard Cash Rewards Credit Card!

Apply Now


Platinum Rewards
Looking for a credit card with a low rate, no annual fee and rewards? Apply for the Mastercard Platinum Rewards Credit Card! You'll earn points with purchases that can be redeemed for name brand merchandise and travel rewards.

Apply Now

Need to transfer a balance to your Platinum Rewards card?

Fill out the Balance Transfer Application


Secured Platinum
Need to build or re-establish your credit history? Our Secure Credit Card may be the perfect choice for you! Your credit line is secured by an equal amount in a Pledge Savings account with credit lines ranging from $300 to $25,000. The Secure Card functions just like a regular credit card and the Pledge Savings account will earn the same dividends as your Membership Savings account.

Apply Now


No matter which IU Credit Union Credit Card you opt for, upon approval, you will be able to enroll your card at to view account balance, pending transactions, available balance and account history, set up email and mobile alerts, make a one-time or recurring payment and view your Credit Card eStatements for up to 24 months. This service is free and easy to use!

View the charts below for additional card details and a list of card benefits.

IU Credit Union Mastercard Cash Rewards Debit Card
Mastercard® Cash Rewards Credit Card
IU Credit Union Mastercard Platinum Debit Card
Mastercard® Platinum Rewards Credit Card
IU Credit Union Mastercard Secured Platinum Credit Card
Mastercard® Secured Platinum Credit Card
APR on Purchases (APR may vary after account is opened)
14.00% - 24.00% APR
11.00% - 21.00% APR
11.00% APR
Earns Rewards on Everyday Purchases
Annual Fee
Credit Limit
Up to $25,000
Up to $25,000
Up to $25,000
APR on Cash Advances (APR may vary after account is opened)
14.00% - 24.00% APR
11.00% - 21.00% APR
11.00% APR
Credit Life and/or Disability Insurance
Cash Availability through ATMs
ATM Withdrawal Fee
Toll-Free Member Service in the US
Additional Cards for Authorized Users
International Transaction Fee Up to 1.0% of the value of a transaction (in U.S. dollars) originating from a non-U.S. ATM or merchant location. Up to 1.0% of the value of a transaction (in U.S. dollars) originating from a non-U.S. ATM or merchant location. Up to 1.0% of the value of a transaction (in U.S. dollars) originating from a non-U.S. ATM or merchant location.
Card Benefits1
Scorecard® Cash Reward
Card earns 1% cash back on purchases.
Scorecard® Rewards
Card earns valuable bonus points, which can be redeemed for merchandise and travel rewards.
Zero Liability2
Protects you if your card is used for purchases without your permission; for details visit
Mastercard Global Service®
Receive 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
MasterRental® Insurance
This coverage can provide reimbursement for physical damage to or theft of a rental vehicle.
Extended Warranty
Most manufacturers warranties are doubled for up to one additional year.
Travel Accident
Provides Travel Accident Insurance when you use your card to purchase travel tickets.
Price Protection
If there is a lower price advertised on a recent purchase, you're covered! Most purchases you make with your card are covered to receive the difference between the price you paid and a lower price advertised.
ID Theft Resolution
Assists you with a number of valuable services if you are the victim of identity theft.
Additional Benefits
Online Access/eStatement thru eZCardInfo
Auto Pay
Mobile Wallet (Apple, Google and Samsung Pay)

1 Certain terms, conditions and exclusions apply to all the benefits listed.
2 Certain restrictions apply. Please see for more details.

All loans subject to approval.


Customer Service: 866-839-3409; Outside U.S. 727-570-4899

To activate a card, call 800-456-6870; Outside U.S. 727-570-4888

To change your PIN, call 866-297-3413; Outside U.S. 727-227-9600

To report lost or stolen Mastercard Credit Cards, call 866-839-3485; Outside U.S. 727-570-4881


Mastercard SecureCode

Mastercard SecureCode is a private code for your Mastercard Credit Card that gives you an additional layer of online shopping security. Only you and IU Credit Union know what your code is — retailers aren't able to see it. So you can trust that your transactions get independent approval every time.

Once you've registered and created your own private SecureCode, you will be automatically prompted at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

SecureCode works with your existing Mastercard account, requires no download, and it's easy to activate and to use.

Create your Credit Mastercard SecureCode



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