IFF 
Employees Federal Credit Union
We are in the Solution Business
Phone: 732-335-2706
Fax: 732-264-5586
Follow Us On:
 
Telephone Banking
CALL-24
866-803-8624

Lost or Stolen Debit Card
1-800-523-4175 

Activate or Change Pin of a Debit Card
1-800-757-9848

Routing Number
221278747

SAVINGS RATES

effective: 10/01/2015

Account
Annual Percentage Rate
Annual Percentage Yield
IRA / Share Savings 
0.05%
0.05%
Vacation Club
0.05%
0.05%
Holiday Club
0.05%
0.05%
Money Market Savings $2,500-$9,999.99
0.05%
0.05%
Money Market Savings $10,000-$24,999.99
0.10%
0.10%
Money Market Savings $25,000-$49,999.99
0.15%
0.15%
Money Market Savings $50,000+
0.25%
0.25%

 

CERTIFICATE OF DEPOSIT RATES


effective: 10/01/2014

Account
Term
Annual Percentage Rate
Annual Percentage Yield
Share Certificate (CD)
6 Months
0.10%
0.10%
Share Certificate (CD)
12 Months
0.15%
0.15%
Share Certificate (CD)
18 Months
0.20%
0.20%
Share Certificate (CD)
24 Months
0.40%
0.40%
Share Certificate (CD)
36 Months
0.50%
0.50%


Members should call the credit union to verify rates. 
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Important Note: All rates, rights, terms and conditions are subject to change without notice. Fees could reduce earnings on account. Penalty will be imposed for early withdrawals.


LOAN RATES

effective: 10/01/2015

Rate Description
Maximum Amount Financed
Term (months)
 Annual Percentage Rate
APR Type
*AUTO Loan
$50,000
24
As Low as 1.49% 
Fixed

(New/Used)

36
As Low as 1.99%
48
As Low as 2.49%
60
As Low as 2.99%
72
As Low as 3.49%
*If the vehicle has over 100,000 miles ADD 2% to the interest rate.
Motorcycle/Boat/RV
 (New/Used)
$50,000
24
As Low as 3.49%
Fixed
36
As Low as 3.99%

48
As Low as 4.49%

60
As Low as 4.99%

72
As Low as 5.49%

Personal
$15,000
12
As Low as 7.95%
Fixed
24
As Low as 8.95%
36
As Low as 9.95%
48
As Low as 10.95%
Share Secured
$50,000
6-60
2% Higher then 
Share (savings) Rate 
Fixed
*Quick Loan
$500
6
16.00%
Fixed
Holiday Loan
$1,200
12
12.00%
Fixed
Home Equity

85% up to $100,000
60
As low as 3.50%
Fixed
84
As low as 4.50%
Fixed
120
As low as 7.50%
Fixed
180
As low as 8.50%
Fixed
 

* Credit is not reviewed, NO DISCOUNTS can apply and a $20.00 application fee.

Rates quoted are the lowest rates available for qualified applicants. 


Members should Contact Us to verify rates. 

FEE SCHEDULE

effective: 10/01/2015

Checking Fees 
Check Copy $ 5.00 per check 
Insufficient Funds Items (NSF)
$ 25.00 per item
Statement Copy  $ 3.00 per statement
Stop Payments $ 15.00 per item
Courtesy Pay $ 10.00 per item
Levy / Legal $ 75.00
Replacement Debit Card $ 25.00 per card
Lost PIN Number if Mailed $ 5.00 per pin
Overnight Delivery of Debit Card $ 35.00 per card
 
Miscellaneous Fees 
1 year Inactivity Fee
$ 5.00 per month
Invalid Address (locator fee)
$ 5.00 per item
Money Orders
$ 2.00 per money order
Research
$ 25.00 per hour
Returned Deposited Item
$ 15.00 per item
Wire Transfer - Outgoing/Domestic
$ 20.00 per wire
Wire Transfer - Outgoing/Foreign $ 40.00 per wire
Account Print Out $ 2.00 per page
Cashier Check payable To 3rd party $ 5.00 per check
Mortgage subordination request $150.00 per mortgage
Gift Card $ 3.00 per gift card

OTHER SERVICES

IFF Employees Federal Credit Union is ready to meet your wants and needs, by offering Loans, Savings and Low Fees. Contact Us with any questions you may have about any one of our products.

We offer:

Notary Services
GAP Plus
Credit Life and Credit Disability