Northern Indiana FCU Products

Regular Share Savings Account:
Your regular share account, which must have a minimum balance of $25.00, is an all-purpose account. It is one of two accounts that can be accessed by automatic debits or direct deposits and an ATM card. Many people choose to deposit money each paycheck to have a "nest egg" available to them readily. The rates on this account are variable and are subject to change at any time.

Share Certificates:
If you're looking for a more long-term investment at a higher return rate, our share certificates are suited for you. With terms ranging from 3-30 months, with different minimum balance amounts, we are sure to have a certificate

for you. Go to our rates page for current rates or contact us for more information.

I.R.A.'s
Individual Retirement Accounts are especially attractive because of their dividend rates. We have a selection of IRA's at your disposal that allow you to save towards all of life's major expenses: retirement, first home, education and more. Contact us to find out, which IRA is best for.

Christmas Club
If you want to put some money away for the holidays, our Christmas Club account is the way to go. Christmas Clubs officially start November 1 and pay out on October 31st of the following year.

Vacation Club and Funds Manager
If you want to put some money aside for vacation, car insurance, school tuition, or any other expense, our vacation and funds manager accounts are provided to keep your special expenses separated from your spending cash.

Kid's Club
A kid's club account is a perfect way to start a savings plan for your child. It teaches kids financial responsibility and discipline-skills they will need. As your child grows, so will the savings in this account!

Direct Deposit
Your time is valuable so let us take care of some of the work. Use direct deposit and any amount of your paycheck that you choose will be automatically deposited into your account.

Payroll Deduction
At your request, we will automatically divide your paycheck into your various account trailers (i.e. vacation, Christmas club) to save you time.

ATM Cards
An ATM card will allow quick access to your cash at thousands of ATM stations around the world.

Draft Account
Open a draft account with us and enjoy NO monthly service fees, NO minimum balance requirement, and NO per item clearing charge. Plus, you will earn dividends on the average daily balance and your first 50 checks are free!

Visa Debit Card
A Visa debit card (also called a Check-card) is the fast, easy, and convenient way to make purchases and access cash. You'll no longer have to carry checks or other ATM cards because our Visa debit card does it all! And because it's a Visa, you can use it at retailers and ATM stations around the world.

ATM Cards
An ATM card will allow quick access to your cash at thousands of ATM stations around the world.

Overdraft Protection
Because we know even the most careful members can make mistakes, we will automatically cover a bounced check by transferring the appropriate funds from your savings account for a small fee.

Automatic Payment
We offer free automatic payment to or from almost any account between us and another financial institution. This makes paying off loans and credit cards easy and on time. No checks, no stamps, no charge.

Around-the-clock Account Access
Check your accounts, pay loans, and transfer funds with Perfect-Teller Home Banking and SYBIL, the telephone teller. Both are convenient, simple to use, and are no cost to you!

Loan Product information listed on our Rates page.

Northern Indiana Federal Credit Union offers a wide variety of products and services to our members to assist in filling their financial needs. Service fees are subject to change and reflect the cost of providing these services to our members.