Chin Community of Indiana
Show your support for the Chin Community with a special logo debit card!
A card that connects you to the community.
Make everyday purchases while showing your support for the Chin Community of Indiana. Open an IMCU Free Checking Account¹ and request your debit card to pair simple banking with a meaningful way to represent your community.
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Discover the IMCU difference!
IMCU prides itself on its ability to stay true to its roots of Keeping It Simple, while offering our members valuable products and services, with friendly, competent service, and providing the most advanced technology possible.
In The Community
Where we live, where we work, and where we give back. At IMCU, community comes first. Alongside Indiana Members Foundation, we support local organizations and initiatives that make a meaningful difference in the lives of those we serve.
It's a privilege to be able to help our neighbors, and that's always been our focus. We give back through grant funding, special debit card programs, fundraising events, scholarships, and hands‑on support for local organizations.
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¹All checking accounts require a membership savings account.
2Intro Rate Annual Percentage Rate. This rate (effective January 1, 2026) is a special limited time offer and subject to change without notice. Introductory rate of 3.90% APR applies to new 30 Year home equity lines-of-credit opened on or after January 1, 2026 and does not apply to refinances of existing IMCU home equity lines. This rate is only available for owner occupied single family residences. Certain restrictions and conditions apply. $5,000 minimum loan amount. After the first 6 months, all balances convert to the variable rate APR based on an index plus a margin. The variable rate is based on the highest Prime Rate (the index) as published in the Wall Street Journal in effect on the last Tuesday of the calendar month. The APR for the Home Equity Line of Credit may increase or decrease, but will never fall below 2.75% and will never exceed a maximum rate of 21.00% or highest rate allowable by law. The margin is 0.00% to 2.50%, depending upon credit worthiness, term, credit score and combined loan-to-value (CLTV). As of 12/11/2025, the Prime Rate was 6.750%, so APRs are 6.750% (Prime Rate + 0.00% margin) to 9.25% (Prime Rate + 2.5% margin). Credit advances may be taken for 5 years (draw period) and renewed up to a total of 15 years. A repayment period for a minimum of the remaining 15 year term will require, at minimum a monthly payment of the finance charges (accrued interest) for the prior month. Depending on the terms of your loan, if you made the minimum payments due each month, your loan may have a balloon payment due at maturity of the full amount drawn. CLTV is based on the Indiana Members Credit Union approved valuation method. Payment example does not include taxes or insurance; actual payment may be greater. IMCU home equity lines may be eligible for interest only payment option. Consult your tax advisor regarding deductibility. Certain restrictions and conditions apply. Property owner must supply proof of insurance. NMLS # 402492.
3 3.74% APR available for well qualified borrowers with full relationship including savings, checking and net direct deposit into IMCU account. APR = Annual Percentage Rate. Repayment in as many as 36 months. Membership savings account required. Current IMCU loans exempt. Model years 2026 or Newer. Effective 07.01.2026 and rate subject to change. Rates may be higher based on credit score, vehicle year and loan term. If you borrowed $10,000 for 3 years, you would make 36 payments of $294.08, with a total finance charge of $587.00.