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Lending & Product FAQ

 
Leasing
How do payments work?
Pay by check, or set up auto payments!
What terms are available?
We lease from 24-60 months
Is money down required?
In most cases, IMCU does not require money down.
How much is needed to get started?
Only your first payment is required to get started!
Who can lease with IMCU?
Any IMCU member can lease with credit approval licensing and registering the vehicle in Indiana.
What is the benefit of leasing?
Typically, the payment is lower than a payment on a similar loan term
 
 
 
 
 
 
 
 
Investment Services
What is the Indiana Members Investment Services Program?
The Indiana Members Investment Services Program is a full-service financial service program located at Indiana Members Credit Union and offered through CUNA Brokerage Services.
How can Investment Services Help?
  • We can help with Rollovers for 401(k)* or pension plans if you’ve: lost a job, changed jobs or have recently retired (**Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. FR-2072385.1-0318-0420
  • We can create a retirement income plan to approach your future years with confidence
  • We can help you plan for college and education costs
Can the Indiana Members Investment Services Program Help Me with Retirement Planning?
Yes! Our program has a wide variety of investment products to help you fund the retirement lifestyle you’re seeking. We believe everyone has a unique vision of their retirement years and we can help you manage your money to support that vision.
How do I get started with Investment Services?
To set a no-cost, no-obligation appointment, contact our Advisors today at Indiana Members Investment Services. Be sure to bring any documentation that will help the Financial Advisor understand your situation better, such as: account statements, tax forms, benefit information and a picture ID. If married, it’s best that both you and your spouse attend.
 
 
 
 
Auto Advisor
What is the Auto Advisor program?
A dealer network that agrees to help our preapproved members get the best price on a vehicle without the haggling.
How do I use auto advisor?
First, visit a local IMCU branch or IMCU.COM, and fill out an application. After pre-approval, branch staff will give you a certificate to take to the Auto Advisor dealership.
What vehicle brands are a part of this program?
Most brands, new and used, are represented.
How do I pick up my new vehicle?
Once you decide on a vehicle, the dealer will get the purchase order to the branch. When you sign the loan documents, a check for the dealer will be provided to you. The dealer will then go through the complete delivery for you at the dealership.
 
 
 
 
IMCU Car LoT
IMCU has a car lot?
When a vehicle is turned in at the end of its lease with IMCU, we have it fully inspected and detailed, and make it available for a great used car deal to our members. The list of cars is always on our site at IMCU.COM, or you can call 317.791.9398 to check on availability.
Where is the car lot located?
The car lot is located just north of our Southside Branch at 5047 Madison Ave., Indianapolis In
Do you take trades?
No, we are unable to take trade in vehicles.