Business Details
Your Trusted Financial Partner in Troy, OH
At IH Credit Union, we are committed to delivering comprehensive financial solutions tailored to meet the needs of our members. With a focus on community empowerment, we offer a wide range of services including mortgage loans, business checking accounts, and competitive certificate programs. Our innovative digital banking platform provides 24/7 access to manage accounts, make payments, and apply for loans seamlessly. Recognized for our exceptional customer service, we pride ourselves on offering personalized support through our knowledgeable team and advanced tools like Harvey, our call center assistant.Backed by American Share Insurance and Excess Share Insurance Corporation, we ensure member accounts are protected up to $500,000. Through initiatives like the M. Angela Theriac Scholarship, we actively invest in local education and community development. Our competitive rates, including car loans starting at 5.99% APR and certificate specials with APYs up to 4.09%, reflect our dedication to financial wellness. With convenient branch locations and a robust online presence, we strive to make banking accessible and efficient for all our members.
Services
Mortgage Loans
Business Checking
Online Banking
Certificate Programs
Car Loan Refinancing
Community Scholarships
Digital Payments
Account Insurance
Financial Education
Mobile App Services
Highlights and features
- We offer 24/7 digital banking services with real-time payment capabilities.
- Our competitive loan rates include a 1% APR beat guarantee on car refinancing.
- We provide personalized financial education through our MoneyED program.
- Our community initiatives support local scholarships and athletic programs.
- We ensure account security with dual insurance coverage up to $500,000.
Associations and certifications
- American Share Insurance
- Excess Share Insurance Corporation
Services
Mortgage Loans
Our mortgage loans provide competitive rates and flexible terms to help members achieve homeownership. With specialized programs for first-time buyers and refinancing options, we simplify the path to securing your dream home. Our local loan specialists guide you through every step of the process.
Business Checking
Tailored business checking accounts offer robust features including low fees, free online banking, and merchant services integration. Designed for small to mid-sized businesses, our solutions support cash flow management and growth initiatives through dedicated relationship managers.
Certificate Programs
High-yield certificate programs deliver secure growth opportunities with terms from 7 to 44 months. Current specials offer APYs up to 4.09%, with options for automatic renewal and penalty-free withdrawals under specific conditions to maximize savings potential.
Digital Banking
24/7 digital banking enables account management, bill payments, and loan applications through mobile and web platforms. Real-time payment processing, eStatements, and secure messaging ensure convenient, modern financial management accessible from anywhere.
Car Loan Refinancing
Our car loan refinancing program guarantees a 1% APR reduction from current rates, with $100 cash incentives for qualifying members. Flexible terms and quick approval processes help reduce monthly payments and overall loan costs efficiently.
Questions
What mortgage loan options are available?
We offer fixed-rate, adjustable-rate, and jumbo mortgages with competitive rates starting at 7.50% APR for qualified borrowers.
How can I access my account after hours?
Our 24/7 digital banking platform allows account access, payments, and transactions anytime through mobile or web portals.
Do you offer business banking services?
Yes, we provide business checking accounts, merchant services, and commercial loans tailored to local business needs.
What certificate terms do you provide?
Certificate programs range from 7 months (3.79% APY) to 44 months (4.09% APY) with multiple rate options available.
How does car loan refinancing work?
Our refinancing guarantees 1% APR reduction from your current rate plus a $100 bonus when you qualify with updated documentation.
Is my money insured?
Yes, accounts receive dual insurance coverage up to $500,000 through American Share Insurance and Excess Share Insurance Corporation.
