The INDEPENDENT FEDERAL CREDIT UNION All Credit Levels is a cdfi lender from INDEPENDENT FEDERAL CREDIT UNION. The annual fee is $0. The ongoing APR is 7:00%. Rewards: Members have access to nearly 5000 surcharge-free ATMs, mobile deposit services, and financial literacy resources through the Zogo app.. This product reports activity to your personal credit report. Independent Federal Credit Union (IFCU) is a credit union based in Anderson, Indiana, dedicated to improving the lives of its members through a variety of financial services and products. IFCU offers personal loans, including a Spring Break Get-A-Way loan with rates as low as 7.00% APR, and provides free financial counseling through a partnership with GreenPath Financial Wellness. Services include: personal loans, auto loans. US Treasury certified CDFI Credit Union in Anderson, IN. Membership required.