IR Points

We want to say thank you! Thanks for choosing us! We’d like to show our appreciation by launching our IR Points program. The more products and services you use, the more points you earn. The more IR Points you earn the more rewards you receive!

Your points will be calculated monthly and your rewards dependent on what tier you fall into!


GOOD 0-150

Free Online Banking

Free Mobile App

Free Text Banking

Free Telephone Account Access System

Free Bill Pay

Free P2P

Free MC ID Protection

Free Virtual Strongbox

EXCELLENT 250-349

Free Online Banking

Free Mobile App

Free Text Banking

Free Telephone Account Access System

Free Bill Pay

Free P2P

Free MC ID Protection

Free Virtual Strongbox

Waive Check Printing Fee

Waive Money Order Printing Fee

0.15% Loan Rebate (New Loans as of 2/1/22)


MEMBER ACCOUNT RELATIONSHIPS

CHECKING ACCOUNT50
IRA SHARE AND CERTIFICATE PRODUCTS20
ANY SAVINGS PRODUCT WITH NEGATIVE BALANCE-200
AGGREGATE BALANCE FROM $1,500 TO $24,99915
AGGREGATE BALANCE FROM $25,000-$49,99925
AGGREGATE BALANCE FROM $50,000-$99,99935
AGGREGATE BALANCE FROM $100,000+45
PAYROLL WITH DEPOSITS OF AT LEAST $1,500/ MONTH50
ACH WITH DEPOSITS OF AT LEAST $1,500/ MONTH50
COMPLETED LOAN PAYMENT VIA AFT25
COMPLETED LOAN PAYMENT VIA ACH25

MEMBER LOAN RELATIONSHIPS

FIRST MORTGAGE50
HOME EQUITY25
ALL OTHER LOANS10
ANY LOAN PRODUCT AT A DELINQUENCY LEVEL OF 2 OR ABOVE-200
AGGREGATE BALANCE FROM $1,500-$24,99930
AGGREGATE BALANCE FROM $25,000-$49,99940
AGGREGATE BALANCE FROM $50,000-$99,99950
AGGREGATE BALANCE FROM $100,000+60

SELF SERVICE

# OF DEBIT CARD TRANSACTIONS UP TO 1920
# OF DEBIT CARD TRANSACTIONS UP FROM 20-2930
# OF DEBIT CARD TRANSACTIONS UP FROM 30-3940
# OF DEBIT CARD TRANSACTIONS UP FROM 40-99950
DOLLAR AMOUNT OF DEBIT CARD TRANS UP TO $99910
DOLLAR AMOUNT OF DEBIT CARD TRANS FROM $1,000-$1,99915
DOLLAR AMOUNT OF DEBIT CARD TRANS FROM $2,000-$3,99920
DOLLAR AMOUNT OF DEBIT CARD TRANS FROM $4,000+25
ACTIVE ONLINE BANKING25
E-STATEMENTS50
BILL-PAYMENT50
VALID E-MAIL ADDRESS25
E-NOTICES SUBSCRIPTION10
E-ALERTS SUBSCRIPTION10
MOBILE TEXT BANKING10
MOBILE WEB BANKING-ACTIVE25
WRONG ADDRESS-200

Points are calculated monthly. Loan rebates are available for loans booked after 2.1.2022. Subject to change at any time.


IRFCU is accepting Board applications and nominees until December 18, 2022. Click to Apply