Business Details
Your Trusted Credit Union in Warsaw, IN
Indiana Lakes FCU has served the Warsaw, IN community for over four decades, dedicated to providing personalized financial solutions. Our institution operates on the principle of 'People helping People,' offering a wide range of services including auto loans, home equity loans, personal loans, checking accounts, savings accounts, certificates, and online banking tools. With a focus on community engagement and financial education, we prioritize member needs through competitive rates, secure NCUA-insured accounts, and convenient 24/7 ATM access via our Alliance One partnership.Our team emphasizes transparency, ethical practices, and tailored support for individuals and families across Kosciusko County. Through initiatives like our Special Assistance Plan, we demonstrate commitment to member well-being during challenging times while maintaining rigorous security standards for all transactions.
Services
Auto Loans
Home Equity Loans
Personal Loans
Checking Accounts
Savings Accounts
Certificates
Online Banking
Mobile Banking
Bill Pay
ATM Network
Highlights and features
- We offer over 40 years of community-focused financial expertise in Kosciusko County
- Our NCUA-insured accounts guarantee up to $250,000 in federal protection
- 24/7 surcharge-free ATM access through Alliance One's 43-state network
- Personalized loan deferral programs during financial hardships like the COVID-19 pandemic
- Local decision-making for customized financial solutions tailored to member needs
Associations and certifications
- NCUA
Services
Auto Loans
We provide competitive auto loan options for new and used vehicle purchases with flexible terms. Our financing specialists help members secure favorable rates based on creditworthiness and financial history. As a local credit union, we offer personalized guidance throughout the car-buying process while maintaining transparent fee structures.
Home Equity Loans
Our home equity loan programs enable members to leverage property equity for major expenses. We offer fixed-rate options and HELOCs with customizable repayment schedules. These secured loans feature competitive APRs and are particularly popular for home improvements, debt consolidation, or education funding.
Checking Accounts
We offer multiple checking account options including no-minimum, interest-bearing, and club accounts. Members benefit from free online bill pay, mobile check deposit, and nationwide ATM access. Our accounts feature no hidden fees and include complimentary e-statements for digital financial management.
Online Banking
Our comprehensive online banking platform allows 24/7 account management from any device. Features include real-time transaction tracking, instant fund transfers, and secure document sharing. The mobile app provides additional functionality like mobile check deposit and card control options for enhanced security.
Special Assistance Plan
This program offers temporary relief for members facing financial hardships like the COVID-19 pandemic. We provide fee waivers, payment deferrals, and specialized hardship loans with prime-rate APRs. Eligibility requires 12 months of good-standing membership and documentation of income disruption.
Questions
What financial services does Indiana Lakes FCU offer?
We provide auto loans, home equity loans, personal loans, checking and savings accounts, certificates, online banking, mobile banking, and bill pay services.
Who can join Indiana Lakes FCU?
Anyone who lives, works, worships, or attends school in Warsaw or Kosciusko County, Indiana, is eligible for membership.
What are your branch hours?
Our main office is open Monday-Friday 9:00 AM-5:00 PM and Saturday 9:00 AM-12:00 PM for both lobby and drive-up services.
How can I access my account outside business hours?
Use our 24/7 online banking portal, mobile app, or Alliance One ATMs for surcharge-free cash access in 43 states.
Is my money safe at Indiana Lakes FCU?
Yes, all accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Do you offer financial assistance during emergencies?
We provide special assistance programs including loan deferrals, fee waivers, and hardship loans for members impacted by financial crises.
Reviews (3)
Shane Smalley
Dec 24, 2019
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First bank I've ever had..and likely the last since they have never done me wrong and are all great people who respect they're line of work and you..Each and every time
Lori Shortz
Jul 30, 2016
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I've been banking here for years, and the customer service is excellent! The ladies are all very knowledgable, prompt and curteous. Indiana Lakes is my home town bank!
Barnabas Brown
Dec 20, 2014
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Dave is an excellent guy! They were able to get my first house loan at a really good price. enjoy the smaller family friendly atmosphere.
