We provide our members with the financial tools they need to achieve their goals and dreams.

We're here 24/7 to help when you need financial support.

Access your Internationalities Federal Credit Union accounts anywhere, anytime! Apply for a loan or review your credit online 24/7 from your mobile device!

You've got dreams, we've got solutions!

Truck & Auto Loans

as low as

1.9% APR

RV & Boat Loans

as low as

5.0% APR

Signature Loans up to $7,500

as low as

9% APR


Personal Loans

Internationalities Federal Credit Union personal loans take the worry out of borrowing with predictable payments that won't change over time.


Auto Loans / Title Loans

With GAP protection, Vehicle Waranties, Debt Protection and Low Rates, IFCU has Title Loans that won't be beat!


Savings & CD's

As a member-owned nonprofit, our growth is tied directly to yours. That’s why we strive for superior support and service.


Online Banking

Online Banking provides secure access to your accounts 24/7 from anywhere, using your computer, tablet or smartphone.


Mobile Banking

Put you money in your pocket with Mobile Banking. Internationalities Federal Credit Union Mobile App can save YOU time and money!

Credit Union News-

Group 2 (6)

Public Notice!!! Annual Meeting!

Date: Thursday, February 22, 2024

Where: Carlsbad Library | Museum Hall of Fame (Entrance on Fox St.)

Time: 6:00 PM

DOOR PRIZES: Fifteen (15) $50 Dollar Bills!

(One ticket per accoutn holder. Tickets will not be issued once the meeting has been called to order.)

You Have Many Reasons to Choose Internationalites Federal Credit Union


Internationalites Federal Credit Union is a "closed" credit union. This means that membership is not open to the general public. Membership is only open to employees of the City of Carlsbad, Mosaic Potash Carlsbad Inc., Intrepid Potash, 4 Elements Oilfield Services LLC, and family members.
Learn more >>

Best Rate Guarantee

We do what we can to beat competitors' rates! Get the lowest possible rate with the benefits of Internationalities Federal Credit Union membership!

Credit Report

Stay informed about your credit activity with daily monitoring. Enjoy additional benefits and features to help you manage your financial well-being with online banking or the mobile banking app.

Need to Drop Us a Line?

Contact Us

Your voice matters at Internationalities Federal Credit Union! We love to hear from our members and want to know how we can better serve you. Please feel free to share about your credit union experience or let us know if there's something we can do improve upon what we're doing. We will listen!

Contact Us

Financial Tips and Money Sense

Protecting Our Members: Beware of Spoofing Scams – Fraud is on the Rise

In today’s fast-paced digital world, scams and cybercrimes have become increasingly sophisticated and widespread. One particular threat that we, at Internationalites Federal Credit Union, want our members to be aware of is spoofing. This deceptive tactic involves cybercriminals impersonating trusted entities to trick individuals into disclosing personal and financial information or engaging in harmful actions.…

LEARN MORE about Protecting Our Members: Beware of Spoofing Scams – Fraud is on the Rise

Introducing Our Enhanced Online Banking and Mobile App

We are thrilled to introduce you to our upgraded Online Banking and Mobile App at Internationalites Federal Credit Union. We have poured our efforts into enhancing your banking experience, and we believe the new features we’ve incorporated will revolutionize how you manage your finances. Allow me to share some of my favorite highlights that make…

LEARN MORE about Introducing Our Enhanced Online Banking and Mobile App

Investing in the Future: Why You Should Open Your Child or Grandchild an Account at Internationalites Federal Credit Union (IFCU)

As parents and grandparents, we often strive to give the younger generation a head start in life. One way to do that is by introducing them to sound financial practices early on. Opening a savings or checking account for your child or grandchild is an excellent way to instill important money management skills and set…

LEARN MORE about Investing in the Future: Why You Should Open Your Child or Grandchild an Account at Internationalites Federal Credit Union (IFCU)