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We Continue To Remain Open

Interra is pleased to announce our lobbies will open on May 11th with limited services. This decision has been made after extensive preparation while remaining focused on the safety of our members and staff. It has been developed as part of a multi-step process in order to safely return to normal routines in the future.

Lobby services available beginning 5/11/20 are as follows:

  • Account opening
  • Personal and car loan
  • Lost, stolen or damaged debit card
  • Safe deposit box
  • Notary service
  • Services made by appointment (call 574-534-2506 to schedule)

Teller transactions will continue to be served at our drive-thru. No teller services will be available in most of our lobbies. The offices that will offer teller transactions at this time are Bremen, Plymouth & Topeka. Learn more about Interra’s lobby hours, special accommodations for seniors and members with chronic health conditions, safety precautions, and much more by clicking on the below Branch Re-Opening FAQ.

Q:

When will Interra’s branch lobbies be opening?

A:

On Monday, May 11th, Interra offices will begin to open with limited lobby services. Services in the lobby include:

  • Account opening
  • Personal or car loan
  • Lost, stolen or damaged debit card
  • Safe deposit box
  • Notary services
  • Services made by appointment (call 574-534-2506 to schedule)
Q:

Can teller transactions occur in the lobby?

A:

No. Because our lobbies are open with limited services, Interra branches will not have in-branch teller transaction services until further notice. Teller transactions can be completed at the drive-thru with additional deposit options at our night deposit and mobile app. The only exception is our 3 offices with no drive-thru. Bremen, Plymouth and Topeka offices can complete teller transactions in the lobby.

Q:

What are the branch hours?

A:

Monday – Friday 8:30 am – 5:00 pm
Saturday 8:30 am – 12:00 pm

Plymouth only
Monday – Friday 8:30 am – 4:00 pm

Exclusive hours for seniors and members with chronic health conditions.
Monday - Thursday 8:30 am – 9:00 am

Q:

Will any branches have full lobby services?

A:

Yes. Our 3 offices without drive-thru capabilities will have teller services. Those branches are: Bremen, Plymouth and Topeka. Until further notice, all other branches will have limited lobby services and no in-branch teller capabilities.

Q:

Where should I make a deposit or withdrawal?

A:

Interra’s drive-thru lanes remain open for teller transactions. And on Fridays only, the drive-thru has extended hours until 6:00 pm.

Q:

How else can I make deposit?

A:

In addition to our drive-thru, here are 2 other ways you can make a deposit.

  1. Mobile Deposit. A record number of Interra members started using mobile deposit and have learned of the ease and convenience of it. Once enrolled in online banking, you can use the Interra app to sign, snap and send your deposit. It’s completely safe and secure! Find out more here.

  2. Night Deposit Boxes. During this time, you may also make a deposit at Interra’s night deposit boxes at any time. They are checked periodically throughout normal business hours to best ensure same-day deposits into your account. If a deposit is made after hours, it will be processed the following business day.
Q:

What loan services will be available?

A:

Branch advisors will be able to provide in-branch assistance for personal or car loans. Members can also save time and find extra convenience by completing loan applications online.

All mortgage, agribusiness and business lending needs will be assisted online due to some staff continuing to work from home during this time. (Remember, because of the low rate environment, we are still experiencing high loan requests which may slightly delay inquiry responses.) If you have any questions, you may contact your personal lender directly or call 574-534-2506.

Q:

Why are there limited services for the re-opening?

A:

Interra remains committed to the safety of our members and employees. Limited services allow our members in-branch assistance while adhering to the proper safety guidelines. We will continue to monitor and follow increased opening guidelines and phases as well as remain focused on the safety of our members and staff.

Q:

What safety measures are being taken?

A:

In an effort to continue protecting our staff and members, Interra will follow the necessary guidelines established by the CDC and governmental leadership. This includes, but is not limited to:

  • Proactive measures to maintain 6’ social distancing where feasible.
  • Interra staff working in lobbies and offices will wear masks. (We recommend in-branch visitors do the same.)
  • All individuals entering the building will check in with an Interra employee in order to follow social distancing and assistance throughout the branch.
  • Hand sanitation stations made available.
  • High traffic touch points in the branch and drive-thru disinfected throughout the day.
  • Shareable materials in lobbies such as brochures, newspapers and coffee stations will be temporarily removed or unavailable.
  • Daily overnight branch cleaning and disinfecting.
Q:

Can the branches properly handle social distancing?

A:

Branch size will determine the number of individuals allowed inside it in order to allow for proper social distancing.

Q:

What should branch visitors do?

A:

We ask that you please be patient.

  • There may be increased lines for service both in our lobbies and at the drive-thru lanes. Save on these wait times by using Interra’s technology banking. It provides many services right at your fingertips without needing to enter an Interra branch.
  • Be aware of your own health. If you’re experiencing any unhealthy symptoms, please avoid using the lobby services at this time.
Q:

When will the branches be open with full-service again?

A:

Although no exact date has been determined, Interra will continue to cautiously evaluate next steps in order to increase lobby services while maintaining the safety for all.

Q:

How can I make an appointment?

A:

Contact us at 574-534-2506 and we can direct you to a lender (mortgage, agribusiness, business) or a wealth management advisor to schedule an appointment. Due to the safety of our members and staff, some appointments will be completed virtually and not in-person.

We sure have missed you in the lobby, but many of our members have found they can access the majority of their banking needs using alternative services. This includes our drive-thru and technology banking such as online banking, mobile deposits, and online loan applications and payments. We encourage you to continue to use these resources for your banking convenience or learn more.

Hard as we try, our drive-thru lanes may have prolonged wait times. Here are 2 additional ways you can make a deposit.

  1. Mobile Deposit. Just sign, snap and send. Learn more here.
  2. Night Deposit Boxes. Complete a deposit envelope and drop your deposit in the branch’s night deposit box. Deposits made during normal business hours will be posted the same business day. Deposits made after business hours will be posted on the next business day.
IN Together Logo

Interra Financial Relief Package

Standing firmly beside our members, Interra has developed the Interra Financial Relief Package1 to assist those who have experienced a loss of income or hardship due to COVID-19.

Loan Deferment

If you currently have a loan or credit card with Interra Credit Union, your loan may be eligible for a 90 day deferment.2 This includes:

  • Consumer loan
  • Auto loan
  • Home Equity Line of Credit (HELOC)
  • Interra credit card
  • Agribusiness loan (monthly P&I only)
  • Business loan (monthly P&I only)

A father and son play in their home.

Personal Loan

This personal loan can be used for whatever you deem necessary. It is offered up to $2000 in funding and features:

  • Rate special as low as 5.990% APR3
  • Loan processing fee waived
  • 12-month funding
  • First payment deferred for 60 days from loan closing
Personal Loans

Auto Loan

For those who find themselves needing to quickly purchase a vehicle.

  • Offered at both Interra and our preferred auto dealers
  • First payment deferred for 90 days from loan closing
  • Refinanced auto loan from another financial institution eligible for 90 day first payment deferral
A couple shop for a new car.

Interra Consumer and Business Credit Card

With quick approvals, low rates, great benefits and a 21-day grace period on purchases.


consumer CARD Learn More
Business Card Learn and Apply
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Technology Banking

If you’re not enrolled in Interra’s FREE online banking4 or haven’t downloaded the mobile app5, you’re missing convenient and easy resources to:

  • Keep an eye on your balances and transactions
  • Manage transfers
  • Make loan payments
  • Pay bills
  • Make a mobile check deposit
A husband and wife look at a laptop in their home.

Business Relief Loan-NEW

Businesses who are in good standing and have been a member of Interra since March 1, 2020 or before, are eligible to apply for assistance with this business relief loan.6

  • Lending up to $10,000
  • 2.99% APR for 6 month loan; 3.49% APR for 12 month loan
  • Single pay due at maturity (P&I)
  • Loan is unsecured
  • Loan processing fee waived
A man works on a computer next to a large scale printer.

SBA’s Economic Injury Disaster Loan Program

Businesses that have suffered working capital loss due to COVID-19 pandemic may be eligible for this loan. Proceeds can assist with fixed debt payments, payroll, accounts payable, lease payments, insurance and more.

  • $2,000,000 maximum loan amount (including affiliate entities)
  • 3.75% APR; Non-Profit 2.75% APR
  • Up to 30-year term7
  • Deferred payments for first 11 months
  • No collateral required for loans of $25,000 or less

Applications for loans and payments are made directly through the Small Business Administration (SBA), not Interra Credit Union.

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SBA’s Coronavirus Aid, Relief, and Economic Security (CARE) Act and Paycheck Protection Program (PPP)

INTERRA MEMBERS CAN NOW APPLY FOR SBA PPP LOANS.

Interra has entered into a referral partnership with Kabbage to provide Interra members access to the SBA PPP Loan program. You can apply directly through their website by clicking on the link below. As of 4/24/20, additional funds have been allocated to PPP. Kabbage is accepting and reviewing loan applications.8 You may also refer to Interra's NEW Business Relief Loan as an alternative lending option.

LEARN MORE

PPP APPLICATION CHECKLIST


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1Programs, rates, terms and conditions are subject to change without notice. All loans and credit cards are subject to credit approval and collateral review, as applicable. Interest will continue to accrue on loans skipped or deferred. 2Loan must be in current and good standing and not enrolled in Skip-A-Payment in the past 30 days. Residential mortgages and credit lines for agribusiness and business are excluded. Available until June 30, 2020. 3Annual Percentage Rate (APR) may vary based on credit qualification, loan amount and loan term. Payment example: Personal loan of $2,000 for 12-months at 5.99% APR will have a monthly payment of $173.02 including interest. 4$2.00 paper statement if not enrolled in e-statements. 5Mobile banking requires online banking enrollment first. Data charges may be imposed by your mobile network operator or internet service provider. 6Business relationship loans must not be 30 days or more delinquent. Minimum borrower or guarantor credit score of 680 is required. Guarantor required on for-profit businesses. Business Relief Loan for 6-months at 2.99% APR will have a single pay of $10,087.39, and $10,190.16 for the 12 month 3.49% APR, due at maturity including interest. If not paid in full, any loan balance remaining at maturity will be converted to a fully amortized principal and interest payment based on current lending rate at that time. Minimal underwriting requirements. Applications must be made by June 30, 2020. Program may end at any time. 7Based on individual credit approval. 8Interra is partnered with Kabbage and is offering this service based solely on convenience for our members' access.

Our Mission

To be our members’ most trusted and valued financial resource.

How You Can Continue Banking

Interra Branches

Beginning Monday, May 11

  • All Lobbies: Open with limited services (see FAQ for details)

    - Monday-Thursday 8:30 am – 9:00 am is reserved for senior citizens and members with chronic health conditions.

  • All Drive-Thrus: Open

    - Fridays only: Open until 6 pm (excluding Bremen, Plymouth & Topeka)

    - Deposits accepted at night deposit boxes

  • All ATMs: Open

  • Services made by appointment. Contact your local credit union representative or call 574-534-2506. 

  • Surcharge-free ATM nationwide

  • 5000+ shared branches with CO-OP

Interra Contact Center

  • Online chat available:

Mon-Fri   8:00 am - 5:30 pm

Saturday  8:00 am - 12:00 pm