Infuze Credit Union Info + Review For You
Infuze Credit Union is the non-profit financial institution we’ll be focusing on here. I’ll take you through info like their products, rates, membership eligibility and more.
By the end of reading this, you should be in a pretty good position to know if it’s the right place to put your money.
Also, at the end of this article you can add in your own personal review of ICU if you have experience with them.
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*Routing #:281580679
*Phone #: (800) 767-3928
*Locations:
PO Box 80/5000 Illinois Ave.
Fort Leonard Wood, MO 65473
PO Box 2009/1300 Historic 66 W.
Waynesville, MO 65583
PO Box 1280/395 E. HWY 32
Lebanon, MO 65536
PO Box 879/1101 N. Bishop Avenue
Rolla, MO 65401
PO Box 1768/5286 Osage Beach Parkway
Osage Beach, MO 65065
A Little History On Infuze Credit Union
Infuze was started in 1954. Since that time, they have grown to accept federal and non-federal employees as members. Today, their asset size is just over $300 million according to their NCUA profile.
You can also access cash from ICU surcharge-free at over 30,000 ATMs because of their involvement in the CO-OP network.
Do they give back at all?
Infuze Credit Union does give back to the community. They are involved with a handful of charitable causes, which is great to see. A few of those are the Waynesville Little Heroes Playground and the Relay for Life.
Their employees also donate $10 to come in once a week wearing jeans and that money goes to a few different places. Autism speaks, Hope House, and Snack in a Pack are just a few of the causes that it helps out.
Membership Requirements at Infuze Credit Union
If you want to become a member at ICU, then you will need to be living or working in one of a few counties. Those five are Benton, Camden, Hickory, Laclede, Maries, Miller, Phelps, Pulaski, and Texas.
Immediate family can get you in, too, if one of them belongs.
Products at ICU
You can find all the standard products that a bank would offer at Infuze Credit Union. There is about the same variety compared to other CU’s, so, what they do have will likely meet your needs.
It actually seems like a few credit unions out there get over the top (and gimicky-feeling) by offering many different products that just have small changes.
You can choose from personal products and business products. The personal products include checking, savings, loans, and credit cards. There are three main checking accounts: High-Rate Checking, Nationwide Checking, and Second Chance Checking.
You have three major savings accounts at Infuze Credit Union: Heroes Savings, Regular Savings, Money Market Savings, and Savings Certificates (CDs).
Loan products include home, auto, HELOC, personal loans, lines of credit, and RV/boat/motorcycle loans.
Mortgages are also available with a few options. You can choose from FHA, Conventional, USDA Renovation, and VA home loans.
Business Products at Infuze Credit Union
The business checking and savings at Infuze are pretty basic. When you open a business savings account, you will need to deposit $5 to officially become a member-owner. You won’t be able to withdraw that money since it counts as your share of Infuze Credit Union.
Rates
Loans
For a personalized rate quote, please contact them – they’d love to hear from you!
All rates listed “As Low As”. Rates effective October 1, 2021.
| Loan Type | APR* |
| New Autos | 1.74% |
| Used Autos | 2.49% |
| New and Used Motorcycles, ATVs, Personal Secured | 3.54% |
| New and Used Boats and RVs | 4.29% |
| Personal Loans | 5.99% |
| Heroes Loan | 5.49% |
| Safewriter-LOC | 10.64% |
| Home Equity Line of Credit | 4.99% |
*Annual Percentage Rate
All rates subject to change without notice.
Deposit Rates (Dividends)
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance.
Rates effective May 1, 2021
| Share Certificate Rates | |||
Maturity | $0 – $9,999 Dividend Rate / APY* | $10,000 – $24,999 Dividend Rate / APY* | $25,000 + Dividend Rate / APY* |
| 6 Month CD | .10% / .10% | .15% / .15% | .18% / .18% |
| 12 Month CD | .20% / .20% | .25% / .25% | .30% / .30% |
| 18 Month CD | n/a | n/a | n/a |
| 24 Month CD | .35% / .35% | .45% / .45% | .50% / .50% |
| 30 Month CD | n/a | n/a | n/a |
| 36 Month CD | .60% / .60% | .65% / .65% | .70% / .70% |
| 48 Month CD | .70% / .70% | .75% / .75% | .80% / .80% |
| 60 Month CD | .85% / .85% | .90% / .90% | .95% / .95% |
| Sock-it-Away CD | .17% / .17% | .21% / .21% | .23% / .23% |
| IRA Certificate Rates at Infuze Credit Union | |||
Maturity | $0 – $9,999 Dividend Rate / APY* | $10,000 – $24,999 Dividend Rate / APY* | $25,000 + Dividend Rate / APY* |
| 12 Month IRA | .10% / .10% | .15% / .15% | .18% / .18% |
| 24 Month IRA | .35% / .35% | .45% / .45% | .50% / .50% |
| 36 Month IRA | .60% / .60% | .65% / .65% | .70% / .70% |
| 48 Month IRA | .70% / .70% | .75% / .75% | .80% / .80% |
| 60 Month IRA | .85% / .85% | .90% / .90% | .95% / .95% |
| IRA Passbook | .12% / .12% | .12% / .12% | .12% / .12% |
| Share Savings, Business Share Savings, and Trust Accounts | ||
| Dividend Rate | APY* | |
| 0 – $9,999.99 | .05% | .05% |
| $10,000.00 – $24,999.99 | .10% | .10% |
| $25,000.00 + | .12% | .12% |
| Dividends compounded and paid quarterly. |
| High-Rate Checking** | ||
| Dividend Rate | APY* | |
| 0 – $25,000.00 | 1.98% | 2.00% |
| $25,000.01 + | .05% | .05% |
| Dividends compounded and paid monthly. |
| Business Checking | ||
| Dividend Rate | APY* | |
| 0 – $9,999.99 | .00% | .00% |
| $10,000.00 – $24,999.99 | .12% | .12% |
| $25,000.00 + | .15% | .15% |
| Dividends compounded and paid monthly. |
| Innovative Insured Money Market at Infuze Credit Union | ||
| Dividend Rate | APY* | |
| 0 – $9,999.99 | .05% | .05% |
| $10,000.00 – $24,999.99 | .10% | .10% |
| $25,000.00 + | .12% | .12% |
| Dividends compounded and paid monthly. |
A penalty may be imposed for early withdrawal.
All rates subject to change without notice.
*Annual Percentage Yield. CD = Certificate of Deposit. Minimum deposit $500. Penalty applies for early withdrawal. Personal accounts only. Rate available and accurate as of May 1, 2021. Membership required. Ask for details. Federally Insured by NCUA.
**Qualifications, limits, and other requirements apply to the High-Rate Checking account.
**Fees associated with these accounts may reduce your earnings**
Infuze Credit Union – Final Thoughts
This looks like a fine credit union to, wait for it, infuze your money if you are within their field of membership. They have pretty basic business products, so there are better credit unions to look for if you need a lot of things like payment processing services.
It’s great to see that they give back to the community, especially since they are a small-midsize credit union and not all of the ones that size do much. Do you have a review of this credit union? Please share it below! We just need your email in case the credit union wants to reach out and resolve any issues.
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
*This site is not affiliated with the Credit Union mentioned in this article.
