Home Banking — Your Key to 24-Hour Service

Even when our doors are closed, you’ve always got a “key” with our convenient On-Line Home Banking service. Just log on to our web site from any computer with Internet access, any time 24 hours a day, 7 days a week. To begin using the system, just contact us for your private account access code.


Check your account balances

  • View your account history
  • Transfer funds between accounts
  • Take loan payments
  • And much more!

We’ve taken great care to ensure the security of our Home Banking system, so you can conduct your transactions with complete peace of mind. Best of all, Home Banking is completely free! Whenever you need to use your credit union accounts, Home Banking is there to make it possible.


Thank you for your interest in Online Independent Federal Credit Union. Not everyone has the opportunity to participate in a not-for-profit full service financial institution. Those who are able to enjoy the many benefits of Credit Union membership reap both the financial and personal rewards we deliver to each of our members.

What makes OIFCU unique? It’s our guarantee that unlike any other financial institution, we consistently implement our philosophy of Our Members Come First. We know that all of our members receive accurate and dependable service, delivered with a smile! We know that the more you use your Credit Union, the more you will realize we all work together for the good of the membership.

Your membership is important to us. As a member, you have a vote in how your Credit Union operates, since it is owned and operated based solely on the needs of the membership. Each year an annual meeting is held and every member has the ability to vote for their Credit Union Board of Directors and/or to serve as a director or volunteer for other committees. One vote per member, regardless of the amount you have on deposit. Can you say that about your bank?

Please call us. We want to give you the opportunity to join us and acquire the many benefits of Credit Union Membership.


There are many benefits of being a member of Online Independent Federal Credit Union. Everything from helping you find a new vehicle to Magic Kingdom Club discounts. OIFCU is always searching for additional products and services that can make your life easier and more affordable.

Accessibility Options:

  • Visa Check Card
  • Direct Deposit
  • Payroll Deduction
  • Moneyline
  • 24 Hour Audio Response
  • Night Depository
  • Drive Through Window
  • CURTS Reciprocal Offices
  • Bank by Mail


  • Kelley Blue Book Quotes
  • Auto Brokerage Services
  • Costco Gold Card Membership
  • Notary Service
  • Get Away Today Travel Service
  • Prepaid Legal Service