What are the current interest rates at IH Mississippi Valley Credit Union?

Current rates for IH Mississippi Valley Credit Union include: Savings: 4.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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IH Mississippi Valley Credit Union

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IH Mississippi Valley Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, IH Mississippi Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

IH Mississippi Valley Credit Union's top rate as of October 9, 2026 is 4.00% APY on savings, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of IH Mississippi Valley Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.34%. Rates last updated and verified on 10/09/2026.

IH Mississippi Valley Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at IH Mississippi Valley Credit Union? Share your experience about IH Mississippi Valley Credit Union by leaving a review below, or read customer reviews before you decide to use IH Mississippi Valley Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.34%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

IH Mississippi Valley Credit Union
Corporate

2500 River Dr
Moline, IL 61265-1670

https://www.ihmvcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

IH Mississippi Valley Credit Union Savings Rates

Product	Rate	APY
SavingsBooster	-	4.00%
Details Qualifications Required: Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate; Rates valid as of 01/01/2026. Rates are variable and are subject to change after the account is opened. If stated, the account requires a minimum balance to earn the listed APY. Fees may reduce earnings on the account. Other conditions may apply. Please refer to IHMVCU's terms of use and account opening policies for important information and disclosures. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Balance Builder Junior Savers	-	3.00%
Details Qualifications Required: Must meet average daily balance requirements ($1 increase over previous month's balance, excluding dividends) and eStatements to earn qualified rate on balances up to $2,500, otherwise non-qualifying rate applies; Only minors under the age of 18 are eligible for a Balance Builder Junior Savers account. Must meet average daily balance requirements ($1 increase over previous month's balance, excluding dividends) and eStatements to earn qualified rate on balances up to $2,500, otherwise non-qualifying rate applies. Balances over $2,500 will earn regular savings rate; non-qualifying rate is 0.05%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

IH Mississippi Valley Credit Union’s Texas Ratio fell from 12.15% in Q3 2023 to 6.34% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.3B	6.34%	5.0	A
March 31, 2026	$2.3B	5.79%	5.0	A+
December 31, 2025	$2.3B	10.27%	5.0	A
September 30, 2025	$2.2B	15.83%	4.9	A-
June 30, 2025	$2.2B	17.48%	4.8	B+
March 31, 2025	$2.2B	15.39%	5.0	A-
December 31, 2024	$2.2B	19.32%	4.6	B
September 30, 2024	$2.2B	18.55%	4.7	B+
June 30, 2024	$2.2B	15.46%	5.0	A-
March 31, 2024	$2.2B	12.55%	5.0	A
December 31, 2023	$2.1B	14.03%	5.0	A-
September 30, 2023	$2.1B	12.15%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for IH Mississippi Valley Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather IH Mississippi Valley Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with IH Mississippi Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IH Mississippi Valley Credit Union

Website https://www.ihmvcu.org

Address 2500 River Dr, Moline, IL 61265-1670

Phone 309-793-6200

Fax

President Sam Kupresin

CEO Brian Laufenberg

Full-Time Employees 416

Part-Time Employees 27

Branch Locations 14

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.34%

Return on Assets (ROA)

0.5571%

Return on Equity (ROE)

6.1315%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

2,296,283,708

Total Amount of Shares and Deposits

2,017,686,447

Total Shares and Deposits < 1 Year

1,943,415,396

Total Shares and Deposits 1 3 Years

71,895,497

Total Shares and Deposits > 3 Years

2,375,554

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

180,847,744

Total Uninsured Shares and Deposits > $250K (F+J)

180,847,744

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,836,838,703

Total Interest Expense (Sum of items 6 8)

22,094,832

Share Certificates

19,502

Number of Accounts for Share Drafts

89,036

IRA KEOGH Accounts

4,141

Number of Accounts for Regular Shares

186,290

All other shares

924

Non Member Deposits

Money Market Shares

2,378

Net Income (unless the amount is already included in Undivided Earnings)

12,792,466

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

92,056,691

Total Liabilities

2,095,407,774

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

IH Mississippi Valley Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/i-h-mississippi-valley-credit-union-rates-review-60337">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About IH Mississippi Valley Credit Union

How many branches does IH Mississippi Valley Credit Union operate?

IH Mississippi Valley Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join IH Mississippi Valley Credit Union?

Yes, to access services at IH Mississippi Valley Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, IH Mississippi Valley Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, IH Mississippi Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does IH Mississippi Valley Credit Union offer online and mobile banking?

Most modern institutions like IH Mississippi Valley Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ihmvcu.org.