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IDB Global Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
IDB Global Federal Credit Union's 12 Month CD rates are at 3.75%, 6 Month CD rates are at 3.70%, 18 Month CD rates are at 3.65%, 24 Month CD rates are at 3.55%, 30 Month CD rates are at 3.50%. IDB Global Federal Credit Union's savings rates are at 1.26%. IDB Global Federal Credit Union's checking rates are as high as 5.00%. IDB Global Federal Credit Union's 5/1 ARM rates are at 6.60%, Primary Residence 5/1 ARM rates are at 5.38%, Primary Residence Adjustable-Rate Mortgage (ARM) - 5/1 ARM rates are at 5.38%, Primary Residence 7/1 ARM rates are at 6.25%, Primary Residence Adjustable-Rate Mortgage (ARM) - 7/1 ARM rates are at 6.25%. IDB Global Federal Credit Union's Personal Loan Rates are as low as 8.50%. IDB Global Federal Credit Union's Credit Card Rates are at 11.00%. IDB Global Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of IDB Global Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 10/29/2026.
IDB Global Federal 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 IDB Global Federal Credit Union? Share your experience about IDB Global Federal Credit Union by leaving a review below, or read customer reviews before you decide to use IDB Global Federal Credit Union.
IDB Global Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
IDB Global Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.67%
ExcellentLower than avg
IDB Global Federal Credit Union Texas Ratio
IDB Global Federal Credit Union's Texas Ratio is 0.67%, which is considered excellent and is lower than the national average of 6.13%.
IDB Global Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.62% to 0.67% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
IDB Global Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Share Certificate
3.69%
3.75%
12 months
Min Balance$250,000
DetailsBalance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
6 Month Share Certificate
3.64%
3.70%
6 months
Min Balance$250,000
DetailsBalance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
No change since Oct 23, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Country Office Loans
-
-
15.875%
DetailsAccess financing designed for your needs in your country of residence.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 15.88% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Educational Line of Credit
-
-
8.00%
120 months
DetailsLoan Review Term: 120 months; Variable rate based on index (quarterly average of six-month US treasury bill auction discount rates) plus fixed margin of 4.000%; Monthly payment 3.000% of Balance
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Oct 13, 20268.00%▲ from 7.75%
Sep 17, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Educational Loans
-
-
8.00%
DetailsInvest in your future with flexible financing to achieve your education goals.
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Oct 13, 20268.00%▲ from 7.75%
Oct 5, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate
-
-
6.50%
12 months
DetailsVariable rate; Monthly payment per $1,000: $86.30
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate
-
-
6.75%
24 months
DetailsVariable rate; Monthly payment per $1,000: $44.66
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate
-
-
7.00%
36 months
DetailsVariable rate; Monthly payment per $1,000: $30.88
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate
-
-
7.25%
48 months
DetailsVariable rate; Monthly payment per $1,000: $24.06
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate
-
-
7.50%
60 months
DetailsVariable rate; Monthly payment per $1,000: $20.04
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Special Educational Advance Loan
-
-
7.00%
15 months
DetailsMaximum term; Interest only; principal due at maturity
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 13, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Supplemental Housing Loan
-
-
7.125%
84 months
DetailsRepayment Term (in months): 84; Margin: 3.000%; Effective Date: 10-01-2026; All rates are subject to change daily
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.67%
Financial Health History
IDB Global Federal Credit Union’s Texas Ratio stayed near 0.62% in Q3 2023 to 0.67% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$842M
0.67%
5.0
A+
March 31, 2026
$846M
0.88%
5.0
A+
December 31, 2025
$826M
1.59%
5.0
A+
September 30, 2025
$821M
0.98%
5.0
A+
June 30, 2025
$825M
0.80%
5.0
A+
March 31, 2025
$823M
0.43%
5.0
A+
December 31, 2024
$803M
0.80%
5.0
A+
September 30, 2024
$800M
0.83%
5.0
A+
June 30, 2024
$788M
0.33%
5.0
A+
March 31, 2024
$800M
0.37%
5.0
A+
December 31, 2023
$794M
0.48%
5.0
A+
September 30, 2023
$777M
0.62%
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 IDB Global Federal 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 IDB Global Federal 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 IDB Global Federal Credit Union's official website for the most current offers and terms.
Address
1300 New York Ave NW,
Washington, DC 20577-0001
Phone202-623-3363
Fax202-623-3339
PresidentClaudia Franco
CEOWilliam (Chip) Lusk, Jr.
Full-Time Employees55
Part-Time Employees0
Branch Locations1
ATM Locations1
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.67%
Return on Assets (ROA)
0.2253%
Return on Equity (ROE)
1.8253%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
842,376,131
Total Amount of Shares and Deposits
713,571,571
Total Shares and Deposits < 1 Year
666,817,319
Total Shares and Deposits 1 3 Years
29,498,946
Total Shares and Deposits > 3 Years
17,255,304
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
175,174,551
Total Uninsured Shares and Deposits > $250K (F+J)
175,174,551
Total Insured Shares and Deposits > $250K (item 17 less item K)
538,397,020
Total Interest Expense (Sum of items 6 8)
5,973,599
Share Certificates
3,203
Number of Accounts for Share Drafts
14,503
Number of Accounts for Regular Shares
16,374
Net Income (unless the amount is already included in Undivided Earnings)
1,897,961
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)
25,945,535
Total Liabilities
744,727,983
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
IDB Global Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for IDB Global Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for IDB Global Federal Credit Union
Frequently Asked Questions About IDB Global Federal Credit Union
Does IDB Global Federal Credit Union offer CDs?
Yes. IDB Global Federal Credit Union current CD rates include its 12 Month CD at 3.75% APY, its 6 Month CD at 3.70% APY and its 18 Month CD at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from IDB Global Federal Credit Union NCUA insured?
Yes. IDB Global Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at IDB Global Federal Credit Union?
The highest IDB Global Federal Credit Union CD rate is its 12 Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does IDB Global Federal Credit Union offer?
IDB Global Federal Credit Union CD rates are 3.70% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.55% APY for a 2 year CD, 3.50% APY for a 30 month CD and 2.85% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with IDB Global Federal Credit Union for its full lineup.
What is the highest savings rate at IDB Global Federal Credit Union?
The highest IDB Global Federal Credit Union savings rate is its High-Yield Savings Account at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at IDB Global Federal Credit Union?
The highest IDB Global Federal Credit Union checking rate is its Kasasa Cash Rewards Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at IDB Global Federal Credit Union?
The lowest IDB Global Federal Credit Union 30 year fixed mortgage rate is its Primary Residence Fixed Rate Mortgage - 30-Year Fixed at 7.375%, verified by MonitorBankRates as of October 29, 2026. IDB Global Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.875% for a 10 year mortgage, 5.875% for a 3/1 ARM, 5.875% for a 3/3 ARM, 5.375% for a 5/1 ARM and 6.25% for a 7/1 ARM.
What is the lowest auto loan rate at IDB Global Federal Credit Union?
The lowest IDB Global Federal Credit Union auto loan rate is its Auto Loan-New Vehicle (Fixed Rate) at 3.25% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at IDB Global Federal Credit Union?
The lowest IDB Global Federal Credit Union personal loan rate is its Personal Loan - Variable Rate at 8.50% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at IDB Global Federal Credit Union?
The lowest IDB Global Federal Credit Union credit card APR is its Visa Classic Credit Card at 11.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does IDB Global Federal Credit Union operate?
IDB Global Federal 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 IDB Global Federal Credit Union?
Yes, to access services at IDB Global Federal 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, IDB Global Federal 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, IDB Global Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does IDB Global Federal Credit Union offer online and mobile banking?
Most modern institutions like IDB Global Federal 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.idbglobalfcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do IDB Global Federal Credit Union rates compare?
IDB Global Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. IDB Global Federal Credit Union's top rates are its 12 Month CD at 3.75% APY, its High-Yield Savings Account at 1.26% APY, its Kasasa Cash Rewards Checking at 5.00% APY, its Primary Residence 5/1 ARM at 5.375%, its Personal Loan - Variable Rate at 8.50% APR and its Visa Classic Credit Card at 11.00% APR, verified by MonitorBankRates on October 29, 2026.
Current IDB Global Federal Credit Union Rates
12-Month CD3.55%
18-Month CD3.40%
24-Month CD3.35%
60-Month CD2.85%
Savings1.26%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
