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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ih Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 27, 2026
ih Credit Union's 30 month CD rates are at 3.65%, IRA CDs 30 month CD rates are at 3.65%, CDs 11 month CD rates are at 3.59%, Special 11 month CD rates are at 3.59%, CDs 7 month CD rates are at 3.49%. ih Credit Union's savings rates are at 0.04%. MonitorBankRates evaluates the financial stability of ih Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.59%. Rates were last updated on 03/27/2026. ih 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 Credit Union? Share your experience about ih Credit Union by leaving a review below, or read customer reviews before you decide to use ih Credit Union. ih Credit Union
IH Credit Union 5000 Urbana Rd
https://www.ihcreditunion.com Springfield, OH 45502 9069 
ih Credit Union CD Rates
ih Credit Union Savings Rates
ih Credit Union Money Market Rates
ih Credit Union Checking Rates
ih Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ih 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ih Credit Union
Website
https://www.ihcreditunion.com
Address
5000 Urbana Rd,
Springfield, OH 45502 9069
Phone
937-390-1800
Fax
937-390-6400
President
Jeff Harshaw
CEO
Robb White
Full-Time Employees
54
Part-Time Employees
1
Branch Locations
4
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.59%
Return on Assets (ROA)
0.3767%
Return on Equity (ROE)
2.3894%
Non-Performing Loans Ratio (NPL)
1.78%
Total Assets
359,109,704
Total Amount of Shares and Deposits
270,231,766
Total Shares and Deposits < 1 Year
251,706,550
Total Shares and Deposits 1 3 Years
12,795,602
Total Shares and Deposits > 3 Years
5,729,611
Total Interest Expense (Sum of items 6 8)
3,857,888
Share Certificates
1,429
Number of Accounts for Share Drafts
8,291
IRA KEOGH Accounts
340
Number of Accounts for Regular Shares
20,323
Money Market Shares
1,177
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,973,581
Total Liabilities
308,795,906
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ih Credit UnionIs ih Credit Union a safe place to deposit money?Yes, ih Credit Union is considered a safe financial institution. With a Texas Ratio of 6.5924693499041%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does ih Credit Union operate?ih 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 Credit Union?Yes, to access services at ih 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does ih Credit Union offer online and mobile banking?Most modern institutions like ih 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.ihcreditunion.com. Current ih Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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