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ILWU 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
ILWU Federal Credit Union's CDs Tier 4 - 12 month rates are at 3.80%, CDs Tier 4 - 48 month rates are at 3.80%, CDs Tier 4 - 6 month rates are at 3.80%, CDs Tier 4 - 60 month rates are at 3.80%, CDs Tier 3 - 12 month rates are at 3.70%. ILWU Federal Credit Union's savings rates are at 0.05%. ILWU Federal Credit Union's money market rates are at 0.65%. ILWU Federal Credit Union's checking rates are as high as 0.05%. ILWU Federal Credit Union's First Mortgage - Conforming - Fixed Rate 10 Years rates are at 5.75%, First Mortgage - Conforming - Fixed Rate 15 Years rates are at 5.88%, First Mortgage - Conforming - Fixed Rate 20 Years rates are at 6.12%, First Mortgage - Conforming - Fixed Rate 30 Years rates are at 6.25%, First Mortgage - Jumbo - Fixed Rate 15 Years rates are at 6.38%. ILWU Federal Credit Union's Personal Loan Rates are as low as 6.74%. ILWU Federal Credit Union's Credit Card Rates are at 9.95%. ILWU Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of ILWU Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.01%. Rates last updated and verified on 10/29/2026.
ILWU 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 ILWU Federal Credit Union? Share your experience about ILWU Federal Credit Union by leaving a review below, or read customer reviews before you decide to use ILWU Federal Credit Union.
ILWU Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
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
ILWU 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
?
6.01%
ExcellentLower than avg
ILWU Federal Credit Union Texas Ratio
ILWU Federal Credit Union's Texas Ratio is 6.01%, which is considered excellent and is lower than the national average of 6.13%.
ILWU 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.
9.53% to 6.01% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has improved 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.
ILWU Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificates Tier 4 - 12 month
3.75%
3.80%
4-12 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 48 month
3.75%
3.80%
4-48 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 6 month
3.75%
3.80%
4-6 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 60 month
3.75%
3.80%
4-60 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 12 month
3.65%
3.70%
3-12 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 48 month
3.65%
3.70%
3-48 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 6 month
3.65%
3.70%
3-6 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 60 month
3.65%
3.70%
3-60 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 12 month
3.55%
3.60%
2-12 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 48 month
3.55%
3.60%
2-48 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 6 month
3.55%
3.60%
2-6 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 60 month
3.55%
3.60%
2-60 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 12 month
3.45%
3.50%
1-12 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 48 month
3.45%
3.50%
1-48 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 6 month
3.45%
3.50%
1-6 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 60 month
3.45%
3.50%
1-60 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 36 month
2.58%
2.60%
4-36 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 36 month
2.53%
2.55%
3-36 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 36 month
2.48%
2.50%
2-36 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 24 month
2.48%
2.50%
4-24 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 24 month
2.43%
2.45%
3-24 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 36 month
2.38%
2.40%
1-36 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 24 month
2.38%
2.40%
2-24 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 24 month
2.33%
2.35%
1-24 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 4 - 18 month
2.23%
2.25%
4-18 months
Min Balance$100,000
DetailsCertificates Tier 4
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 3 - 18 month
2.18%
2.20%
3-18 months
Min Balance$50,000
DetailsCertificates Tier 3
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 2 - 18 month
2.13%
2.15%
2-18 months
Min Balance$25,000
DetailsCertificates Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Certificates Tier 1 - 18 month
2.08%
2.10%
1-18 months
Min Balance$1,000
DetailsCertificates Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Flexible Certificate - 24 month
2.03%
2.05%
24 Months
Min Balance$100,000
DetailsNot eligible for IRAs
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Flexible Certificate - 24 month
1.99%
2.00%
24 Months
Min Balance$50,000
DetailsNot eligible for IRAs
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Flexible Certificate - 24 month
1.94%
1.95%
24 Months
Min Balance$25,000
DetailsNot eligible for IRAs
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 1.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Flexible Certificate - 24 month
1.89%
1.90%
24 Months
Min Balance$1,000
DetailsNot eligible for IRAs
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 1.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Savings Rates
Product
Rate
APY
View More
Captain's Club (Children's Savings)
-
0.05%
Min Balance$5
DetailsClub Account; Min Balance: $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Holiday Club
-
0.05%
Min Balance$5
DetailsClub Account; Min Balance: $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Regular Shares
-
0.05%
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Safe Harbor Money Market Account - Tier Six
-
0.65%
Min Balance$250,000
DetailsMin Balance: $250,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Safe Harbor Money Market Account - Tier Five
-
0.55%
Min Balance$100,000
DetailsMin Balance: $100,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Safe Harbor Money Market Account - Tier Four
-
0.45%
Min Balance$50,000
DetailsMin Balance: $50,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Safe Harbor Money Market Account - Tier Three
-
0.40%
Min Balance$25,000
DetailsMin Balance: $25,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Safe Harbor Money Market Account - Tier Two
-
0.35%
Min Balance$5,000
DetailsMin Balance: $5,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Safe Harbor Money Market Account - Tier One
-
0.10%
Min Balance$1,000
DetailsMin Balance: $1,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Checking Rates
Product
Rate
APY
View More
FREE Checking
-
0.05%
Min Balance$0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
First Mortgage - Conforming - Fixed Rate 10 Years
5.75%
0.750
6.105%
10 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.11% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 15 Years
5.875%
0.750
6.126%
15 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 10 Years
6.00%
0.000
6.192%
10 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 15 Years
6.125%
0.000
6.261%
15 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.26% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 20 Years
6.125%
0.500
6.295%
20 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 30 Years
6.25%
0.500
6.379%
30 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 20 Years
6.375%
0.000
6.485%
20 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 15 Years
6.375%
0.625
6.537%
15 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Conforming - Fixed Rate 30 Years
6.50%
0.000
6.584%
30 years
DetailsAmounts up to $832,750; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.58% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 20 Years
6.50%
0.625
6.63%
20 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 15 Years
6.625%
0.000
6.689%
15 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 30 Years
6.625%
0.625
6.724%
30 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.72% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 20 Years
6.75%
0.000
6.802%
20 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Mortgage - Jumbo - Fixed Rate 30 Years
6.875%
0.000
6.915%
30 years
DetailsAmounts up to $1,500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.92% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC) - Variable Rate 15 Years
-
-
6.75%
15 years
DetailsAmount up to $500,000; Variable Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Home Equity Line of Credit (HELOC) - Variable Rate 25 Years
-
-
6.75%
25 years
DetailsAmount up to $500,000; Variable Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Home Equity Loan - Fixed Rate 15 Years
7.24%
-
7.507%
15 years
DetailsAmount up to $500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.51% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Home Equity Loan - Fixed Rate 10 Years
7.24%
-
7.612%
10 years
DetailsAmount up to $500,000; Fixed Rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto
-
-
4.99%
0-48 Months
DetailsAs Low As; Financing up to 125% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Auto
-
-
4.99%
49-60 Months
DetailsAs Low As; Financing up to 125% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Auto
-
-
4.99%
0-36 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Auto
-
-
4.99%
37-60 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Auto
-
-
5.24%
61-84 Months
DetailsAs Low As; Financing up to 125% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Auto
-
-
5.24%
61-72 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - New Auto
-
-
7.99%
0-48 Months
DetailsFinancing up to 110% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - New Auto
-
-
7.99%
49-60 Months
DetailsFinancing up to 110% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - Used Auto
-
-
7.99%
0-36 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - Used Auto
-
-
7.99%
37-60 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - New Auto
-
-
8.24%
61-72 Months
DetailsFinancing up to 110% for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 8.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
First Time Auto Buyer - Used Auto
-
-
8.24%
61-72 Months
Details110% financing
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 8.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycle Loan
-
5.24%
0-36 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Motorcycle Loan
-
5.24%
37-48 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Motorcycle Loan
-
5.74%
0-36 Months
Details100% financing for motorcycles up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Motorcycle Loan
-
5.74%
37-48 Months
Details100% financing for motorcycles up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Motorcycle Loan
-
5.99%
49-60 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Boat Loan
-
6.49%
0-48 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Motorcycle Loan
-
6.49%
49-60 Months
Details100% financing for motorcycles up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Boat Loan
-
6.74%
49-60 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Boat Loan
-
6.99%
61-72 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Boat Loan
-
7.24%
73-120 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New RVs Loan
-
7.24%
0-72 Months
DetailsUp to 100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New RVs Loan
-
7.49%
73-120 Months
DetailsUp to 100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New RVs Loan
-
7.74%
121-180 Months
DetailsUp to 100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned RVs Loan
-
8.24%
0-72 Months
DetailsUp to 100% financing for RVs up to 10 years old
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned RVs Loan
-
8.49%
73-120 Months
DetailsUp to 100% financing for RVs up to 10 years old
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned RVs Loan
-
8.74%
121-144 Months
DetailsUp to 100% financing for RVs up to 10 years old
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa Credit Card
-
9.95%
DetailsIntro/promo APR: 2.95%; Term: 12-Month Introductory Rate; As Low As; Up to $30,000; Intro rate expires: 12 months; Regular APR: 9.95% - 15.95%; Intro APR range printed as 2.95% - 8.95%
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.95% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Secured Credit Card
-
10.95%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.95% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Platinum CARGO Rewards Visa
-
11.45%
DetailsIntro/promo APR: 2.95%; Term: 12-Month Introductory Rate; As Low As; Up to $30,000; Intro rate expires: 12 months; Regular APR: 11.45% - 17.95%; Intro APR range printed as 2.95% - 8.95%
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.45% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
6.74%
0-12 Months
DetailsAs Low As; Up to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Solar Panel Loan
6.99%
0-60 Months
DetailsLoan amount up to $50,000; minimum loan $5,000; APR range 6.99% - 10.99%; owner-occupied single-family homes only
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Solar Panel Loan
7.49%
61-120 Months
DetailsLoan amount up to $50,000; minimum loan $5,000; APR range 7.49% - 11.49%; owner-occupied single-family homes only
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Signature Loan
7.74%
13-24 Months
DetailsAs Low As; Up to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Solar Panel Loan
7.99%
121-180 Months
DetailsLoan amount up to $50,000; minimum loan $5,000; APR range 7.99% - 11.99%; owner-occupied single-family homes only
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Signature Loan
8.74%
25-36 Months
DetailsAs Low As; Up to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Signature Loan
9.24%
37-48 Months
DetailsAs Low As; Up to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Signature Loan
9.74%
49-60 Months
DetailsAs Low As; Up to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
ILWU Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
9.99%
DetailsAs Low As; Up to $15,000; Term: Open
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Toys Loan
-
-
6.74%
0-36 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Toys Loan
-
-
7.24%
37-48 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
New Toys Loan
-
-
7.49%
49-60 Months
Details100% financing for current and prior model year
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Toys Loan
-
-
7.49%
0-36 Months
Details100% financing for toys up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Toys Loan
-
-
7.74%
37-48 Months
Details100% financing for toys up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Pre-Owned Toys Loan
-
-
7.99%
49-60 Months
Details100% financing for toys up to 5 years old
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.01%
Financial Health History
ILWU Federal Credit Union’s Texas Ratio fell from 9.53% in Q3 2023 to 6.01% 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
$608M
6.01%
5.0
A
March 31, 2026
$602M
3.34%
5.0
A+
December 31, 2025
$567M
4.23%
5.0
A+
September 30, 2025
$561M
4.51%
5.0
A+
June 30, 2025
$521M
6.90%
5.0
A
March 31, 2025
$517M
5.07%
5.0
A+
December 31, 2024
$502M
5.13%
5.0
A+
September 30, 2024
$517M
5.32%
5.0
A+
June 30, 2024
$498M
6.07%
5.0
A
March 31, 2024
$504M
5.95%
5.0
A+
December 31, 2023
$478M
7.31%
5.0
A
September 30, 2023
$470M
9.53%
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 ILWU 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 ILWU 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 ILWU Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
90,569,259
Total Uninsured Shares and Deposits > $250K (F+J)
90,569,259
Total Insured Shares and Deposits > $250K (item 17 less item K)
459,658,520
Total Interest Expense (Sum of items 6 8)
4,265,639
Share Certificates
3,076
Number of Accounts for Share Drafts
20,723
IRA KEOGH Accounts
231
Number of Accounts for Regular Shares
34,319
All other shares
1,651
Money Market Shares
3,034
Net Income (unless the amount is already included in Undivided Earnings)
3,537,835
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)
46,075,571
Total Liabilities
554,863,555
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
ILWU 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 ILWU Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
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 ILWU Federal Credit Union
Frequently Asked Questions About ILWU Federal Credit Union
Does ILWU Federal Credit Union offer CDs?
Yes. ILWU Federal Credit Union current CD rates include its CDs Tier 4 - 12 month at 3.80% APY, its CDs Tier 4 - 48 month at 3.80% APY and its CDs Tier 4 - 6 month at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from ILWU Federal Credit Union NCUA insured?
Yes. ILWU 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 ILWU Federal Credit Union?
The highest ILWU Federal Credit Union CD rate is its CDs Tier 4 - 12 month at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does ILWU Federal Credit Union offer?
ILWU Federal Credit Union CD rates are 3.80% APY for a 6 month CD, 3.80% APY for a 12 month CD, 2.10% APY for an 18 month CD, 1.90% APY for a 2 year CD, 3.80% APY for a 4 year CD and 3.80% 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 ILWU Federal Credit Union for its full lineup.
What is the highest savings rate at ILWU Federal Credit Union?
The highest ILWU Federal Credit Union savings rate is its Captain's Club (Children's Savings) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at ILWU Federal Credit Union?
The highest ILWU Federal Credit Union money market rate is its Safe Harbor Money Market Account - Tier Six at 0.65% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at ILWU Federal Credit Union?
The highest ILWU Federal Credit Union checking rate is its FREE Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at ILWU Federal Credit Union?
The lowest ILWU Federal Credit Union 30 year fixed mortgage rate is its First Mortgage - Conforming - Fixed Rate 30 Years at 6.25%, verified by MonitorBankRates as of October 29, 2026. ILWU Federal Credit Union mortgage rates are 6.25% for a 30 year mortgage, 6.125% for a 20 year mortgage, 5.875% for a 15 year mortgage and 5.75% for a 10 year mortgage.
What is the lowest auto loan rate at ILWU Federal Credit Union?
The lowest ILWU Federal Credit Union auto loan rate is its New Auto at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at ILWU Federal Credit Union?
The lowest ILWU Federal Credit Union personal loan rate is its Signature Loan at 6.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at ILWU Federal Credit Union?
The lowest ILWU Federal Credit Union credit card APR is its Platinum Visa Credit Card at 9.95% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does ILWU Federal Credit Union operate?
ILWU 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 ILWU Federal Credit Union?
Yes, to access services at ILWU 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, ILWU 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, ILWU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does ILWU Federal Credit Union offer online and mobile banking?
Most modern institutions like ILWU 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.ilwucu.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 ILWU Federal Credit Union rates compare?
ILWU Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. ILWU Federal Credit Union's top rates are its CDs Tier 4 - 12 month at 3.80% APY, its Captain's Club (Children's Savings) at 0.05% APY, its Safe Harbor Money Market Account - Tier Six at 0.65% APY, its FREE Checking at 0.05% APY, its First Mortgage - Conforming - Fixed Rate 10 Years at 5.75%, its Signature Loan at 6.74% APR and its Platinum Visa Credit Card at 9.95% APR, verified by MonitorBankRates on October 29, 2026.
Current ILWU Federal Credit Union Rates
12-Month CD3.50%
18-Month CD2.10%
24-Month CD1.90%
60-Month CD3.50%
Savings0.05%
MMA0.65%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
