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Impact Credit Union Inc Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 →
| iEditorial Disclosure
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 10, 2026

Impact Credit Union Inc's top rates as of October 10, 2026 are 3.72% APY on its 12 Month CD Account, 0.05% APY on savings, 0.05% APY on checking, personal loans from 12.00% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Impact Credit Union Inc CD rates include CDs (CDs) - 12 month at 3.72%, 18 Month CD Account at 3.67%, and CDs (CDs) - 18 month at 3.67%. MonitorBankRates evaluates the financial stability of Impact Credit Union Inc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.77%. Rates last updated and verified on 10/10/2026.

Impact Credit Union Inc 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 Impact Credit Union Inc? Share your experience about Impact Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Impact Credit Union Inc.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.77%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Impact Credit Union Inc
Impact Credit Union
1455 W McPherson Hwy
Clyde, OH 43410
https://www.impactcu.org
Member NCUA
Customer Reviews
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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.

Impact Credit Union Inc CD Rates

Product Rate APY Term View More
12 Month Share Certificate Account 3.65% 3.72% 12 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 12 month 3.65% 3.72% 12 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Month Share Certificate Account 3.60% 3.67% 18 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 18 month 3.60% 3.67% 18 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Month Share Certificate Account 3.55% 3.61% 24 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 24 month 3.55% 3.61% 24 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
30 Month Share Certificate Account 3.50% 3.56% 30 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Month Share Certificate Account 3.50% 3.56% 6 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Month Share Certificate Account 3.50% 3.56% 60 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 30 month 3.50% 3.56% 30 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 6 month 3.50% 3.56% 6 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 60 month 3.50% 3.56% 60 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Month Share Certificate Account 3.45% 3.51% 36 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Month Share Certificate Account 3.45% 3.51% 48 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 36 month 3.45% 3.51% 36 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Certificates (CDs) - 48 month 3.45% 3.51% 48 months
Min Deposit $500
Min Balance $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Savings Rates

Product Rate APY View More
Young Members Club 0.10% 0.10%
Min Deposit $0
Min Balance $1
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Christmas & Vacation Club 0.05% 0.05%
Min Deposit $0
Min Balance $100
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Prime Share Savings 0.05% 0.05%
Min Deposit $25
Min Balance $100
Details Dividends Compounded & Paid: Quarterly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Business Savings Rates

Product Rate APY View More
Business Christmas & Vacation Club 0.05% 0.05%
Min Deposit $0
Min Balance $100
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Business Prime Share Savings 0.05% 0.05%
Min Deposit $25
Min Balance $100
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Checking Rates

Product Rate APY View More
Share Checking Account 0.02% 0.02%
Min Deposit $0
Min Balance $1,000
Details Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Business Checking Rates

Product Rate APY View More
Member Business Checking 0.05% 0.05%
Min Deposit $0
Min Balance $15,000
Details Balance: $15,000 and up; Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Business Share Checking Account 0.02% 0.02%
Min Deposit $0
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Member Business Checking 0.02% 0.02%
Min Deposit $0
Min Balance $5,000
Details Balance: $5,000-$14,999.99; Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.50%
Details As low as; LTV 80% or less; Other terms and conditions may apply and are subject to change without notice.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.99%
Details As low as; 2020 and Newer; Other terms and conditions may apply and are subject to change without notice.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Credit Card Rates

Product Rate APR View More
VISA Platinum Credit Card - 9.99%
Details As Low As; Visa Credit Card
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Personal Loan Rates

Product APR Term View More
Unsecured Loan 12.00%
Details As Low As; Unsecured Loans
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%

Impact Credit Union Inc Other Rates

Product Rate Points APY/APR Term View More
New and Used 2023 and newer Loan - - 6.49%
Details As Low As; Vehicles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 10, 2026: 6.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New and Used 2023 and newer Loan - - 8.49%
Details As Low As; Motorcycles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 10, 2026: 8.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
PSL Line-of-Credit Loan - - 13.00%
Details As Low As; Line of Credit
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75%
12.25%12.88%13.50%Sep 14, 2026: 12.75% APROct 10, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202613.00%▲ from 12.75%
  • Sep 14, 202612.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2015 and older Loan - - 7.24%
Details As Low As; Vehicles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 10, 2026: 7.24% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2015 and older Loan - - 9.49%
Details As Low As; Motorcycles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 10, 2026: 9.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2015 and older Loan - - 11.99%
Details As Low As; RVs
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 10, 2026: 11.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2019 - 2016 Loan - - 7.24%
Details As Low As; Vehicles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 10, 2026: 7.24% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2019 - 2016 Loan - - 9.24%
Details As Low As; Motorcycles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.24% APR
8.74%9.24%9.74%Oct 10, 2026: 9.24% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2019 - 2016 Loan - - 10.49%
Details As Low As; RVs
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 10, 2026: 10.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2022 - 2020 Loan - - 6.49%
Details As Low As; Vehicles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 10, 2026: 6.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2022 - 2020 Loan - - 8.99%
Details As Low As; Motorcycles
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 10, 2026: 8.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used 2022 - 2020 Loan - - 9.49%
Details As Low As; RVs
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 10, 2026: 9.49% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Business Insured Money Fund 0.75% - 0.75%
Min Deposit $0
Min Balance $2,000
Details Balance: $2000-$14,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Business Insured Money Fund 1.75% - 1.76%
Min Deposit $0
Min Balance $2,000
Details Balance: $15,000-$49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Business Insured Money Fund 2.50% - 2.53%
Min Deposit $0
Min Balance $2,000
Details $50,000 & up
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Insured Money Fund 0.75% - 0.75%
Min Deposit $0
Min Balance $2,000
Details Balance: $2000-$14,999.99; Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Insured Money Fund 1.75% - 1.76%
Min Deposit $0
Min Balance $2,000
Details Balance: $15,000-$49,999.99; Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Insured Money Fund 2.50% - 2.53%
Min Deposit $0
Min Balance $2,000
Details Balance: $50,000 & up; Dividends Compounded & Paid: Monthly
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
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.
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Financial Health History

Impact Credit Union Inc’s Texas Ratio rose from 1.11% in Q3 2023 to 2.77% 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.

0% 1.0★ 1.9% 2.0★ 3.9% 3.0★ 5.8% 4.0★ 7.7% 5.0★ Healthy zone – entire history below the 15% limit 1.11% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.77% A+ Q2 2026
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
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$206M2.77%5.0A+
March 31, 2026$208M2.11%5.0A+
December 31, 2025$201M1.79%5.0A+
September 30, 2025$200M5.71%5.0A+
June 30, 2025$195M0.75%5.0A+
March 31, 2025$194M1.03%5.0A+
December 31, 2024$186M2.35%5.0A+
September 30, 2024$184M2.24%5.0A+
June 30, 2024$182M1.50%5.0A+
March 31, 2024$184M1.70%5.0A+
December 31, 2023$178M3.79%5.0A+
September 30, 2023$179M1.11%5.0A+
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 Impact Credit Union Inc 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 Impact Credit Union Inc 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 Impact Credit Union Inc's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Impact Credit Union Inc
Website https://www.impactcu.org
Address 1455 W McPherson Hwy, Clyde, OH 43410
Phone 419-547-7781
Fax 419-547-6669
President Nicholas Courtright
CEO Scott Hicks
Full-Time Employees 48
Part-Time Employees 5
Branch Locations 5
ATM Locations 4
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.77%
Return on Assets (ROA)
0.1448%
Return on Equity (ROE)
1.6356%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
205,662,323
Total Amount of Shares and Deposits
185,704,082
Total Shares and Deposits < 1 Year
178,354,797
Total Shares and Deposits 1 3 Years
6,591,210
Total Shares and Deposits > 3 Years
758,075
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,970,636
Total Uninsured Shares and Deposits > $250K (F+J)
4,970,636
Total Insured Shares and Deposits > $250K (item 17 less item K)
180,733,446
Total Interest Expense (Sum of items 6 8)
1,341,064
Share Certificates
1,410
Number of Accounts for Share Drafts
9,033
IRA KEOGH Accounts
620
Number of Accounts for Regular Shares
19,305
Money Market Shares
1,571
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)
25,770,172
Total Liabilities
187,827,190
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Impact Credit Union Inc 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.

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

Customer Reviews

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Frequently Asked Questions About Impact Credit Union Inc

How many branches does Impact Credit Union Inc operate?

Impact Credit Union Inc 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 Impact Credit Union Inc?

Yes, to access services at Impact Credit Union Inc, 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, Impact Credit Union Inc 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, Impact Credit Union Inc provides members with tools to manage their accounts and build a solid financial history.

Does Impact Credit Union Inc offer online and mobile banking?

Most modern institutions like Impact Credit Union Inc 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.impactcu.org.

Current Impact Credit Union Inc Rates

  • 12-Month CD3.72%
  • 18-Month CD3.67%
  • 24-Month CD3.61%
  • 60-Month CD3.56%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.

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