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iAdvertiser Disclosure
Advertiser Disclosure
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 Impact Credit Union Inc Rates & Review November 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 and Verified: October 30, 2026
Impact Credit Union Inc's CD - 12 month rates are at 3.72%, CD - 18 month rates are at 3.67%, CD - 24 month rates are at 3.61%, CD - 30 month rates are at 3.56%, CD - 6 month rates are at 3.56%. Impact Credit Union Inc's savings rates are at 0.05%. Impact Credit Union Inc's checking rates are as high as 0.05%. Impact Credit Union Inc's Personal Loan Rates are as low as 12.00%. Impact Credit Union Inc's Credit Card Rates are at 9.99%. Impact Credit Union Inc's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026. 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. Impact Credit Union Inc
Impact Credit Union 1455 W McPherson Hwy
https://www.impactcu.org Clyde, OH 43410  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
Impact Credit Union Inc Savings Rates
Impact Credit Union Inc Checking Rates
Impact Credit Union Inc Business Checking Rates
Impact Credit Union Inc Home Equity & HELOC
Impact Credit Union Inc Auto Loan Rates
Impact Credit Union Inc RV, Boat and Powersport Loan Rates
Impact Credit Union Inc Credit Card Rates
Impact Credit Union Inc Personal Loan Rates
Impact Credit Union Inc Other Rates
Financial Health HistoryImpact 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. 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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Impact Credit Union IncDoes Impact Credit Union Inc offer CDs?Yes. Impact Credit Union Inc current CD rates include its CD - 12 month at 3.72% APY, its CD - 18 month at 3.67% APY and its CD - 24 month at 3.61% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Impact Credit Union Inc NCUA insured?Yes. Impact Credit Union Inc 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 Impact Credit Union Inc?The highest Impact Credit Union Inc CD rate is its CD - 12 month at 3.72% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Impact Credit Union Inc offer?Impact Credit Union Inc CD rates are 3.56% APY for a 6 month CD, 3.72% APY for a 12 month CD, 3.67% APY for an 18 month CD, 3.61% APY for a 2 year CD, 3.56% APY for a 30 month CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Impact Credit Union Inc for its full lineup. What is the highest savings rate at Impact Credit Union Inc?The highest Impact Credit Union Inc savings rate is its Prime Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Impact Credit Union Inc?The highest Impact Credit Union Inc checking rate is its Member Business Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Impact Credit Union Inc?The lowest Impact Credit Union Inc auto loan rate is its Vehicles - New and Used 2023 and newer Loan at 6.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Impact Credit Union Inc?The lowest Impact Credit Union Inc personal loan rate is its Unsecured Loans - Unsecured at 12.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Impact Credit Union Inc?The lowest Impact Credit Union Inc credit card APR is its VISA Platinum Credit Card at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Impact Credit Union Inc rates compare?Impact Credit Union Inc's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. Impact Credit Union Inc's top rates are its CD - 12 month at 3.72% APY, its Prime Savings at 0.05% APY, its Member Business Checking at 0.05% APY, its Unsecured Loans - Unsecured at 12.00% APR and its VISA Platinum Credit Card at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current Impact Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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