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 Industrial Credit Union of Whatcom County Rates & Review April 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.
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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: April 5, 2026
Industrial Credit Union of Whatcom County's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Industrial Credit Union of Whatcom County with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.07%. Rates were last updated on 04/05/2026. Industrial Credit Union of Whatcom County 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 Industrial Credit Union of Whatcom County? Share your experience about Industrial Credit Union of Whatcom County by leaving a review below, or read customer reviews before you decide to use Industrial Credit Union of Whatcom County. Industrial Credit Union of Whatcom County
State Street 1100 N State St
https://www.industrialcu.org Bellingham, WA 98225 5014 
Industrial Credit Union of Whatcom County Home Equity & HELOC
Industrial Credit Union of Whatcom County Auto Loan Rates
Industrial Credit Union of Whatcom County Credit Card Rates
Industrial Credit Union of Whatcom County Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Industrial Credit Union of Whatcom County 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 Industrial Credit Union of Whatcom County 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 Industrial Credit Union of Whatcom County's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Industrial Credit Union of Whatcom County
Website
https://www.industrialcu.org
Address
1100 N State St,
Bellingham, WA 98225 5014
Phone
360-734-2043
Fax
360-738-4937
President
Nikole Knauft
CEO
Brandon Hahnel
Full-Time Employees
104
Part-Time Employees
6
Branch Locations
6
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.07%
Return on Assets (ROA)
0.4747%
Return on Equity (ROE)
4.0945%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
395,972,152
Total Amount of Shares and Deposits
345,900,055
Total Shares and Deposits < 1 Year
336,926,602
Total Shares and Deposits 1 3 Years
8,737,372
Total Shares and Deposits > 3 Years
236,081
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,515,408
Total Uninsured Shares and Deposits > $250K (F+J)
26,515,408
Total Insured Shares and Deposits > $250K (item 17 less item K)
319,384,647
Total Interest Expense (Sum of items 6 8)
3,132,643
Share Certificates
1,463
Number of Accounts for Share Drafts
18,595
IRA KEOGH Accounts
701
Number of Accounts for Regular Shares
34,704
All other shares
567
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
49,736,228
Total Liabilities
364,778,726
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Industrial Credit Union of Whatcom CountyIs Industrial Credit Union of Whatcom County a safe place to deposit money?Yes, Industrial Credit Union of Whatcom County is considered a safe financial institution. With a Texas Ratio of 4.0650826921082%, 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 Industrial Credit Union of Whatcom County operate?Industrial Credit Union of Whatcom County 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 Industrial Credit Union of Whatcom County?Yes, to access services at Industrial Credit Union of Whatcom County, 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, Industrial Credit Union of Whatcom County 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, Industrial Credit Union of Whatcom County provides members with tools to manage their accounts and build a solid financial history. Does Industrial Credit Union of Whatcom County offer online and mobile banking?Most modern institutions like Industrial Credit Union of Whatcom County 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.industrialcu.org. Compare to Other Credit Unions
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