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 Industrial Credit Union of Whatcom County 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 29, 2026
Industrial Credit Union of Whatcom County's CD - 12 month rates are at 3.00%, CD - 18 month rates are at 3.00%, CD - 24 month rates are at 3.00%, Savings CD - 12 month rates are at 3.00%, Savings CD - 18 month rates are at 3.00%. Industrial Credit Union of Whatcom County's savings rates are at 2.00%. Industrial Credit Union of Whatcom County's Personal Loan Rates are as low as 9.50%. Industrial Credit Union of Whatcom County's Credit Card Rates are at 18.90%. Industrial Credit Union of Whatcom County's top CD rate of 3.00% APY on a 12 month CD is in line with the MonitorBankRates national average for that term, and it has an A+ health rating. 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 1.33%. Rates last updated and verified on 10/29/2026. 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  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. Industrial Credit Union of Whatcom County CD Rates
Industrial Credit Union of Whatcom County Savings Rates
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
Industrial Credit Union of Whatcom County Other Rates
Financial Health HistoryIndustrial Credit Union of Whatcom County’s Texas Ratio fell from 4.97% in Q3 2023 to 1.33% in Q2 2026, so its financial health has improved and is now 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; 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)
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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 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
105
Part-Time Employees
3
Branch Locations
6
ATM Locations
6
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
1.33%
Return on Assets (ROA)
0.2624%
Return on Equity (ROE)
2.1754%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
391,603,931
Total Amount of Shares and Deposits
340,659,963
Total Shares and Deposits < 1 Year
333,757,446
Total Shares and Deposits 1 3 Years
6,761,325
Total Shares and Deposits > 3 Years
141,192
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,536,299
Total Uninsured Shares and Deposits > $250K (F+J)
16,536,299
Total Insured Shares and Deposits > $250K (item 17 less item K)
324,123,664
Total Interest Expense (Sum of items 6 8)
1,886,565
Share Certificates
1,459
Number of Accounts for Share Drafts
18,668
IRA KEOGH Accounts
685
Number of Accounts for Regular Shares
34,150
All other shares
570
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)
39,322,251
Total Liabilities
359,393,278
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Industrial Credit Union of Whatcom CountyDoes Industrial Credit Union of Whatcom County offer CDs?Yes. Industrial Credit Union of Whatcom County current CD rates include its CD - 12 month at 3.00% APY, its CD - 18 month at 3.00% APY and its CD - 24 month at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Industrial Credit Union of Whatcom County NCUA insured?Yes. Industrial Credit Union of Whatcom County 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 Industrial Credit Union of Whatcom County?The highest Industrial Credit Union of Whatcom County CD rate is its CD - 12 month at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Industrial Credit Union of Whatcom County offer?Industrial Credit Union of Whatcom County CD rates are 3.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD and 2.75% 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 Industrial Credit Union of Whatcom County for its full lineup. What is the highest savings rate at Industrial Credit Union of Whatcom County?The highest Industrial Credit Union of Whatcom County savings rate is its Health Savings Account (HSA) at 2.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Industrial Credit Union of Whatcom County?The lowest Industrial Credit Union of Whatcom County auto loan rate is its Auto Loans at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Industrial Credit Union of Whatcom County?The lowest Industrial Credit Union of Whatcom County personal loan rate is its Personal Loans at 9.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Industrial Credit Union of Whatcom County?The lowest Industrial Credit Union of Whatcom County credit card APR is its Industrial Business Mastercard Credit Card at 18.90% APR, verified by MonitorBankRates as of October 29, 2026. 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. 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 Industrial Credit Union of Whatcom County rates compare?Industrial Credit Union of Whatcom County's top CD rate of 3.00% APY on a 12 month CD is in line with the MonitorBankRates national average for that term, and it has an A+ health rating. Industrial Credit Union of Whatcom County's top rates are its CD - 12 month at 3.00% APY, its Health Savings Account (HSA) at 2.00% APY, its Personal Loans at 9.50% APR and its Industrial Business Mastercard Credit Card at 18.90% APR, verified by MonitorBankRates on October 29, 2026. Current Industrial Credit Union of Whatcom County Rates
Retrieved from our database of financial products. Rates subject to change.
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