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 Industrial Credit Union of Whatcom County Rates & Review September 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 and Verified: September 22, 2026
Industrial Credit Union of Whatcom County's 12 Month CDs rates are at 3.00%, 18 Month CDs rates are at 3.00%, 24 Month CDs rates are at 3.00%, 36 Month CDs rates are at 2.75%, 48 Month CDs rates are at 2.75%. Industrial Credit Union of Whatcom County's savings rates are at 0.15%. Industrial Credit Union of Whatcom County's Industrial Credit Union 15-Year Mortgages Offer rates are at 6.90%, Industrial Credit Union 15-Year Mortgages Offer rates are at 7.00%, Industrial Credit Union 30-Year Mortgages Offer rates are at 7.00%, Industrial Credit Union 15-Year Mortgages Offer rates are at 7.00%, Industrial Credit Union 15-Year Mortgages Offer rates are at 7.12%. 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%. 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 2.19%. Rates last updated and verified on 09/22/2026. 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 CD Rates
Industrial Credit Union of Whatcom County Savings Rates
Industrial Credit Union of Whatcom County Mortgage 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 4.33% in Q2 2023 to 2.19% in Q1 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
106
Part-Time Employees
1
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
2.19%
Return on Assets (ROA)
0.0746%
Return on Equity (ROE)
0.6334%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
395,110,399
Total Amount of Shares and Deposits
344,523,658
Total Shares and Deposits < 1 Year
338,749,479
Total Shares and Deposits 1 3 Years
5,633,950
Total Shares and Deposits > 3 Years
140,229
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,026,454
Total Uninsured Shares and Deposits > $250K (F+J)
16,026,454
Total Insured Shares and Deposits > $250K (item 17 less item K)
328,497,204
Total Interest Expense (Sum of items 6 8)
947,744
Share Certificates
1,474
Number of Accounts for Share Drafts
18,611
IRA KEOGH Accounts
697
Number of Accounts for Regular Shares
34,313
All other shares
573
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)
42,625,044
Total Liabilities
363,482,474
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Industrial Credit Union of Whatcom CountyHow 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. Current Industrial Credit Union of Whatcom County Rates
Retrieved from our database of financial products. Rates subject to change.
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