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Industrial Credit Union of Whatcom County

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Industrial Credit Union of Whatcom County Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Industrial Credit Union of Whatcom County rates to other rates in our database, including 12-month share certificate rates currently at 1.51%, 6-month share certificate rates at 2.00% and 3-month share certificate rates at 3.60%. Savings rates are at 0.50% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to Industrial Credit Union of Whatcom County rates. 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 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.07%

Excellent Lower than avg

Industrial Credit Union of Whatcom County
State Street

1100 N State St
Bellingham, WA 98225 5014

https://www.industrialcu.org

Current Rate Availability

We do not have Industrial Credit Union of Whatcom County rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Customer Reviews

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Frequently Asked Questions About Industrial Credit Union of Whatcom County

Is 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.