What are the current interest rates at Industrial Federal Credit Union?

Current rates for Industrial Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.55%, 24-Month CD: 3.50%, 60-Month CD: 3.70%, Savings: 3.91%

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Industrial Federal Credit Union

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Industrial Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Industrial Federal Credit Union 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 and Verified: October 9, 2026

Industrial Federal Credit Union's top rates as of October 9, 2026 are 4.06% APY on its 3 Month CDs CD, 3.91% APY on savings, 2.00% APY on checking, 6.72% on its 10 Year mortgage, personal loans from 8.74% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Industrial Federal Credit Union CD rates include 12 Month CD at 3.91%, 12 Month Youth CD at 3.91%, and 12 Month CDs at 3.80%. Other Industrial Federal Credit Union mortgage rates include Mortgage - 15 Year at 6.85%, Mortgage - 20 Year at 6.97%, and FHA Loans - (30-year rate shown) at 7.10%. MonitorBankRates evaluates the financial stability of Industrial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates last updated and verified on 10/09/2026.

Industrial Federal Credit Union 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 Federal Credit Union? Share your experience about Industrial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Industrial Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Industrial Federal Credit Union
Main Office

1115 Sagamore Pkwy S
Lafayette, IN 47905

https://www.ifcu.com

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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 Federal Credit Union CD Rates

Product	Rate	APY	Term
3 Month Share Certificates	4.00%	4.06%	3 Months
Min Balance $250,000 Details Balance: $250,000+; *SPECIAL* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
12 Month Certificate	3.85%	3.91%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
12 Month Youth Share Certificate	3.85%	3.91%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
12 Month Share Certificates	3.75%	3.80%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 Month Certificate	3.70%	3.75%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 Month Youth Share Certificate	3.70%	3.75%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
60 Month Share Certificates	3.65%	3.70%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
48 Month Share Certificates	3.60%	3.65%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 Month Share Certificates	3.60%	3.65%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
36 Month Share Certificates	3.55%	3.60%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
18 Month Share Certificates	3.50%	3.55%	18 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Month Certificate	3.50%	3.55%	3 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Month Youth Share Certificate	3.50%	3.55%	3 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
30 Month Share Certificates	3.50%	3.55%	30 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
24 Month Share Certificates	3.45%	3.50%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Month Share Certificates	3.40%	3.44%	3 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $25 Details Balance: All Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Christmas Club Savings	0.25%	0.25%
Details No minimum balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Youth Savings	0.15%	0.15%
Min Deposit $5 Min Balance $0 Details Balance: $0.01-$24,999; Dividends are compounded and paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Youth Savings	0.15%	0.15%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 and over; Dividends are compounded and paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Christmas Club Savings	0.10%	0.10%
Details No minimum balance. Dividends are compounded and paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Regular & Special Savings	0.10%	0.10%
Min Deposit $5 Min Balance $350 Details Balance: $350-$24,999; Dividends are compounded and paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Regular & Special Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 and over; Dividends are compounded and paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Checking Rates

Product	Rate	APY
Earn More Checking	-	2.00%
Min Balance $20,000 Details Qualifications Required; 15+ debit card transactions Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Classic 55 Checking	0.10%	0.10%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Teen Checking	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499; No minimum balance to open. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Teen Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500+; No minimum balance to open. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Earn More Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $20,000; Qualifications Required; 0-14 debit card transactions Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Earn More Checking	0.05%	0.05%
Min Balance $20,000 Details Qualifications Required; 0-14 debit card transactions Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Free Share Draft Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+; No minimum opening balance. Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Organizational Checking	0.05%	0.05%
Min Balance $2,500 Details Activity Level: 0-50 Transactions; Activity Level Fee: No Fee. Activity Level: 51+ Transactions; Activity Level Fee: $0.10 per teller-based transaction / $30.00 max fee per month Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Regular Share Draft Checking	0.05%	0.05%
Min Deposit $5 Min Balance $1,500 Details Balance: $1,500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Organizational Checking	0.05%	0.05%
Min Balance $2,500 Details Activity Level: 0-50 Transactions; 51+ Transactions. Activity Level Fee: No Fee; $0.10 per teller-based transaction / $30.00 max fee per month. Monthly Fee: $5.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Small Business Checking	0.05%	0.05%
Min Balance $2,500 Details Activity Level: 0-50 Teller-based Transactions; 51+ Teller-based Transactions. Activity Level Fee: No Fee; $0.10 per teller-based transaction / $30.00 max fee per month. Monthly Fee: $5.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 Year	-	-	6.725%	10 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 25, 2026 · 6.48% → 6.73% ▲ 0.25 pts · high 6.73% / low 6.48% Oct 9, 20266.73%▲ from 6.60% Sep 29, 20266.60%▲ from 6.48% Sep 25, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Mortgage - 15 Year	-	-	6.85%	15 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 25, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.60% Oct 9, 20266.85%▲ from 6.73% Sep 29, 20266.73%▲ from 6.60% Sep 25, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Mortgage - 20 Year	-	-	6.975%	20 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 6.85% → 6.98% ▲ 0.13 pts · high 6.98% / low 6.85% Oct 2, 20266.98%▲ from 6.85% Sep 25, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
FHA Loans - (30-year rate shown)	-	-	7.10%	30 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48% Sep 29, 20267.10%▲ from 6.48% Sep 14, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Mortgage - VA Loan	-	-	7.10%	30-year rate shown
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48% Oct 5, 20267.10%▲ from 6.85% Sep 25, 20266.85%▲ from 6.48% Sep 17, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
VA Loans - (30-year rate shown)	-	-	7.10%	30 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48% Sep 29, 20267.10%▲ from 6.85% Sep 25, 20266.85%▲ from 6.48% Sep 14, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Mortgage - 30 Year	-	-	7.35%	30 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 7.23% → 7.35% ▲ 0.13 pts · high 7.35% / low 7.23% Oct 2, 20267.35%▲ from 7.23% Sep 25, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Variable Rate Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Rate subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 25, 20267.00%▲ from 6.75%* Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Fixed-Rate Home Equity Loan	-	-	7.30%	5 Year
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.18% → 7.30% ▲ 0.13 pts · high 7.30% / low 7.18% Oct 9, 20267.30%▲ from 7.18% Oct 5, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Fixed-Rate Home Equity Loan	-	-	7.675%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.43% → 7.68% ▲ 0.25 pts · high 7.68% / low 7.43% Oct 9, 20267.68%▲ from 7.43% Oct 5, 20267.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Fixed-Rate Home Equity Loan	-	-	7.925%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.68% → 7.93% ▲ 0.25 pts · high 7.93% / low 7.68% Oct 9, 20267.93%▲ from 7.68% Oct 5, 20267.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto	-	-	5.74%	up to 60 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 9, 20265.74%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Auto	-	-	5.74%	61-72 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 9, 20265.74%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Used Auto	-	-	6.24%	73 to 78 months
Details As Low As; * Last Updated 10/09/2026 Rate History 3 changes since Sep 17, 2026 · 7.49% → 6.24% ▼ 1.25 pts · high 7.49% / low 5.99% Oct 9, 20266.24%▼ from 7.49% Sep 25, 20267.49%▲ from 5.99% Sep 18, 20265.99%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Auto	-	-	6.49%	up to 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Auto	-	-	6.49%	37-72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Auto	-	-	6.99%	79 to 84 months
Details As Low As; * Last Updated 10/09/2026 Rate History 3 changes since Sep 17, 2026 · 7.99% → 6.99% ▼ 1.00 pts · high 7.99% / low 6.74% Oct 9, 20266.99%▼ from 7.99% Sep 25, 20267.99%▲ from 6.74% Sep 18, 20266.74%▼ from 7.99% Sep 17, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Used Auto	-	-	7.49%	73 to 78 months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 7.49% → 7.49% ▼ 0.00 pts · high 7.49% / low 5.99% Sep 25, 20267.49%▲ from 5.99% Sep 18, 20265.99%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Auto	-	-	7.99%	79 to 84 months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 7.99% / low 6.74% Sep 25, 20267.99%▲ from 6.74% Sep 18, 20266.74%▼ from 7.99% Sep 17, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats & Watercraft Loan	-	6.99%
Details Additional APR listed for this product: 8.74%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 9, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Motorcycle Loan	-	7.25%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 7.25% ▼ 0.75 pts · high 8.00% / low 7.25% Sep 17, 20267.25%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Motorcycle Loan	-	8.00%
Details New and Used Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
New and Used Motorcycle Loan	-	8.00%
Details As Low As; * Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.00% / low 7.25% Oct 9, 20268.00%▲ from 7.25% Oct 5, 20267.25%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Campers/ ATV/ Snowmobiles/ Trailers Loan	-	8.24%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.24% → 8.24% ▼ 0.00 pts · high 8.99% / low 8.24% Oct 9, 20268.24%▼ from 8.99% Oct 5, 20268.99%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Boats & Watercraft Loan	-	8.74%
Details As Low As; * Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.74% → 8.74% ▲ 2.00 pts · high 8.74% / low 6.74% Oct 9, 20268.74%▲ from 6.74% Oct 5, 20266.74%▼ from 8.74% Sep 25, 20268.74%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Campers/ ATV/ Snowmobiles/ Trailers Loan	-	8.99%
Details As Low As; * Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.99% → 8.99% ▼ 0.00 pts · high 8.99% / low 8.24% Oct 9, 20268.99%▲ from 8.24% Sep 25, 20268.24%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic Visa Credit Card	-	11.50%
Details Additional APR listed for this product: 14.5%, 17.9%. Disclosure Rates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Visa Select Credit Card	-	16.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured / Personal Loan SPECIAL	8.74%
Details As Low As; * Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.74% → 8.74% ▼ 0.00 pts · high 9.99% / low 8.74% Oct 9, 20268.74%▼ from 9.99% Oct 5, 20269.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Unsecured / Personal Loan SPECIAL	9.99%
Details Rate is an APR. * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Industrial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Mortgage	-	-	7.30%	5 Year
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
2nd Mortgage	-	-	7.675%	10 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.68% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
2nd Mortgage	-	-	7.925%	15 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Fixed-Rate Classic	-	-	11.50%
Details APR range: 11.50%, 14.50% and 17.90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Home Improvement Loan	-	-	8.99%
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
HVAC Loan	-	-	8.24%
Details As Low As; *Rates are subject to change without notice. Rates shown are for qualified borrowers and may vary based on creditworthiness, loan amount, and term. Contact us for a personalized quote. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Land Loans - (10-year rate shown)	-	-	7.725%	10 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.35% → 7.73% ▲ 0.38 pts · high 7.73% / low 7.35% Oct 9, 20267.73%▲ from 7.48% Sep 29, 20267.48%▲ from 7.35% Sep 14, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Platinum Cash Back + Rewards Loan	-	-	12.00%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Sep 21, 202612.00%▲ from 11.75% Sep 14, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Select Cash Back + Rewards Loan	-	-	15.00%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Sep 21, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
USDA Loans - (30-year rate shown)	-	-	7.10%	30 Year
Details Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48% Sep 29, 20267.10%▲ from 6.48% Sep 14, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Funds Manager	1.00%	-	1.01%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $10,000.99; Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.11% → 1.01% ▼ 0.10 pts · high 1.11% / low 1.01% Sep 29, 20261.01%▼ from 1.11% Sep 18, 20261.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Funds Manager	1.10%	-	1.11%
Min Deposit $2,500 Min Balance $10,001 Details Balance: $10,001 - $24,999.99; Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Funds Manager	1.30%	-	1.31%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.31% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Funds Manager	1.85%	-	1.87%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $10,0000 - 249,999.99; Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Funds Manager	2.25%	-	2.27%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000+; Dividends are compounded and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	0.75%	-	0.75%
Min Deposit $500 Details Dividends are compounded and paid monthly. $25 minimum balance with Payroll Deduction. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.40%	-	3.44%	3 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.44% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.60%	-	3.65%	6 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.75%	-	3.80%	12 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.50%	-	3.55%	18 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.45%	-	3.50%	24 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.50%	-	3.55%	30 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.55%	-	3.60%	36 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.60%	-	3.65%	48 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA)	3.65%	-	3.70%	60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Individual Retirement Account (IRA) K +	4.00%	-	4.06%	3 Months
Details $250; *SPECIAL* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Introducing long-term savings for young members!	3.50%	-	3.55%	3 Months
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Introducing long-term savings for young members!	3.70%	-	3.75%	6 Months
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Introducing long-term savings for young members!	3.85%	-	3.91%	12 Months
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.91% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Industrial Federal Credit Union’s Texas Ratio fell from 6.45% in Q3 2023 to 2.84% 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 and its Health Grade from A to A+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$356M	2.84%	5.0	A+
March 31, 2026	$356M	4.01%	5.0	A+
December 31, 2025	$340M	5.18%	5.0	A+
September 30, 2025	$334M	4.82%	5.0	A+
June 30, 2025	$330M	4.20%	5.0	A+
March 31, 2025	$329M	4.74%	5.0	A+
December 31, 2024	$315M	6.96%	5.0	A
September 30, 2024	$311M	6.60%	5.0	A
June 30, 2024	$315M	6.83%	5.0	A
March 31, 2024	$320M	5.83%	5.0	A+
December 31, 2023	$313M	6.81%	5.0	A
September 30, 2023	$319M	6.45%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Industrial Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Industrial Federal Credit Union

Website https://www.ifcu.com

Address 1115 Sagamore Pkwy S, Lafayette, IN 47905

Phone 765-771-8000

Fax 765-448-1891

President Albert Davis, Jr.

CEO Kevin Umlauf

Full-Time Employees 94

Part-Time Employees 2

Branch Locations 9

ATM Locations 20

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.84%

Return on Assets (ROA)

0.6983%

Return on Equity (ROE)

7.5745%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

356,106,985

Total Amount of Shares and Deposits

319,950,095

Total Shares and Deposits < 1 Year

311,693,272

Total Shares and Deposits 1 3 Years

5,784,906

Total Shares and Deposits > 3 Years

2,471,917

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,130,823

Total Uninsured Shares and Deposits > $250K (F+J)

9,130,823

Total Insured Shares and Deposits > $250K (item 17 less item K)

310,819,272

Total Interest Expense (Sum of items 6 8)

2,222,390

Share Certificates

2,151

Number of Accounts for Share Drafts

19,678

IRA KEOGH Accounts

731

Number of Accounts for Regular Shares

38,635

All other shares

122

Money Market Shares

3,460

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)

32,978,090

Total Liabilities

323,275,572

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Industrial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Industrial Federal Credit Union

How many branches does Industrial Federal Credit Union operate?

Industrial Federal Credit Union 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 Federal Credit Union?

Yes, to access services at Industrial Federal Credit Union, 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 Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Industrial Federal Credit Union offer online and mobile banking?

Most modern institutions like Industrial Federal Credit Union 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.ifcu.com.

Current Industrial Federal Credit Union Rates

12-Month CD3.80%
18-Month CD3.55%
24-Month CD3.50%
60-Month CD3.70%
Savings3.91%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Industrial Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Industrial Federal Credit Union Texas Ratio

Industrial Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Industrial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Industrial Federal Credit Union

How many branches does Industrial Federal Credit Union operate?

Is a member application needed to join Industrial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Industrial Federal Credit Union offer online and mobile banking?

Current Industrial Federal Credit Union Rates

Compare to Other Credit Unions