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Ingersoll Rand Federal Credit Union

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Ingersoll Rand Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ingersoll Rand Federal Credit Union?

Current rates for Ingersoll Rand Federal Credit Union include: 12-Month CD: 2.73%, 18-Month CD: 4.22%, 24-Month CD: 3.50%, 60-Month CD: 3.10%, Savings: 0.20%, MMA: 1.26%

Q: What CD terms does Ingersoll Rand Federal Credit Union offer?

Ingersoll Rand Federal Credit Union CD rates are 4.06% APY for a 9 month CD, 2.73% APY for a 12 month CD, 4.22% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.40% APY for a 30 month CD, 3.30% APY for a 3 year CD and 3.10% 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 Ingersoll Rand Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Ingersoll Rand Federal Credit Union's 18 Month CD rates are at 4.22%, 9 Month CD rates are at 4.06%, 24 Month CD rates are at 3.50%, 30 Month CD rates are at 3.40%, 36 Month CD rates are at 3.30%. Ingersoll Rand Federal Credit Union's savings rates are at 0.20%. Ingersoll Rand Federal Credit Union's money market rates are at 1.26%. Ingersoll Rand Federal Credit Union's Personal Loan Rates are as low as 5.49%. Ingersoll Rand Federal Credit Union's Credit Card Rates are at 9.50%. Ingersoll Rand Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Ingersoll Rand Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.76%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.76%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Ingersoll Rand Federal Credit Union
Ingersoll-Rand Federal Credit Union

1970 Elmira St
Sayre, PA 18840-9246

https://ingersollrandfcu.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.

Ingersoll Rand Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month 18 MTH IRA SHARE CD	-	4.22%	18 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
18 Month Certificate	-	4.22%	18 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60% Oct 9, 20264.22%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Certificate Special - 18 month	-	4.22%	18 Months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60% Oct 13, 20264.22%▲ from 3.60% Oct 5, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
IRA Share Certificate 18 Month	-	4.22%	18 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.22% ▲ 0.47 pts · high 4.22% / low 3.75% Oct 9, 20264.22%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
9 Month Certificate	-	4.06%	9 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29% Oct 9, 20264.06%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Certificate Special - 9 month	-	4.06%	9 Months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29% Oct 13, 20264.06%▲ from 3.29% Oct 5, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Certificate	-	3.50%	24 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 MONTH CERTIFICATE	-	3.50%	24 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30 Month Certificate	-	3.40%	30 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30 MONTH CERTIFICATE	-	3.40%	30 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month 36 MTH IRA SHARE CD	-	3.40%	36 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
IRA Share Certificate 36 Month	-	3.40%	36 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Certificate	-	3.30%	36 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 MONTH CERTIFICATE	-	3.30%	36 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Certificate	-	3.20%	48 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 MONTH CERTIFICATE	-	3.20%	48 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month 60 MTH IRA SHARE CD	-	3.20%	60 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
IRA Share Certificate 60 Month	-	3.20%	60 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Certificate	-	3.10%	60 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 MONTH CERTIFICATE	-	3.10%	60 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Certificate	-	2.73%	12 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.73% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Certificate	-	2.37%	6 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.37% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 Month Certificate	-	1.00%	3 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 MONTH CERTIFICATE	-	1.00%	3 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Savings Rates

Product	Rate	APY
Roth Conventional Accum Share	-	0.65%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Roth IRA Accum Share	-	0.65%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
TRAD IRA ACCUM SHARE	-	0.65%
Min Balance $0 Details Savings Rates - Effective Tuesday, May 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Traditional IRA Accum Share	-	0.65%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Christmas Club	-	0.20%
Min Balance $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Savings	-	0.20%
Min Deposit $5 Min Balance $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Subshares	-	0.20%
Min Balance $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Christmas Club	-	0.15%
Min Balance $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Savings	-	0.15%
Min Deposit $5 Min Balance $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Subshares	-	0.15%
Min Balance $2,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Christmas Club	-	0.10%
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Savings	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Subshares	-	0.10%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.26%
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	-	1.16%
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	-	0.95%
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	-	0.95%
Min Balance $25,000 Details Balance: $25,000.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	-	0.75%
Min Balance $2,500 Details Balance: $2,500.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	-	0.65%
Min Balance $100 Details Balance: $100.00 minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 1st Lien	-	-	6.24%	0-60 months
Details As Low As; Rates as low as 6.24% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.50% → 6.24% ▲ 0.74 pts · high 6.24% / low 5.50% Oct 23, 20266.24%▲ from 5.50% Oct 9, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 1st Lien	-	-	6.49%	61-120 months
Details As Low As; Rates as low as 6.49% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.75% → 6.49% ▲ 0.74 pts · high 6.49% / low 5.75% Oct 23, 20266.49%▲ from 5.75% Oct 9, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 1st Lien	-	-	6.74%	121-180 months
Details As Low As; Rates as low as 6.74% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.99% → 6.74% ▲ 0.75 pts · high 6.74% / low 5.99% Oct 23, 20266.74%▲ from 5.99% Oct 9, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 1st Lien	-	-	6.99%	181-240 months
Details As Low As; Rates as low as 6.99% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.50% → 6.99% ▲ 0.49 pts · high 6.99% / low 6.50% Oct 23, 20266.99%▲ from 6.50% Oct 9, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 2nd Lien	-	-	7.24%	0-60 months
Details As Low As; Rates as low as 7.24% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.50% → 7.24% ▲ 0.74 pts · high 7.24% / low 6.50% Oct 23, 20267.24%▲ from 6.50% Oct 9, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 2nd Lien	-	-	7.49%	61-120 months
Details As Low As; Rates as low as 7.49% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.75% → 7.49% ▲ 0.74 pts · high 7.49% / low 6.75% Oct 23, 20267.49%▲ from 6.75% Oct 9, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity - 2nd Lien	-	-	7.74%	121-180 months
Details As Low As; Rates as low as 7.74% Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.74% ▲ 0.75 pts · high 7.74% / low 6.99% Oct 23, 20267.74%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto -2024 or Newer	-	-	5.24%	0-36 months
Details As Low As; Vehicle must have less than 20,000 miles Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 23, 20265.24%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto -2024 or Newer	-	-	5.49%	37-48 months
Details As Low As; Vehicle must have less than 20,000 miles Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 23, 20265.49%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto -2024 or Newer	-	-	5.74%	49-60 months
Details As Low As; Vehicle must have less than 20,000 miles Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.74% ▲ 0.75 pts · high 5.74% / low 4.99% Oct 23, 20265.74%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto -2024 or Newer	-	-	5.99%	61-72 months
Details As Low As; Vehicle must have less than 20,000 miles Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 23, 20265.99%▲ from 5.49% Oct 9, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Vehicle - 2019-2023 Loan	-	-	5.99%	0-36 months
Details As Low As; Auto Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Vehicle - 2019-2023 Loan	-	-	5.99%	37-48 months
Details As Low As; Auto Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Vehicle - 2019-2023 Loan	-	-	6.24%	49-60 months
Details As Low As; Auto Loan; Loan amount must be $10,000 or more Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 23, 20266.24%▲ from 5.99% Oct 9, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto -2024 or Newer	-	-	6.49%	73-84 month
Details As Low As; Vehicle must have less than 20,000 miles; 73-84 month term must be $30,000 or more Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.74% → 6.49% ▲ 0.75 pts · high 6.49% / low 5.74% Oct 23, 20266.49%▲ from 5.74% Oct 9, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Vehicle - 2019-2023 Loan	-	-	6.49%	61-72 months
Details As Low As; Auto Loan; Loan amount must be $25,000 or more Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 23, 20266.49%▲ from 6.24% Oct 9, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Vehicle - 2019-2023 Loan	-	-	6.99%	73-84 months
Details As Low As; Auto Loan; Loan amount must be $40,000 or more Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 23, 20266.99%▲ from 6.74% Oct 9, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Older Vehicle - 2018 and Older Auto Loan	-	-	9.49%	0-36 months
Details As Low As; Rates as low as 9.49%; Vehicle model year 2018 and older Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.49% → 9.49% ▲ 1.00 pts · high 9.49% / low 8.49% Oct 23, 20269.49%▲ from 8.49% Oct 13, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Older Vehicle - 2018 and Older Auto Loan	-	-	9.49%	37-48 months
Details As Low As; Rates as low as 9.49%; Vehicle model year 2018 and older Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.49% → 9.49% ▲ 1.00 pts · high 9.49% / low 8.49% Oct 23, 20269.49%▲ from 8.49% Oct 13, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Older Vehicle - 2018 and Older Auto Loan	-	-	9.49%	49-60 months
Details As Low As; Rates as low as 9.49%; Vehicle model year 2018 and older; Notes: 49-60 month term must be $15,000 or more Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.49% → 9.49% ▲ 1.00 pts · high 9.49% / low 8.49% Oct 23, 20269.49%▲ from 8.49% Oct 13, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle - 2023 and Newer Loan	-	5.49%	0-36 months
Details As Low As; Rates as low as Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 23, 20265.49%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorcycle - 2023 and Newer Loan	-	5.74%	37-48 months
Details As Low As; Rates as low as Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.74% ▲ 0.75 pts · high 5.74% / low 4.99% Oct 23, 20265.74%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorcycle - 2023 and Newer Loan	-	5.99%	49-60 months
Details As Low As; Rates as low as Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.99% → 5.99% ▲ 1.00 pts · high 5.99% / low 4.99% Oct 23, 20265.99%▲ from 4.99% Oct 9, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorcycle - 2023 and Newer Loan	-	6.24%	61-72 months
Details As Low As; Rates as low as Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49% Oct 23, 20266.24%▲ from 5.49% Oct 9, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorcycle - 2023 and Newer Loan	-	6.74%	73-84 month
Details As Low As; Rates as low as Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 5.74% → 6.74% ▲ 1.00 pts · high 6.74% / low 5.74% Oct 23, 20266.74%▲ from 5.74% Oct 9, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Motorcycle - 2018-2022 Loan	-	6.99%	0-36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Motorcycle - 2018-2022 Loan	-	6.99%	37-48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Motorcycle - 2018-2022 Loan	-	6.99%	49-60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used Motorcycle - 2018-2022 Loan	-	7.24%	61-72 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	7.49%	0-36 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 23, 20267.49%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	7.49%	37-60 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 23, 20267.49%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	7.74%	61-96 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.74% ▲ 0.75 pts · high 7.74% / low 6.99% Oct 23, 20267.74%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	8.24%	97-120 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	9.49%	121-144 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.74% → 9.49% ▲ 0.75 pts · high 9.49% / low 8.74% Oct 23, 20269.49%▲ from 8.74% Oct 9, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV/ Camper - 2024 or Newer Loan	-	9.49%	145-180 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.74% → 9.49% ▲ 0.75 pts · high 9.49% / low 8.74% Oct 23, 20269.49%▲ from 8.74% Oct 9, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used RV/ Camper - 2023 and Older Loan	-	9.99%	0-36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used RV/ Camper - 2023 and Older Loan	-	9.99%	37-60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used RV/ Camper - 2023 and Older Loan	-	9.99%	61-96 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used RV/ Camper - 2023 and Older Loan	-	9.99%	97-120 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Used RV/ Camper - 2023 and Older Loan	-	9.99%	121-144 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum	-	9.50%
Details Credit limit: Over $5,000; Up to $5,000 and Up to $1,000: n/a Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mastercard Classic	-	12.90%
Details Credit limit: Up to $5,000; Over $5,000 and Up to $1,000: n/a Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Personal Loan Rates

Product	APR	Term
Solar Loan	5.49%	0-60 months
Details As Low As; Rates as low as 5.49% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Solar Loan	6.49%	61-120 months
Details As Low As; Rates as low as 6.49% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Solar Loan	7.99%	121-180 months
Details As Low As; Rates as low as 7.99% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Share Loans (Personal) - Without Collateral	9.74%	0-24 months
Details As Low As; Without Collateral Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.74% → 9.74% ▲ 1.00 pts · high 9.74% / low 8.74% Oct 23, 20269.74%▲ from 8.74% Oct 13, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Share Loans (Personal) - Without Collateral	11.49%	25-60 months
Details As Low As; Without Collateral Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 10.74% → 11.49% ▲ 0.75 pts · high 11.49% / low 10.74% Oct 23, 202611.49%▲ from 10.74% Oct 13, 202610.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Ingersoll Rand Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Tractors - New From the Dealer Loan	-	-	8.24%	0-36 months
Details As Low As; Equipment loan; Full coverage Insurance required if the value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.24% → 8.24% ▲ 1.00 pts · high 8.24% / low 7.24% Oct 23, 20268.24%▲ from 7.24% Oct 9, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - New From the Dealer Loan	-	-	8.74%	37-60 months
Details As Low As; Equipment loan; Full coverage Insurance required if the value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.74% → 8.74% ▲ 1.00 pts · high 8.74% / low 7.74% Oct 23, 20268.74%▲ from 7.74% Oct 9, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - New From the Dealer Loan	-	-	8.99%	61-96 months
Details As Low As; Term must be more than $25,000; Full coverage Insurance required if the value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.99% → 8.99% ▲ 1.00 pts · high 8.99% / low 7.99% Oct 23, 20268.99%▲ from 7.99% Oct 9, 20267.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - New From the Dealer Loan	-	-	9.74%	97-120 months
Details As Low As; Term must be more than $40,000; Full coverage Insurance required if the value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.74% → 9.74% ▲ 1.00 pts · high 9.74% / low 8.74% Oct 23, 20269.74%▲ from 8.74% Oct 9, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - New From the Dealer Loan	-	-	9.99%	121-144 months
Details As Low As; Term must be more than $50,000; Full coverage Insurance required if the value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.99% → 9.99% ▲ 1.00 pts · high 9.99% / low 8.99% Oct 23, 20269.99%▲ from 8.99% Oct 9, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - Used Loan	-	-	9.24%	0-36 months
Details As Low As; Used tractor loan; Full coverage insurance required if value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 9.99% → 9.24% ▼ 0.75 pts · high 9.99% / low 9.24% Oct 23, 20269.24%▼ from 9.99% Oct 9, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - Used Loan	-	-	9.49%	37-60 months
Details As Low As; Used tractor loan; Full coverage insurance required if value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 9.99% → 9.49% ▼ 0.50 pts · high 9.99% / low 9.49% Oct 23, 20269.49%▼ from 9.99% Oct 9, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - Used Loan	-	-	9.74%	61-96 months
Details As Low As; Used tractor loan; 61-96 month term must be more than $25,000; Full coverage insurance required if value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 9.99% → 9.74% ▼ 0.25 pts · high 9.99% / low 9.74% Oct 23, 20269.74%▼ from 9.99% Oct 9, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - Used Loan	-	-	10.49%	97-120 months
Details As Low As; Used tractor loan; 97-120 month terms must be more than $40,000; Full coverage insurance required if value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 23, 202610.49%▲ from 9.99% Oct 9, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Tractors - Used Loan	-	-	10.74%	121-144 months
Details As Low As; Used tractor loan; 121-144 month terms must be more than $50,000; Full coverage insurance required if value is greater than $7,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 9.99% → 10.74% ▲ 0.75 pts · high 10.74% / low 9.99% Oct 23, 202610.74%▲ from 9.99% Oct 9, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	7.49%	0-36 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 23, 20267.49%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	7.49%	37-60 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	8.24%	61-96 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74% Oct 23, 20268.24%▲ from 7.74% Oct 9, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	8.49%	97-120 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 9, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	9.24%	121-144 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History 2 changes since Oct 9, 2026 · 8.76% → 9.24% ▲ 0.48 pts · high 9.24% / low 8.74% Oct 23, 20269.24%▲ from 8.74% Oct 13, 20268.74%▼ from 8.76% Oct 9, 20268.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - New from Dealer Loan	-	-	9.49%	144-180 months
Details As Low As; Off Road section Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.74% → 9.49% ▲ 0.75 pts · high 9.49% / low 8.74% Oct 23, 20269.49%▲ from 8.74% Oct 9, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	8.99%	0-36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	8.99%	37-60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	8.99%	61-96 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	9.74%	97-120 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.99% → 9.74% ▲ 0.75 pts · high 9.74% / low 8.99% Oct 13, 20269.74%▲ from 8.99% Oct 9, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	9.99%	121-144 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Watersports - Used Pre-Owned Loan	-	-	9.99%	144-180 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

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

Ingersoll Rand Federal Credit Union’s Texas Ratio rose from 4.61% in Q3 2023 to 6.76% in Q2 2026, so its financial health has held steady at a healthy level 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	$124M	6.76%	5.0	A
March 31, 2026	$125M	7.43%	5.0	A
December 31, 2025	$122M	9.28%	5.0	A
September 30, 2025	$120M	10.88%	5.0	A
June 30, 2025	$121M	5.67%	5.0	A+
March 31, 2025	$120M	5.34%	5.0	A+
December 31, 2024	$117M	6.10%	5.0	A
September 30, 2024	$112M	6.06%	5.0	A
June 30, 2024	$109M	8.54%	5.0	A
March 31, 2024	$104M	7.94%	5.0	A
December 31, 2023	$100M	8.27%	5.0	A
September 30, 2023	$98M	4.61%	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 Ingersoll Rand 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 Ingersoll Rand 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 Ingersoll Rand Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ingersoll Rand Federal Credit Union

Website https://ingersollrandfcu.com

Address 1970 Elmira St, Sayre, PA 18840-9246

Phone 570-888-7121

Fax 570-888-9049

President Lori Allen Unger

CEO Thomas Mitchell

Full-Time Employees 28

Part-Time Employees 1

Branch Locations 2

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.76%

Return on Assets (ROA)

-0.0952%

Return on Equity (ROE)

-0.7040%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

124,258,738

Total Amount of Shares and Deposits

107,147,278

Total Shares and Deposits < 1 Year

96,257,160

Total Shares and Deposits 1 3 Years

9,973,068

Total Shares and Deposits > 3 Years

917,050

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

5,273,361

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

5,273,361

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

101,873,917

Total Interest Expense (Sum of items 6 8)

979,802

Share Certificates

1,132

Number of Accounts for Share Drafts

4,250

IRA KEOGH Accounts

518

Number of Accounts for Regular Shares

10,425

All other shares

Money Market Shares

213

Net Income (unless the amount is already included in Undivided Earnings)

-118,355

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)

6,556,080

Total Liabilities

107,544,746

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ingersoll Rand Federal Credit Union earned the Verified Healthy badge

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

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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 Ingersoll Rand Federal Credit Union

Does Ingersoll Rand Federal Credit Union offer CDs?

Yes. Ingersoll Rand Federal Credit Union current CD rates include its 18 Month CD at 4.22% APY, its 9 Month CD at 4.06% APY and its 24 Month CD at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Ingersoll Rand Federal Credit Union NCUA insured?

Yes. Ingersoll Rand Federal Credit Union 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 Ingersoll Rand Federal Credit Union?

The highest Ingersoll Rand Federal Credit Union CD rate is its 18 Month 18 MTH IRA CD at 4.22% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Ingersoll Rand Federal Credit Union offer?

Ingersoll Rand Federal Credit Union CD rates are 4.06% APY for a 9 month CD, 2.73% APY for a 12 month CD, 4.22% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.40% APY for a 30 month CD, 3.30% APY for a 3 year CD and 3.10% 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 Ingersoll Rand Federal Credit Union for its full lineup.

What is the highest savings rate at Ingersoll Rand Federal Credit Union?

The highest Ingersoll Rand Federal Credit Union savings rate is its Savings at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Ingersoll Rand Federal Credit Union?

The highest Ingersoll Rand Federal Credit Union money market rate is its Money Market at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Ingersoll Rand Federal Credit Union?

The lowest Ingersoll Rand Federal Credit Union auto loan rate is its Auto -2024 or Newer at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Ingersoll Rand Federal Credit Union?

The lowest Ingersoll Rand Federal Credit Union personal loan rate is its Share Loans (Personal) - Without Collateral at 9.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Ingersoll Rand Federal Credit Union?

The lowest Ingersoll Rand Federal Credit Union credit card APR is its Mastercard Platinum Credit Card at 9.50% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Ingersoll Rand Federal Credit Union operate?

Ingersoll Rand 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 Ingersoll Rand Federal Credit Union?

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

Does Ingersoll Rand Federal Credit Union offer online and mobile banking?

Most modern institutions like Ingersoll Rand 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://ingersollrandfcu.com.

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 Ingersoll Rand Federal Credit Union rates compare?

Ingersoll Rand Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A health rating. Ingersoll Rand Federal Credit Union's top rates are its 18 Month 18 MTH IRA CD at 4.22% APY, its Savings at 0.20% APY, its Money Market at 1.26% APY, its Solar Loan at 5.49% APR and its Mastercard Platinum Credit Card at 9.50% APR, verified by MonitorBankRates on October 29, 2026.

Current Ingersoll Rand Federal Credit Union Rates

12-Month CD2.73%
18-Month CD4.22%
24-Month CD3.50%
60-Month CD3.10%
Savings0.20%
MMA1.26%

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

Compare to Other Credit Unions

Ingersoll Rand Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ingersoll Rand Federal Credit Union Texas Ratio

Ingersoll Rand Federal Credit Union Health Trend

Ingersoll Rand Federal Credit Union CD Rates

Ingersoll Rand Federal Credit Union Savings Rates

Ingersoll Rand Federal Credit Union Money Market Rates

Ingersoll Rand Federal Credit Union Home Equity & HELOC

Ingersoll Rand Federal Credit Union Auto Loan Rates

Ingersoll Rand Federal Credit Union RV, Boat and Powersport Loan Rates

Ingersoll Rand Federal Credit Union Credit Card Rates

Ingersoll Rand Federal Credit Union Personal Loan Rates

Ingersoll Rand Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ingersoll Rand Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ingersoll Rand Federal Credit Union

Does Ingersoll Rand Federal Credit Union offer CDs?

Are CDs from Ingersoll Rand Federal Credit Union NCUA insured?

What is the highest CD rate at Ingersoll Rand Federal Credit Union?

What CD terms does Ingersoll Rand Federal Credit Union offer?

What is the highest savings rate at Ingersoll Rand Federal Credit Union?

What is the highest money market rate at Ingersoll Rand Federal Credit Union?

What is the lowest auto loan rate at Ingersoll Rand Federal Credit Union?

What is the lowest personal loan rate at Ingersoll Rand Federal Credit Union?

What is the lowest credit card APR at Ingersoll Rand Federal Credit Union?

How many branches does Ingersoll Rand Federal Credit Union operate?

Is a member application needed to join Ingersoll Rand Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ingersoll Rand Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Ingersoll Rand Federal Credit Union rates compare?

Current Ingersoll Rand Federal Credit Union Rates

Compare to Other Credit Unions