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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Instep Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Instep Credit Union's CDS & IRA CDS 2 Years (Super Jumbo) rates are at 3.82%, CDS & IRA CDS 3 Years (Super Jumbo) rates are at 3.82%, CDS & IRA CDS 1 Year (Super Jumbo) rates are at 3.56%, CDS & IRA CDS 2 Years (Jumbo) rates are at 3.56%, CDS & IRA CDS 3 Years (Jumbo) rates are at 3.56%. Instep Credit Union's savings rates are at 0.50%. MonitorBankRates evaluates the financial stability of Instep Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.88%. Rates were last updated on 03/27/2026. Instep 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 Instep Credit Union? Share your experience about Instep Credit Union by leaving a review below, or read customer reviews before you decide to use Instep Credit Union. Instep Credit Union
INSTEP CU 400 Russell Ave Bldg 509
https://www.instepmembers.com New Orleans, LA 70143 5077 
Instep Credit Union CD Rates
Instep Credit Union Savings Rates
Instep Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Instep 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 Instep 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 Instep Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Instep Credit Union
Website
https://www.instepmembers.com
Address
400 Russell Ave Bldg 509,
New Orleans, LA 70143 5077
Phone
504-678-3563
Fax
504-678-3901
President
Emanuel Stevenson
CEO
Helen Delin
Full-Time Employees
23
Part-Time Employees
1
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.88%
Return on Assets (ROA)
0.4969%
Return on Equity (ROE)
2.9917%
Non-Performing Loans Ratio (NPL)
1.77%
Total Assets
48,535,505
Total Amount of Shares and Deposits
39,940,939
Total Shares and Deposits < 1 Year
39,406,422
Total Shares and Deposits 1 3 Years
531,017
Total Shares and Deposits > 3 Years
3,500
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
962,255
Total Uninsured Shares and Deposits > $250K (F+J)
962,255
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,978,684
Total Interest Expense (Sum of items 6 8)
247,277
Share Certificates
106
Number of Accounts for Share Drafts
3,914
IRA KEOGH Accounts
80
Number of Accounts for Regular Shares
5,907
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,258,921
Total Liabilities
40,761,583
Source: NCUA — Last Updated 09/30/2023
Frequently Asked Questions About Instep Credit UnionIs Instep Credit Union a safe place to deposit money?Yes, Instep Credit Union is considered a safe financial institution. With a Texas Ratio of 7.8847042521029%, 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 Instep Credit Union operate?Instep 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 Instep Credit Union?Yes, to access services at Instep 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, Instep 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, Instep Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Instep Credit Union offer online and mobile banking?Most modern institutions like Instep 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.instepmembers.com. Current Instep Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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