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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 November 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 and Verified: October 30, 2026
Instep Credit Union's 2 Year CDs rates are at 3.67%, 3 Year CDs rates are at 3.67%, 1 Year CDs rates are at 3.40%, 9 Month CDs rates are at 3.40%, 3 Month CDs rates are at 3.15%. Instep Credit Union's savings rates are at 4.09%. Instep Credit Union's checking rates are as high as 1.01%. Instep Credit Union's Personal Loan Rates are as low as 8.00%. Instep Credit Union's Credit Card Rates are at 8.90%. Instep Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. 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 10.22%. Rates last updated and verified on 10/30/2026. 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
http://www.instepmembers.com New Orleans, LA 70143-5077  Customer Reviews
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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. Instep Credit Union CD Rates
Instep Credit Union Savings Rates
Instep Credit Union Checking Rates
Instep Credit Union Home Equity & HELOC
Instep Credit Union Auto Loan Rates
Instep Credit Union RV, Boat and Powersport Loan Rates
Instep Credit Union Credit Card Rates
Instep Credit Union Personal Loan Rates
Instep Credit Union Other Rates
Financial Health HistoryInstep Credit Union’s Texas Ratio rose from 7.11% in Q4 2023 to 10.22% in Q2 2026, so its financial health has held steady at a healthy level over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 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
http://www.instepmembers.com
Address
400 Russell Ave Bldg 509,
New Orleans, LA 70143-5077
Phone
504-394-5574
Fax
504-678-3901
President
Emanuel Stevenson
CEO
Helen Delin
Full-Time Employees
20
Part-Time Employees
2
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 (95/100)
Texas Ratio
10.22%
Return on Assets (ROA)
-0.6755%
Return on Equity (ROE)
-5.0561%
Non-Performing Loans Ratio (NPL)
2.05%
Total Assets
52,939,606
Total Amount of Shares and Deposits
45,504,229
Total Shares and Deposits < 1 Year
45,010,620
Total Shares and Deposits 1 3 Years
477,070
Total Shares and Deposits > 3 Years
16,539
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,801,562
Total Uninsured Shares and Deposits > $250K (F+J)
2,051,562
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,452,667
Total Interest Expense (Sum of items 6 8)
232,107
Share Certificates
107
Number of Accounts for Share Drafts
3,907
IRA KEOGH Accounts
74
Number of Accounts for Regular Shares
4,602
Non Member Deposits
5
Net Income (unless the amount is already included in Undivided Earnings)
-357,630
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)
1,389,749
Total Liabilities
45,866,302
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Instep Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Instep Credit Union
Frequently Asked Questions About Instep Credit UnionDoes Instep Credit Union offer CDs?Yes. Instep Credit Union current CD rates include its 2 Year CDs at 3.67% APY, its 3 Year CDs at 3.67% APY and its 1 Year CDs at 3.40% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Instep Credit Union NCUA insured?Yes. Instep 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 Instep Credit Union?The highest Instep Credit Union CD rate is its 2 Year CDs at 3.67% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Instep Credit Union offer?Instep Credit Union CD rates are 3.15% APY for a 3 month CD, 3.40% APY for a 9 month CD, 3.40% APY for a 12 month CD, 3.67% APY for a 2 year CD and 3.67% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Instep Credit Union for its full lineup. What is the highest savings rate at Instep Credit Union?The highest Instep Credit Union savings rate is its Kids & Teen Savings at 4.09% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Instep Credit Union?The highest Instep Credit Union checking rate is its Patriotic Checking at 1.01% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Instep Credit Union?The lowest Instep Credit Union auto loan rate is its Vehicle Loans - New and Used Auto at 3.75% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Instep Credit Union?The lowest Instep Credit Union personal loan rate is its Personal/Signature Loan at 8.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Instep Credit Union?The lowest Instep Credit Union credit card APR is its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. 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: http://www.instepmembers.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 Instep Credit Union rates compare?Instep Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. Instep Credit Union's top rates are its 2 Year CDs at 3.67% APY, its Kids & Teen Savings at 4.09% APY, its Patriotic Checking at 1.01% APY, its Debt Consolidation Loan at 8.00% APR and its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates on October 30, 2026. Current Instep Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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