What are the current interest rates at Intrepid Credit Union?

Current rates for Intrepid Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.60%, 24-Month CD: 3.60%, 60-Month CD: 3.70%, Savings: 0.05%, MMA: 1.50%

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Intrepid Credit Union Rates & Review October 2026

Q: How many branches does Intrepid Credit Union operate?

Intrepid 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.

Q: Is a member application needed to join Intrepid Credit Union?

Yes, to access services at Intrepid 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.

Q: Is there a first-time homebuyer program?

Currently, Intrepid 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Intrepid 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 10, 2026

Intrepid Credit Union's top rates as of October 10, 2026 are 4.00% APY on its Student CD (13-21), 0.05% APY on savings, 1.50% APY on money market accounts, and 1.26% APY on checking, according to rates verified by MonitorBankRates. Other Intrepid Credit Union CD rates include 48 Month - One Bump at 3.70%, 60 Month - One Bump at 3.70%, and 36 Month - No Bump at 3.65%. MonitorBankRates evaluates the financial stability of Intrepid Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/10/2026.

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

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Intrepid Credit Union
Helena - Great Northern Town Center

50 W 14th St
Helena, MT 59601-3443

https://www.intrepidcu.org

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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.

Intrepid Credit Union CD Rates

Product	Rate	APY	Term
Student Certificate (13-21)	3.94%	4.00%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 Month - One Bump	3.63%	3.70%	48 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
60 Month - One Bump	3.63%	3.70%	60 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month - No Bump	3.59%	3.65%	36 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Individual Retirement Certificate	3.59%	3.65%	36 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Individual Retirement Certificate	3.59%	3.65%	36 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Individual Retirement Certificate	3.59%	3.65%	36 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
19 Month Certificate	3.54%	3.60%	19 month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Individual Retirement Certificate	3.54%	3.60%	24 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Individual Retirement Certificate	3.54%	3.60%	24 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Individual Retirement Certificate	3.54%	3.60%	24 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Share Certificate	3.54%	3.60%	24 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Share Certificate	3.54%	3.60%	24 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Share Certificate	3.54%	3.60%	24 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30 Month Certificate	3.54%	3.60%	30 month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Individual Retirement Certificate	3.49%	3.55%	12 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 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: 2.64%
12 Month Individual Retirement Certificate	3.49%	3.55%	12 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 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: 2.64%
12 Month Individual Retirement Certificate	3.49%	3.55%	12 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 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: 2.64%
12 Month Share Certificate	3.49%	3.55%	12 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Share Certificate	3.49%	3.55%	12 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Share Certificate	3.49%	3.55%	12 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
15 Month Certificate	3.49%	3.55%	15 month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Share Certificate	3.50%	3.55%	6 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Share Certificate	3.50%	3.55%	6 Months
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Share Certificate	3.50%	3.55%	6 Months
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Members' Choice 10 or 11 month	3.49%	3.55%	10 or 11 month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
90 Day Share Certificate	3.44%	3.50%	90 Days
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
90 Day Share Certificate	3.44%	3.50%	90 Days
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
90 Day Share Certificate	3.44%	3.50%	90 Days
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Intrepid Credit Union Savings Rates

Product	Rate	APY	View More
Share Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Intrepid Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Premium Plus Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 - 249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Premium Plus Money Market	1.49%	1.50%
Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Premium Plus Money Market	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	1.39%	1.40%
Min Balance $50,000 Details Balance: $50.000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	1.14%	1.15%
Min Balance $40,000 Details Balance: $40,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Premium Plus Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.90%	0.90%
Min Balance $20,000 Details Balance: $20,000.00 - $39,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.65%	0.65%
Min Balance $10,000 Details Balance: $10,000.00 - $19,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Premium Plus Money Market	0.65%	0.65%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.45%	0.45%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Intrepid Credit Union Checking Rates

Product	Rate	APY
Community Checking	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000 - $14,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	-	1.26%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 7 debit card purchases; e-Statements enrollment; 1 direct deposit of $50 or more; Balance: $10,000.00 to $14,999.99; Dividends will be credited to your account on the last day of the month. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	-	0.75%
Min Deposit $100 Min Balance $5,000 Details Qualifications Required: 7 debit card purchases; e-Statements enrollment; 1 direct deposit of $50 or more; Balance: $5,000.00 to $9999.99; Dividends will be credited to your account on the last day of the month. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	0.50%	0.50%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	-	0.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 7 debit card purchases; e-Statements enrollment; 1 direct deposit of $50 or more; Balance: $0 to $4999.99; Dividends will be credited to your account on the last day of the month. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	0.30%	0.30%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Community Checking	-	0.30%
Min Deposit $100 Min Balance $15,000 Details Qualifications Required: 7 debit card purchases; e-Statements enrollment; 1 direct deposit of $50 or more; Balance: $15,000 or more; Dividends will be credited to your account on the last day of the month. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Wealthcare Checking	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
WealthCare Checking	-	0.25%
Min Deposit $100 Details Identity theft coverage; Identity theft expense reimbursement; Mobile phone repair/placement; Credit/dark web monitoring; Free annual box of checks; Free waivers on in-branch services for coin counting, counter checks, teller checks or notary services Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Intrepid Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.50%	0.50%
Min Balance $500 Details Balance: $500 - $1,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Checking	0.50%	0.50%
Min Balance $2,000 Details Balance: $2,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Intrepid Credit Union Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking Account	4.879%	-	5.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 12 debit card purchases; enrolled to receive e-Statements; 1 direct deposit(s), ACH Credit, or ACH Debit transaction(s); Balance: up to $15,000.00; Nationwide ATM withdrawal fee refunds (up to $25 monthly); Rewards less than a penny cannot be distributed; Fees may reduce earnings; If the account is closed before rewards are credited, you will forfeit the rewards. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Free Kasasa Cash Checking Account	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Balance: If qualifications aren't met; Nationwide ATM withdrawal fee refunds are not refunded; Rewards less than a penny cannot be distributed; Fees may reduce earnings; If the account is closed before rewards are credited, you will forfeit the rewards. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Accumulator	-	-	0.35%
Min Balance $25 Details Balance: The first $25 - $999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Accumulator	-	-	0.35%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Kasasa Cash Checking	4.889%	-	5.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $15,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Kasasa Cash Checking	0.25%	-	0.25%
Min Balance $15,001 Details Balance: $15,001.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Kasasa Cash Checking	-	-	5.00%
Min Deposit $100 Min Balance $15,000 Details Qualifications Required: 5.00% APY* on balances up to $15,000; 5.00% to 0.50% APY on balances over $15,000 depending on balance in account; 0.05% APY if qualifications aren't met Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Kasasa Cash Checking	0.05%	-	0.05%
Details Qualifications not met Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Kasasa Saver Savings	0.99%	-	1.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Intrepid Credit Union’s Texas Ratio rose from 0.12% in Q3 2023 to 2.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$311M	2.64%	5.0	A+
March 31, 2026	$310M	3.00%	5.0	A+
December 31, 2025	$310M	4.01%	5.0	A+
September 30, 2025	$309M	1.31%	5.0	A+
June 30, 2025	$304M	0.82%	5.0	A+
March 31, 2025	$304M	0.87%	5.0	A+
December 31, 2024	$304M	1.68%	5.0	A+
September 30, 2024	$307M	1.24%	5.0	A+
June 30, 2024	$312M	1.67%	5.0	A+
March 31, 2024	$315M	1.61%	5.0	A+
December 31, 2023	$315M	1.85%	5.0	A+
September 30, 2023	$281M	0.12%	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 Intrepid 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 Intrepid 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 Intrepid Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Intrepid Credit Union

Website https://www.intrepidcu.org

Address 50 W 14th St, Helena, MT 59601-3443

Phone 406-443-5400

Fax 406-443-6158

President Donald Polly

CEO Greg Strizich

Full-Time Employees 73

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

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

2.64%

Return on Assets (ROA)

0.3384%

Return on Equity (ROE)

3.0605%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

310,787,638

Total Amount of Shares and Deposits

268,609,454

Total Shares and Deposits < 1 Year

245,980,370

Total Shares and Deposits 1 3 Years

14,948,072

Total Shares and Deposits > 3 Years

7,681,011

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

268,609,454

Total Interest Expense (Sum of items 6 8)

1,773,826

Share Certificates

1,975

Number of Accounts for Share Drafts

9,956

IRA KEOGH Accounts

418

Number of Accounts for Regular Shares

23,121

All other shares

523

Money Market Shares

539

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)

32,201,369

Total Liabilities

276,920,038

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Intrepid Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Intrepid Credit Union

How many branches does Intrepid Credit Union operate?

Intrepid 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 Intrepid Credit Union?

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

Does Intrepid Credit Union offer online and mobile banking?

Most modern institutions like Intrepid 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.intrepidcu.org.

Current Intrepid Credit Union Rates

12-Month CD3.55%
18-Month CD3.60%
24-Month CD3.60%
60-Month CD3.70%
Savings0.05%
MMA1.50%

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

Compare to Other Credit Unions

Intrepid Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Intrepid Credit Union Texas Ratio

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Intrepid Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Intrepid Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Intrepid Credit Union

How many branches does Intrepid Credit Union operate?

Is a member application needed to join Intrepid Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Intrepid Credit Union offer online and mobile banking?

Current Intrepid Credit Union Rates

Compare to Other Credit Unions