What are the current interest rates at Iron Mountain Kingsford Community FCU?

Current rates for Iron Mountain Kingsford Community FCU include: 12-Month CD: 2.26%, 24-Month CD: 2.01%, Savings: 0.15%

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Iron Mountain Kingsford Community FCU

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Iron Mountain Kingsford Community FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Iron Mountain Kingsford Community FCU 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 12, 2026

Iron Mountain Kingsford Community FCU's top rates as of October 12, 2026 are 2.52% APY on its CD - 6 Month, 0.15% APY on savings, 0.10% APY on checking, and personal loans from 8.75% APR, according to rates verified by MonitorBankRates. Other Iron Mountain Kingsford Community FCU CD rates include CD - 12 Month at 2.26%, CD - 24 Month at 2.01%, and CD - 36 Month at 1.76%. MonitorBankRates evaluates the financial stability of Iron Mountain Kingsford Community FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.23%. Rates last updated and verified on 10/12/2026.

Iron Mountain Kingsford Community FCU 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 Iron Mountain Kingsford Community FCU? Share your experience about Iron Mountain Kingsford Community FCU by leaving a review below, or read customer reviews before you decide to use Iron Mountain Kingsford Community FCU.

Ranked #67 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Iron Mountain Kingsford Community FCU
Main Office

400 S Carpenter Ave
Kingsford, MI 49802-4527

https://www.pcbranch.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.

Iron Mountain Kingsford Community FCU CD Rates

Product	Rate	APY	Term
Certificate - 6 Month	2.50%	2.52%	6 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate - 12 Month	2.25%	2.26%	12 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate - 24 Month	2.00%	2.01%	24 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Certificate - 36 Month	1.75%	1.76%	36 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU Savings Rates

Product	Rate	APY
Christmas Clubs	0.15%	0.15%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%
Regular Savings	0.15%	0.15%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU Checking Rates

Product	Rate	APY	View More
Regular Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	4.25%
Details As Low As; APR* as low as; Rates based on credit scores; Rates effective as of 10/7/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 8, 20264.25%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	4.25%
Details As Low As; APR* as low as; Rates based on credit scores; Rates effective as of 10/7/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 8, 20264.25%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU Personal Loan Rates

Product	APR	Term	View More
General Purpose Unsecured Loan	8.75%
Details As Low As; APR* as low as; Rates based on credit scores; Rates effective as of 10/7/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

Iron Mountain Kingsford Community FCU Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRAs	2.00%	-	2.02%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

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

Iron Mountain Kingsford Community FCU’s Texas Ratio stayed near 0.53% in Q3 2023 to 0.23% 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	$149M	0.23%	5.0	A+
March 31, 2026	$150M	0.29%	5.0	A+
December 31, 2025	$145M	0.41%	5.0	A+
September 30, 2025	$143M	0.33%	5.0	A+
June 30, 2025	$144M	0.42%	5.0	A+
March 31, 2025	$144M	0.28%	5.0	A+
December 31, 2024	$140M	0.39%	5.0	A+
September 30, 2024	$139M	0.42%	5.0	A+
June 30, 2024	$139M	0.19%	5.0	A+
March 31, 2024	$138M	0.28%	5.0	A+
December 31, 2023	$135M	0.66%	5.0	A+
September 30, 2023	$137M	0.53%	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 Iron Mountain Kingsford Community FCU 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 Iron Mountain Kingsford Community FCU 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 Iron Mountain Kingsford Community FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Iron Mountain Kingsford Community FCU

Website https://www.pcbranch.com

Address 400 S Carpenter Ave, Kingsford, MI 49802-4527

Phone 906-774-6020

Fax 906-774-8816

President Kathy Barnes

CEO Scott Dickman

Full-Time Employees 25

Part-Time Employees 8

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.23%

Return on Assets (ROA)

0.8294%

Return on Equity (ROE)

4.6442%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

149,442,901

Total Amount of Shares and Deposits

121,792,712

Total Shares and Deposits < 1 Year

121,093,678

Total Shares and Deposits 1 3 Years

699,034

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

2,271,262

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

2,271,262

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

119,521,450

Total Interest Expense (Sum of items 6 8)

231,221

Share Certificates

314

Number of Accounts for Share Drafts

6,175

IRA KEOGH Accounts

246

Number of Accounts for Regular Shares

13,022

All other shares

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

1,239,509

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)

38,903,999

Total Liabilities

122,753,304

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Iron Mountain Kingsford Community FCU earned the Top 100 Healthiest badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/iron-mountain-kingsford-community-federal-credit-union-rates-review-5660">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #67 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Iron Mountain Kingsford Community FCU

How many branches does Iron Mountain Kingsford Community FCU operate?

Iron Mountain Kingsford Community FCU 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 Iron Mountain Kingsford Community FCU?

Yes, to access services at Iron Mountain Kingsford Community FCU, 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, Iron Mountain Kingsford Community FCU 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, Iron Mountain Kingsford Community FCU provides members with tools to manage their accounts and build a solid financial history.

Does Iron Mountain Kingsford Community FCU offer online and mobile banking?

Most modern institutions like Iron Mountain Kingsford Community FCU 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.pcbranch.com.