What are the current interest rates at Isabella Community Credit Union?

Current rates for Isabella Community Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.45%, 60-Month CD: 3.65%, Savings: 2.60%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Isabella Community Credit Union

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Isabella Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Isabella Community 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 9, 2026

Isabella Community Credit Union's top rates as of October 9, 2026 are 3.85% APY on its 06 Month CDs of Deposit & IRA CDs CD, 2.60% APY on savings, 7.12% on its 15-Year Fixed mortgage, rv, boat and powersport loans from 7.65% APR, and credit cards from 6.75% APR, according to rates verified by MonitorBankRates. Other Isabella Community Credit Union CD rates include 12 Month CDs of Deposit & IRA CDs at 3.85%, 60 Month CDs of Deposit & IRA CDs at 3.85%, and 48 Month CDs of Deposit & IRA CDs at 3.75%. Other Isabella Community Credit Union mortgage rates include 20-Year Fixed at 7.38%, and 30-Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Isabella Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.73%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.73%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Isabella Community Credit Union
Isabella Community Credit Union

2400 S Isabella RD
MT Pleasant, MI 48858

https://www.iccuonline.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.

Isabella Community Credit Union CD Rates

Product	Rate	APY	Term
06 Month Certificates of Deposit & IRA Certificates	-	3.85%	6 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 9, 20263.85%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
12 Month Certificates of Deposit & IRA Certificates	-	3.85%	12 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 9, 20263.85%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
60 Month Certificates of Deposit & IRA Certificates	-	3.85%	60 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 9, 20263.85%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
48 Month Certificates of Deposit & IRA Certificates	-	3.75%	48 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 9, 20263.75%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
06 Month Certificates of Deposit & IRA Certificates	-	3.65%	6 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
12 Month Certificates of Deposit & IRA Certificates	-	3.65%	12 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
24 Month Certificates of Deposit & IRA Certificates	-	3.65%	24 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 9, 20263.65%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
36 Month Certificates of Deposit & IRA Certificates	-	3.65%	36 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 9, 20263.65%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
60 Month Certificates of Deposit & IRA Certificates	-	3.65%	60 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
48 Month Certificates of Deposit & IRA Certificates	-	3.55%	48 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 9, 20263.55%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
24 Month Certificates of Deposit & IRA Certificates	-	3.45%	24 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
36 Month Certificates of Deposit & IRA Certificates	-	3.45%	36 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
03 Month Certificates of Deposit & IRA Certificates	-	3.00%	3 months
Min Deposit $10,000 Min Balance $10,000 Details APY** $10,000 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 9, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
03 Month Certificates of Deposit & IRA Certificates	-	2.80%	3 months
Min Deposit $500 Min Balance $500 Details APY** $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70% Oct 9, 20262.80%▲ from 2.70% Sep 18, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Savings Rates

Product	Rate	APY
Insured Money Market Savings Account	-	2.60%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50% Oct 9, 20262.60%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	2.20%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 9, 20262.20%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	2.00%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 2.00% ▲ 0.10 pts · high 2.00% / low 1.90% Oct 9, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.70%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.60% → 1.70% ▲ 0.10 pts · high 1.70% / low 1.60% Oct 9, 20261.70%▲ from 1.60% Sep 14, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.40%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Oct 9, 20261.40%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.10%
Min Balance $2,000 Details Balance: $2,000 to $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 9, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Health Savings Account (HSA)	-	0.25%
Details HSA eligibility required. No annual maintenance fees. Rates are subject to change at anytime. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
IRA Savings Account	-	0.25%
Details No minimum balance or minimum deposit requirement. No annual maintenance fees. Earnings could be reduced by fees. Rates are subject to change without notice. This information is not intended to provide tax advice. See a competent tax advisor to help you determine which type of IRA best suits your needs. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Premium Savings Account	-	0.15%
Min Balance $1,000 Details No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $1000.00. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Christmas Savings Account	-	0.10%
Min Balance $100 Details Christmas Savings balances are transferred on November 1st of each year. Dividends are paid on balances over $100.00. No minimum balance required. No annual maintenance fees. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Membership Savings Account	-	0.10%
Min Balance $100 Details Dividends are paid on balances over $100.00, excluding youth accounts. $5.00 minimum balance required for membership. No annual maintenance fees. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Sub-Savings Accounts	-	0.10%
Min Balance $100 Details No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $100.00. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Vacation Savings Account	-	0.10%
Min Balance $100 Details No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $100.00. Rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Money Market Rates

Product	Rate	APY
Insured Money Market Savings Account	-	2.60%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50% Oct 9, 20262.60%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	2.20%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 2.20% ▲ 0.10 pts · high 2.20% / low 2.10% Oct 9, 20262.20%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	2.00%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 2.00% ▲ 0.10 pts · high 2.00% / low 1.90% Oct 9, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.70%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.60% → 1.70% ▲ 0.10 pts · high 1.70% / low 1.60% Oct 9, 20261.70%▲ from 1.60% Sep 14, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.40%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Oct 9, 20261.40%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Insured Money Market Savings Account	-	1.10%
Min Balance $2,000 Details Balance: $2,000 to $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 9, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	7.125%	-	7.318%	15-Year
Details Published APR range: as low as 7.318%; Published rate range: as low as 7.125%. Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.81% → 7.32% ▲ 0.51 pts · high 7.32% / low 6.81% Oct 2, 20267.32%▲ from 7.19% Sep 29, 20267.19%▲ from 6.94% Sep 22, 20266.94%▲ from 6.81% Sep 14, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
20-Year Fixed	7.375%	-	7.652%	20-Year
Details Published APR range: as low as 7.652%; Published rate range: as low as 7.375%. Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.40% → 7.65% ▲ 0.26 pts · high 7.91% / low 7.40% Oct 9, 20267.65%▼ from 7.91% Oct 2, 20267.91%▲ from 7.78% Sep 29, 20267.78%▲ from 7.40% Sep 14, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
30-Year Fixed	7.50%	-	7.717%	30-Year
Details Published APR range: as low as 7.717%; Published rate range: as low as 7.500%. Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.33% → 7.72% ▲ 0.38 pts · high 7.85% / low 7.33% Oct 9, 20267.72%▼ from 7.85% Sep 29, 20267.85%▲ from 7.46% Sep 22, 20267.46%▲ from 7.33% Sep 14, 20267.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 5-Year Fixed	-	-	6.50%	5-Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 9, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity 7-Year Fixed	-	-	6.75%	7-Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 9, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Credit Card	-	-	6.75%
Details PRIME + 0%; Variable; Changes quarterly on the 1st of Feb, May, Aug, and Nov. Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity 10-Year Fixed	-	-	7.00%	10-Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Line of Credit	-	-	7.00%
Details PRIME + 0%; Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Changes on the 1st of each month. Payments based on $1.75 per $100.00 borrowed at the time of each advance. Credit limits based on SEV or appraised value. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Preferred Line of Credit - Variable Rate	-	-	7.00%	60 to 240 month
Details PRIME + 0%; Based on Prime Rate with a floor of 3.00% and ceiling of 15.00%. Changes on the 1st of each month. Payments based on a 60 to 240 month tier, determined by the line of credit amount and outstanding balance at the time of each advance. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity 15-Year Fixed	-	-	7.50%	15-Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 9, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	7.65%	36 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	7.65%	60 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	8.45%	72 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	9.45%	84 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	9.65%	120 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	9.85%	144 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 RVs, Campers, Travel Trailers, Boats, and Motorhomes Loan	-	10.05%	180 Months
Details As Low As; 100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Home Equity Credit Card	-	6.75%
Details PRIME + 0%; Variable; Changes quarterly on the 1st of Feb, May, Aug, and Nov. Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Isabella Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-Year Balloon - 30-Year Amortization Loan	7.375%	-	7.556%	10-Year
Details Published APR range: as low as 7.556%; Published rate range: as low as 7.375%. Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. Last Updated 10/09/2026 Rate History 2 changes since Sep 22, 2026 · 7.17% → 7.56% ▲ 0.38 pts · high 7.56% / low 7.17% Oct 9, 20267.56%▲ from 7.43% Sep 29, 20267.43%▲ from 7.17% Sep 22, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
5-Year Balloon - 30-Year Amortization Loan	7.125%	-	7.416%	5-Year
Details Published APR range: as low as 7.416%; Published rate range: as low as 7.125%. Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. Last Updated 10/09/2026 Rate History 2 changes since Sep 22, 2026 · 7.03% → 7.42% ▲ 0.39 pts · high 7.42% / low 7.03% Oct 9, 20267.42%▲ from 7.29% Sep 29, 20267.29%▲ from 7.03% Sep 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 Loan	-	-	4.90%	Up to 60 months
Details As Low As; Rates based on credit score. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.90% → 4.90% ▼ 0.00 pts · high 7.65% / low 4.90% Oct 9, 20264.90%▼ from 7.65% Sep 22, 20267.65%▲ from 4.90% Sep 14, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 Loan	-	-	5.15%	61 to 66 Months
Details As Low As; Rates based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 Loan	-	-	5.40%	67 to 72 months
Details As Low As; Rates based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 Loan	-	-	7.95%	60 Months
Details As low as; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2019 Loan	-	-	8.40%	72 Months
Details As low as; 100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
New to 2023 Loan	-	-	5.70%	73 to 84 months
Details As Low As; Rates based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

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

Isabella Community Credit Union’s Texas Ratio rose from 2.56% in Q3 2023 to 5.73% 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. 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	$222M	5.73%	5.0	A+
March 31, 2026	$223M	4.23%	5.0	A+
December 31, 2025	$221M	4.40%	5.0	A+
September 30, 2025	$213M	3.73%	5.0	A+
June 30, 2025	$213M	5.01%	5.0	A+
March 31, 2025	$212M	3.16%	5.0	A+
December 31, 2024	$207M	4.29%	5.0	A+
September 30, 2024	$204M	2.22%	5.0	A+
June 30, 2024	$204M	2.01%	5.0	A+
March 31, 2024	$197M	1.63%	5.0	A+
December 31, 2023	$192M	1.94%	5.0	A+
September 30, 2023	$187M	2.56%	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 Isabella Community 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 Isabella Community 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 Isabella Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Isabella Community Credit Union

Website https://www.iccuonline.com

Address 2400 S Isabella RD, MT Pleasant, MI 48858

Phone 989-773-5927

Fax 989-773-8757

President Tina Powell

CEO Jenny Hoyle

Full-Time Employees 40

Part-Time Employees 10

Branch Locations 4

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

5.73%

Return on Assets (ROA)

0.6307%

Return on Equity (ROE)

6.2620%

Non-Performing Loans Ratio (NPL)

1.14%

Total Assets

222,155,072

Total Amount of Shares and Deposits

198,804,160

Total Shares and Deposits < 1 Year

188,428,153

Total Shares and Deposits 1 3 Years

8,370,793

Total Shares and Deposits > 3 Years

2,005,214

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

1,438,049

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

1,438,049

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

197,366,111

Total Interest Expense (Sum of items 6 8)

1,354,363

Share Certificates

1,604

Number of Accounts for Share Drafts

11,065

IRA KEOGH Accounts

432

Number of Accounts for Regular Shares

19,907

All other shares

100

Money Market Shares

1,454

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

1,401,168

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)

30,612,928

Total Liabilities

200,633,648

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Isabella Community Credit Union earned the Verified Healthy 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Isabella Community Credit Union

Frequently Asked Questions About Isabella Community Credit Union

How many branches does Isabella Community Credit Union operate?

Isabella Community 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 Isabella Community Credit Union?

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

Does Isabella Community Credit Union offer online and mobile banking?

Most modern institutions like Isabella Community 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.iccuonline.com.

Current Isabella Community Credit Union Rates

12-Month CD3.65%
24-Month CD3.45%
60-Month CD3.65%
Savings2.60%

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

Compare to Other Credit Unions

Isabella Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Isabella Community Credit Union Texas Ratio

Isabella Community Credit Union Health Trend

Isabella Community Credit Union CD Rates

Isabella Community Credit Union Savings Rates

Isabella Community Credit Union Money Market Rates

Isabella Community Credit Union Mortgage Rates

Isabella Community Credit Union Home Equity & HELOC

Isabella Community Credit Union RV, Boat and Powersport Loan Rates

Isabella Community Credit Union Credit Card Rates

Isabella Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Isabella Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Isabella Community Credit Union

How many branches does Isabella Community Credit Union operate?

Is a member application needed to join Isabella Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Isabella Community Credit Union offer online and mobile banking?

Current Isabella Community Credit Union Rates

Compare to Other Credit Unions