What are the current interest rates at IAA Credit Union?

Current rates for IAA Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.03%, MMA: 2.43%

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IAA Credit Union

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IAA Credit Union Rates & Review October 2026

Q: How many branches does IAA Credit Union operate?

IAA 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 IAA Credit Union?

Yes, to access services at IAA 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, IAA 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, IAA 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

IAA Credit Union's top rates as of October 10, 2026 are 4.03% APY on its CDs 18 month CD, 2.43% APY on money market accounts, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other IAA Credit Union CD rates include CDs 12 month at 4.00%, and CDs 6 month at 3.90%. MonitorBankRates evaluates the financial stability of IAA Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 10/10/2026.

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

1.90%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

IAA Credit Union
IAA Credit Union Main Branch

808 Iaa Dr
Bloomington, IL 61701-2214

https://www.iaacu.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.

IAA Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates 18 month	-	4.03%	18 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90% Oct 10, 20264.03%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Certificates 12 month	-	4.00%	12 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 10, 20264.00%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Share Certificates 6 month	-	3.90%	6 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 10, 20263.90%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

IAA Credit Union Money Market Rates

Product	Rate	APY	View More
Platinum Money Market Account	-	2.43%
Min Balance $50,000 Details Rate with Platinum Checking and at least $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.43% ▲ 0.21 pts · high 2.43% / low 2.22% Oct 10, 20262.43%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

IAA Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit 80% LTV	-	-	6.75%
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

IAA Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2026 & Newer 66 Month Auto Loan	-	-	4.85%	66 Month
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.85% ▲ 0.36 pts · high 4.85% / low 4.49% Oct 10, 20264.85%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
2026 & Newer 72 Month Auto Loan	-	-	5.10%	72 Month
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.73% → 5.10% ▲ 0.37 pts · high 5.10% / low 4.73% Oct 10, 20265.10%▲ from 4.73% Sep 18, 20264.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

IAA Credit Union Personal Loan Rates

Product	APR	Term	View More
36 Month Personal Loan	10.50%	36 Month
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 10.50% ▲ 0.55 pts · high 10.50% / low 9.95% Oct 10, 202610.50%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

IAA Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Year Fixed Rate 80% LTV	-	-	7.25%	10 Year
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
10 Year Fixed Rate 90% LTV	-	-	8.50%	10 Year
Details As Low As; Rate includes discounts for platinum checking and automatic payment. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00% Oct 10, 20268.50%▲ from 8.25% Sep 18, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

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

IAA Credit Union’s Texas Ratio rose from 1.19% in Q3 2023 to 1.90% 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	$415M	1.90%	5.0	A+
March 31, 2026	$414M	1.75%	5.0	A+
December 31, 2025	$403M	1.80%	5.0	A+
September 30, 2025	$391M	1.83%	5.0	A+
June 30, 2025	$390M	1.55%	5.0	A+
March 31, 2025	$401M	1.43%	5.0	A+
December 31, 2024	$386M	2.66%	5.0	A+
September 30, 2024	$374M	1.86%	5.0	A+
June 30, 2024	$372M	1.65%	5.0	A+
March 31, 2024	$373M	1.53%	5.0	A+
December 31, 2023	$359M	0.82%	5.0	A+
September 30, 2023	$353M	1.19%	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 IAA 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 IAA 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 IAA Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IAA Credit Union

Website https://www.iaacu.org

Address 808 Iaa Dr, Bloomington, IL 61701-2214

Phone 309-557-2541

Fax 309-557-2419

President Thomas Swearingen

CEO Nick Brooks

Full-Time Employees 46

Part-Time Employees 4

Branch Locations 2

ATM Locations 2

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

1.90%

Return on Assets (ROA)

0.5338%

Return on Equity (ROE)

3.8007%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

414,952,942

Total Amount of Shares and Deposits

351,172,067

Total Shares and Deposits < 1 Year

314,615,982

Total Shares and Deposits 1 3 Years

31,260,475

Total Shares and Deposits > 3 Years

5,295,610

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

26,216,817

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

26,216,817

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

324,955,250

Total Interest Expense (Sum of items 6 8)

5,318,319

Share Certificates

3,256

Number of Accounts for Share Drafts

9,813

IRA KEOGH Accounts

884

Number of Accounts for Regular Shares

25,592

All other shares

1,532

Money Market Shares

2,589

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)

39,586,152

Total Liabilities

356,674,899

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

IAA 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.

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/iaa-credit-union-rates-review-68423">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About IAA Credit Union

How many branches does IAA Credit Union operate?

IAA 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 IAA Credit Union?

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

Does IAA Credit Union offer online and mobile banking?

Most modern institutions like IAA 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.iaacu.org.

Current IAA Credit Union Rates

12-Month CD4.00%
18-Month CD4.03%
MMA2.43%

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

Compare to Other Credit Unions

IAA Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

IAA Credit Union Texas Ratio

IAA Credit Union Health Trend

IAA Credit Union CD Rates

IAA Credit Union Money Market Rates

IAA Credit Union Home Equity & HELOC

IAA Credit Union Auto Loan Rates

IAA Credit Union Personal Loan Rates

IAA Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

IAA Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About IAA Credit Union

How many branches does IAA Credit Union operate?

Is a member application needed to join IAA Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does IAA Credit Union offer online and mobile banking?

Current IAA Credit Union Rates

Compare to Other Credit Unions