MonitorBankRates
☰
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home›
  2. Credit Unions›
  3. IAA Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

IAA Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

IAA Credit Union's CDs 18 month rates are at 3.90%, CDs 12 month rates are at 3.85%, CDs 6 month rates are at 3.75%. IAA Credit Union's money market rates are at 2.22%. IAA Credit Union's Personal Loan Rates are as low as 9.95%. 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 1.75%. Rates last updated and verified on 09/22/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 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 ?
1.75%
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
Member NCUA

IAA Credit Union CD Rates

Product Rate APY Term View More
Share Certificates 18 month - 3.90% 18 Months
Min Deposit $1,000
Details Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Share Certificates 12 month - 3.85% 12 Months
Min Deposit $1,000
Details Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Share Certificates 6 month - 3.75% 6 Months
Min Deposit $1,000
Details Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

IAA Credit Union Money Market Rates

Product Rate APY View More
Platinum Money Market Account - 2.22%
Min Balance $50,000
Details Rate with Platinum Checking and at least $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

IAA Credit Union Auto Loan Rates

Product Rate Points APR Term View More
2026 & Newer 66 Month Auto Loan - - 4.49% 66 Month
Details As low as; Rate includes discounts for platinum checking and automatic payment.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
2026 & Newer 72 Month Auto Loan - - 4.73% 72 Month
Details As low as; Rate includes discounts for platinum checking and automatic payment.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

IAA Credit Union Personal Loan Rates

Product APR Term View More
36 Month Personal Loan 9.95% 36 Month
Details As low as; Rate includes discounts for platinum checking and automatic payment.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

IAA Credit Union Other Rates

Product Rate Points APY/APR Term View More
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
10 Year Fixed Rate 90% LTV - - 8.25% 10 Year
Details As low as; Rate includes discounts for platinum checking and automatic payment.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
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.
Powered by MonitorBankRates

Financial Health History

IAA Credit Union’s Texas Ratio stayed near 1.29% in Q2 2023 to 1.75% in Q1 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.

0% 1.0★ 0.9% 2.0★ 1.8% 3.0★ 2.7% 4.0★ 3.6% 5.0★ Healthy zone – entire history below the 15% limit 1.29% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.75% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$414M1.75%5.0A+
December 31, 2025$403M1.80%5.0A+
September 30, 2025$391M1.83%5.0A+
June 30, 2025$390M1.55%5.0A+
March 31, 2025$401M1.43%5.0A+
December 31, 2024$386M2.66%5.0A+
September 30, 2024$374M1.86%5.0A+
June 30, 2024$372M1.65%5.0A+
March 31, 2024$373M1.53%5.0A+
December 31, 2023$359M0.82%5.0A+
September 30, 2023$353M1.19%5.0A+
June 30, 2023$362M1.29%5.0A+
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 47
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
1.75%
Return on Assets (ROA)
0.2792%
Return on Equity (ROE)
2.0209%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
414,153,328
Total Amount of Shares and Deposits
351,116,530
Total Shares and Deposits < 1 Year
318,134,605
Total Shares and Deposits 1 3 Years
27,742,319
Total Shares and Deposits > 3 Years
5,239,606
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,676,703
Total Uninsured Shares and Deposits > $250K (F+J)
23,676,703
Total Insured Shares and Deposits > $250K (item 17 less item K)
327,439,827
Total Interest Expense (Sum of items 6 8)
2,607,484
Share Certificates
3,260
Number of Accounts for Share Drafts
9,722
IRA KEOGH Accounts
900
Number of Accounts for Regular Shares
25,308
All other shares
1,540
Money Market Shares
2,574
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)
43,303,362
Total Liabilities
356,933,941
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

IAA Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<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.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for IAA Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for IAA Credit Union
Your Name:
Your Rating:

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 CD3.85%
  • 18-Month CD3.90%
  • MMA2.22%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Empowerment Community Development Federal Credit Union Ravenswood Federal Credit Union FIRELANDS WSSC Federal Credit Union Tappan Community Credit Union CANANDAIGUA Lakes Federal Credit Union Neighbors Federal Credit Union TEXAS PEOPLE CS Credit Union Jersey City Police Federal Credit Union Sikeston Public Schools Credit Union Ohio Catholic Federal Credit Union Becco Buffalo Federal Credit Union Verve a Credit Union Otero Federal Credit Union FIRST EAGLE Members Choice Credit Union Ashland, KY Kohler Credit Union Community First Credit Union Firefighters First Federal Credit Union