What are the current interest rates at IDB Global Federal Credit Union?

Current rates for IDB Global Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.40%, 24-Month CD: 3.35%, 60-Month CD: 2.85%, Savings: 1.26%

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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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IDB Global Federal Credit Union

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IDB Global Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, IDB Global Federal 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

IDB Global Federal Credit Union's top rates as of October 9, 2026 are 3.75% APY on its CDs - 12 month CD, 1.26% APY on savings, 0.05% APY on checking, 5.38% on its 5/1 ARM mortgage, personal loans from 6.50% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other IDB Global Federal Credit Union CD rates include CDs - 6 month at 3.70%, CDs - 12 month at 3.65%, and CDs - 18 month at 3.65%. Other IDB Global Federal Credit Union mortgage rates include Adjustable-Rate Mortgages (ARM) - 5/1 ARM at 5.38%, 7/1 ARM at 6.25%, and Adjustable-Rate Mortgages (ARM) - 7/1 ARM at 6.25%. MonitorBankRates evaluates the financial stability of IDB Global Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy 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

0.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

IDB Global Federal Credit Union
Main Office IDB Global FCU

1300 New York Ave NW
Washington, DC 20577-0001

https://www.idbglobalfcu.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.

IDB Global Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 12 month	3.69%	3.75%	12 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 5, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 6 month	3.64%	3.70%	6 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 5, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 12 month	3.60%	3.65%	12 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 5, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 18 month	3.60%	3.65%	18 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Oct 5, 20263.65%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 6 month	3.55%	3.60%	6 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Oct 5, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 12 month	3.50%	3.55%	12 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 24 month	3.50%	3.55%	24 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35% Oct 5, 20263.55%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 18 month	3.45%	3.50%	18 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45% Oct 5, 20263.50%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 30 month	3.45%	3.50%	30 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 5, 20263.50%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 36 month	3.45%	3.50%	36 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 5, 20263.50%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 48 month	3.45%	3.50%	48 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 5, 20263.50%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 6 month	3.45%	3.50%	6 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 24 month	3.40%	3.45%	24 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 5, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 60 month	3.40%	3.45%	60 months
Min Balance $250,000 Details Balance: $250,000 and Over (Super Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 5, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 18 month	3.35%	3.40%	18 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35% Oct 5, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 30 month	3.35%	3.40%	30 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Oct 5, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 24 month	3.30%	3.35%	24 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 36 month	3.30%	3.35%	36 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Oct 5, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 48 month	3.30%	3.35%	48 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Oct 5, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 60 month	3.25%	3.30%	60 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 (Jumbo) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Oct 5, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 30 month	3.20%	3.25%	30 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 36 month	3.20%	3.25%	36 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20% Oct 5, 20263.25%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 48 month	3.20%	3.25%	48 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20% Oct 5, 20263.25%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Certificates - 60 month	3.15%	3.20%	60 months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 (Regular) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20% Oct 5, 20263.20%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
4-years Step-Up	2.86%	2.90%	4-years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
5-years Step-Up	2.81%	2.85%	5-years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6-years Step-Up	2.81%	2.85%	6-years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Share Savings Account	1.25%	1.26%
Min Balance $500,000 Details Balance: $500,000 - n/a Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
High-Yield Share Savings Account	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
High-Yield Share Savings Account	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
High-Yield Share Savings Account	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Primary Share Savings Account	0.10%	0.10%
Min Deposit $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Share Savings Account	0.10%	0.10%
No additional details. 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: 0.67%
High-Yield Share Savings Account	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking Account	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 ARM	5.375%	-	6.596%	5 Years
Details Term: Initial Fixed Period (First 5 Years) Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.23% → 6.60% ▲ 0.37 pts · high 6.60% / low 6.23% Oct 9, 20266.60%▲ from 6.23% Sep 17, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Adjustable-Rate Mortgages (ARM) - 5/1 ARM	5.375%	-	6.596%	5 Years
Details Term: Initial Fixed Period (First 5 Years) Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.23% → 6.60% ▲ 0.37 pts · high 6.60% / low 6.23% Oct 9, 20266.60%▲ from 6.27% Oct 2, 20266.27%▲ from 6.23% Sep 14, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
7/1 ARM	6.25%	-	6.824%	7 Years
Details Term: Initial Fixed Period (First 7 Years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.33% → 6.82% ▲ 0.50 pts · high 6.82% / low 6.33% Oct 9, 20266.82%▲ from 6.33% Sep 14, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Adjustable-Rate Mortgages (ARM) - 7/1 ARM	6.25%	-	6.824%	7 Years
Details Term: Initial Fixed Period (First 7 Years) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.39% → 6.82% ▲ 0.44 pts · high 6.82% / low 6.25% Oct 9, 20266.82%▲ from 6.25% Oct 2, 20266.25%▼ from 6.33% Sep 25, 20266.33%▼ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
10/1 ARM	6.50%	-	6.847%	10 Years
Details Term: Initial Fixed Period (First 10 Years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.31% → 6.85% ▲ 0.54 pts · high 6.85% / low 6.31% Oct 9, 20266.85%▲ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Adjustable-Rate Mortgages (ARM) - 10/1 ARM	6.50%	-	6.847%	10 Years
Details Term: Initial Fixed Period (First 10 Years) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.35% → 6.85% ▲ 0.50 pts · high 6.85% / low 6.27% Oct 9, 20266.85%▲ from 6.27% Oct 2, 20266.27%▼ from 6.31% Sep 25, 20266.31%▼ from 6.35% Sep 14, 20266.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3/1 ARM	5.875%	-	6.985%	3 Years
Details Term: Initial Fixed Period (First 3 Years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.58% → 6.99% ▲ 0.40 pts · high 6.99% / low 6.58% Oct 9, 20266.99%▲ from 6.58% Sep 14, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Adjustable-Rate Mortgages (ARM) - 3/1 ARM	5.875%	-	6.985%	3 Years
Details Term: Initial Fixed Period (First 3 Years) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.67% → 6.99% ▲ 0.31 pts · high 6.99% / low 6.44% Oct 9, 20266.99%▲ from 6.44% Oct 2, 20266.44%▼ from 6.58% Sep 25, 20266.58%▼ from 6.67% Sep 14, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
15-Year Fixed	6.875%	-	7.039%	15-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
10-Year Fixed	6.875%	-	7.105%	10-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
20-Year Fixed	7.125%	-	7.259%	20-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3/3 ARM	5.875%	-	7.347%	3 Years
Details Term: Initial Fixed Period (First 3 Years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 7.35% ▲ 0.58 pts · high 7.35% / low 6.76% Oct 9, 20267.35%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Adjustable-Rate Mortgages (ARM) - 3/3 ARM	5.875%	-	7.347%	3 Years
Details Term: Initial Fixed Period (First 3 Years) Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.85% → 7.35% ▲ 0.49 pts · high 7.35% / low 6.44% Oct 9, 20267.35%▲ from 6.44% Oct 2, 20266.44%▼ from 6.76% Sep 25, 20266.76%▼ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
30-Year Fixed	7.375%	-	7.481%	30-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - Primary Residence - 1st Residence - 1st Deed - 50% CLTV	-	-	5.75%
Details CLTV: 50% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 1st Deed - 60% CLTV	-	-	6.00%
Details CLTV: 60% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 1st Deed - 70% CLTV	-	-	6.25%
Details CLTV: 70% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 1st Deed - 80% CLTV	-	-	6.50%
Details CLTV: 80% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 2nd Deed - 50% CLTV	-	-	6.50%
Details CLTV: 50% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 1st Deed - 50% LTV	-	-	6.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 2nd Deed - 60% CLTV	-	-	6.75%
Details CLTV: 60% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 1st Deed - 60% LTV	-	-	7.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 2nd Deed - 70% CLTV	-	-	7.00%
Details CLTV: 70% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 1st Deed - 70% LTV	-	-	7.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Line of Credit - Primary Residence - 1st Residence - 2nd Deed - 80% CLTV	-	-	7.25%
Details CLTV: 80% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 1st Deed - 80% LTV	-	-	7.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 2nd Deed - 50% LTV	-	-	7.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 2nd Deed - 60% LTV	-	-	7.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 2nd Deed - 70% LTV	-	-	8.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity 2nd Home - NOO - 2nd Deed - 80% LTV	-	-	8.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan-New Vehicle (Fixed Rate)	-	-	3.25%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-New Vehicle (Fixed Rate)	-	-	3.25%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	3.50%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	3.50%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-New Vehicle (Fixed Rate)	-	-	3.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	4.00%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-New Vehicle (Fixed Rate)	-	-	4.25%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	4.50%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-New Vehicle (Fixed Rate)	-	-	4.75%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	5.00%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-New Vehicle (Fixed Rate)	-	-	5.25%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan-Used Vehicle (Fixed Rate)	-	-	5.50%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	-	10.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Visa Platinum	-	13.25%
Details Regular APR: 13.250% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Variable Rate	6.50%	24 months
Details Additional APR listed for this product: 8.750%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan - Variable Rate	6.75%	36 months
Details Additional APR listed for this product: 9.250%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan NCOF	6.75%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan - Variable Rate	7.00%	48 months
Details Additional APR listed for this product: 9.750%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan - Variable Rate	7.25%	60 months
Details Additional APR listed for this product: 10.250%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan - Variable Rate	8.25%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan NCOF	15.875%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.88% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

IDB Global Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Country Office Loans	-	-	15.875%
Details Access financing designed for your needs in your country of residence. Country Office Loans - Country Office Loans Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.88% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Educational Line of Credit	-	-	7.75%	120 months
Details Margin: 4.000% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Educational Loans	-	-	7.75%
Details Invest in your future with flexible financing to achieve your education goals. Educational Loans - Educational Loans Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Family Support Loan - Variable Rate	-	-	6.25%
Details Support your family when they need it most with financing designed to help, even from afar. Family Support Loan - Variable Rate - Family Support Loan - Variable Rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Special Educational Advance Loan	-	-	6.75%	15 months
Details Interest only; principal due at maturity Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Kasasa Cash Rewards Checking	-	-	5.00%
Min Balance $0 Details Qualifications Required; APY is 4.00% or 5.00% depending on qualifications met; Qualifying balance up to $1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

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

IDB Global Federal Credit Union’s Texas Ratio stayed near 0.62% in Q3 2023 to 0.67% 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	$842M	0.67%	5.0	A+
March 31, 2026	$846M	0.88%	5.0	A+
December 31, 2025	$826M	1.59%	5.0	A+
September 30, 2025	$821M	0.98%	5.0	A+
June 30, 2025	$825M	0.80%	5.0	A+
March 31, 2025	$823M	0.43%	5.0	A+
December 31, 2024	$803M	0.80%	5.0	A+
September 30, 2024	$800M	0.83%	5.0	A+
June 30, 2024	$788M	0.33%	5.0	A+
March 31, 2024	$800M	0.37%	5.0	A+
December 31, 2023	$794M	0.48%	5.0	A+
September 30, 2023	$777M	0.62%	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 IDB Global Federal 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 IDB Global Federal 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 IDB Global Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IDB Global Federal Credit Union

Website https://www.idbglobalfcu.org

Address 1300 New York Ave NW, Washington, DC 20577-0001

Phone 202-623-3363

Fax 202-623-3339

President Claudia Franco

CEO William (Chip) Lusk, Jr.

Full-Time Employees 55

Part-Time Employees 0

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

0.67%

Return on Assets (ROA)

0.2253%

Return on Equity (ROE)

1.8253%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

842,376,131

Total Amount of Shares and Deposits

713,571,571

Total Shares and Deposits < 1 Year

666,817,319

Total Shares and Deposits 1 3 Years

29,498,946

Total Shares and Deposits > 3 Years

17,255,304

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

175,174,551

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

175,174,551

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

538,397,020

Total Interest Expense (Sum of items 6 8)

5,973,599

Share Certificates

3,203

Number of Accounts for Share Drafts

14,503

Number of Accounts for Regular Shares

16,374

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

1,897,961

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)

25,945,535

Total Liabilities

744,727,983

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

IDB Global Federal 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

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Frequently Asked Questions About IDB Global Federal Credit Union

How many branches does IDB Global Federal Credit Union operate?

IDB Global Federal 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 IDB Global Federal Credit Union?

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

Does IDB Global Federal Credit Union offer online and mobile banking?

Most modern institutions like IDB Global Federal 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.idbglobalfcu.org.

Current IDB Global Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.40%
24-Month CD3.35%
60-Month CD2.85%
Savings1.26%

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

Compare to Other Credit Unions

IDB Global Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

IDB Global Federal Credit Union Texas Ratio

IDB Global Federal Credit Union Health Trend

IDB Global Federal Credit Union CD Rates

IDB Global Federal Credit Union Savings Rates

IDB Global Federal Credit Union Checking Rates

IDB Global Federal Credit Union Mortgage Rates

IDB Global Federal Credit Union Home Equity & HELOC

IDB Global Federal Credit Union Auto Loan Rates

IDB Global Federal Credit Union Credit Card Rates

IDB Global Federal Credit Union Personal Loan Rates

IDB Global Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

IDB Global Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About IDB Global Federal Credit Union

How many branches does IDB Global Federal Credit Union operate?

Is a member application needed to join IDB Global Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does IDB Global Federal Credit Union offer online and mobile banking?

Current IDB Global Federal Credit Union Rates

Compare to Other Credit Unions