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Immaculate Heart of Mary Credit Union

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Immaculate Heart of Mary Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Immaculate Heart of Mary 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: April 23, 2026

You can compare Immaculate Heart of Mary Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.70%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 0.50%. Savings rates are at 0.05% and money market rates are at 0.45%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to Immaculate Heart of Mary Credit Union rates. MonitorBankRates evaluates the financial stability of Immaculate Heart of Mary Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.82%. Rates were last updated on 04/23/2026.

Immaculate Heart of Mary 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 Immaculate Heart of Mary Credit Union? Share your experience about Immaculate Heart of Mary Credit Union by leaving a review below, or read customer reviews before you decide to use Immaculate Heart of Mary Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.82%

Excellent Higher than avg

Immaculate Heart of Mary Credit Union
IHM Credit Union

818 12th St
Lafayette, LA 70501 6118

Current Rate Availability

We do not have Immaculate Heart of Mary Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Immaculate Heart of Mary 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 Immaculate Heart of Mary 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 Immaculate Heart of Mary Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Immaculate Heart of Mary Credit Union

Website

Address 818 12th St, Lafayette, LA 70501 6118

Phone 337-593-0591

Fax 337-593-0592

President J Cedric Dauphin

CEO Carol Gaines

Full-Time Employees 0

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.82%

Return on Assets (ROA)

1.1360%

Return on Equity (ROE)

3.7185%

Non-Performing Loans Ratio (NPL)

10.42%

Total Assets

624,370

Total Amount of Shares and Deposits

432,670

Total Shares and Deposits < 1 Year

432,670

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

432,670

Number of Accounts for Regular Shares

354

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

7,093

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

156,086

Total Liabilities

433,621

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Immaculate Heart of Mary Credit Union

Is Immaculate Heart of Mary Credit Union a safe place to deposit money?

Yes, Immaculate Heart of Mary Credit Union is considered a safe financial institution. With a Texas Ratio of 8.8200463319006%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Immaculate Heart of Mary Credit Union operate?

Immaculate Heart of Mary 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 Immaculate Heart of Mary Credit Union?

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

Does Immaculate Heart of Mary Credit Union offer online and mobile banking?

Most modern institutions like Immaculate Heart of Mary Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.