Indiana Lakes Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
Indiana Lakes Federal Credit Union's CD 6 month rates are at 3.75%, CD 12 month rates are at 3.50%, CD 18 month rates are at 3.50%, CD 24 month rates are at 3.00%. Indiana Lakes Federal Credit Union's savings rates are at 0.20%. You can compare Indiana Lakes Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.05%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 3.75%. Savings rates are at 0.15% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates, and more, can be found in our database of rates which you can compare to Indiana Lakes Federal Credit Union rates.
Indiana Lakes 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 Indiana Lakes Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Indiana Lakes Federal Credit Union Texas RatioIndiana Lakes Federal Credit Union's Texas Ratio is at 3.70%, which is considered excellent. The Texas Ratio for Indiana Lakes Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Indiana Lakes Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Indiana Lakes Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Indiana Lakes Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Indiana Lakes Federal Credit Union
322 South Detroit Street 322 S Detroit St
Warsaw, IN 46580 4401 
Indiana Lakes Federal Credit Union CD Rates
Indiana Lakes Federal Credit Union Savings Rates
Indiana Lakes Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Indiana Lakes 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 Indiana Lakes 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 Indiana Lakes Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Indiana Lakes Federal Credit Union
Website: https://www.ilfcu.org
Full Time Employees: 5Part Time Employees: 1 President: Bruce Robinaugh CEO: Jamie Bales Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
322 S Detroit St
Warsaw, IN 46580 4401 Phone Number: 574-267-7497 Fax Number: 574-269-9509 FinancialsTotal Assets:
26,462,054
Total Amount of Shares and Deposits:
23,252,933
Total Shares and Deposits < 1 Year:
22,746,466
Total Shares and Deposits 1 3 Years:
506,467
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,353,878
Total Uninsured Shares and Deposits > $250K (F+J):
1,353,878
Total Insured Shares and Deposits > $250K (item 17 less item K):
21,899,055
Total Interest Expense (Sum of items 6 8):
236,426
Share Certificates:
172
Number of Accounts for Share Drafts:
1,128
Number of Accounts for Regular Shares:
1,787
All other shares:
302
Money Market Shares:
31
Net Income (unless the amount is already included in Undivided Earnings):
141,089
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,595,448
Total Liabilities:
23,308,285
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Indiana Lakes Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Indiana Lakes Federal Credit Union
Frequently Asked Questions About Indiana Lakes Federal Credit UnionIs a member application needed to join Indiana Lakes Federal Credit Union?Yes, to access services at Indiana Lakes Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Indiana Lakes Federal Credit Union provides a range of mortgage and home equity products. Is Indiana Lakes Federal Credit Union a safe place to deposit money?Yes, Indiana Lakes Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Indiana Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Indiana Lakes Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
