What are the current interest rates at Inland Federal Credit Union?

Current rates for Inland Federal Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.80%, 24-Month CD: 3.30%, 60-Month CD: 3.90%, Savings: 0.05%, MMA: 0.15%

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Inland Federal Credit Union

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Inland Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Inland Federal Credit Union?

Yes, to access services at Inland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Inland 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: September 21, 2026

Inland Federal Credit Union's 60 Month CDs rates are at 4.00%, 60 Month CDs rates are at 3.95%, 18 Month CDs rates are at 3.90%, 60 Month CDs rates are at 3.90%, 18 Month CDs rates are at 3.85%. Inland Federal Credit Union's savings rates are at 0.05%. Inland Federal Credit Union's money market rates are at 0.15%. Inland Federal Credit Union's Personal Loan Rates are as low as 8.74%. Inland Federal Credit Union's Credit Card Rates are at 10.15%. MonitorBankRates evaluates the financial stability of Inland Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.69%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.69%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Inland Federal Credit Union
Main Office

8811 Grossmont Blvd
La Mesa, CA 91942

https://www.inlandfederal.org

Inland Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificates	3.93%	4.00%	60 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
60 Month Share Certificates	3.88%	3.95%	60 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
18 Month Share Certificates	3.83%	3.90%	18 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
60 Month Share Certificates	3.83%	3.90%	60 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
18 Month Share Certificates	3.78%	3.85%	18 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
18 Month Share Certificates	3.74%	3.80%	18 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
48 Month Share Certificates	3.55%	3.60%	48 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
48 Month Share Certificates	3.50%	3.55%	48 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
36 Month Share Certificates	3.45%	3.50%	36 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
48 Month Share Certificates	3.45%	3.50%	48 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
36 Month Share Certificates	3.40%	3.45%	36 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
24 Month Share Certificates	3.35%	3.40%	24 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
36 Month Share Certificates	3.35%	3.40%	36 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
24 Month Share Certificates	3.30%	3.35%	24 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
12 Month Share Certificates	3.25%	3.30%	12 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
24 Month Share Certificates	3.25%	3.30%	24 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
12 Month Share Certificates	3.20%	3.25%	12 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
12 Month Share Certificates	3.15%	3.20%	12 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
6 Month Share Certificates	2.85%	2.89%	6 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
6 Month Share Certificates	2.82%	2.86%	6 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
6 Month Share Certificates	2.80%	2.84%	6 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
3 Month Share Certificates	0.45%	0.45%	3 months
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
3 Month Share Certificates	0.40%	0.40%	3 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
3 Month Share Certificates	0.35%	0.35%	3 months
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Savings Rates

Product	Rate	APY
Pay Yourself Savings	0.05%	0.05%
Details Balance: All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Savings	0.05%	0.05%
Details Balance: All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Money Market	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Money Market	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Checking Rates

Product	Rate	APY
Advantage Checking	0.01%	0.01%
Details APY* applies to daily balances over $10,000. Balance: Daily balance over $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Big Easy Checking	0.01%	0.01%
Details Balance: All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans - New	-	-	4.54%
Details As Low As; New (2022 and newer); All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
Auto Loans - Used	-	-	5.49%
Details As Low As; Used (2015-2021); All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Traditional Credit Card	-	10.15%
Details Published APR range: 10.15% - 16.15%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
VISA Signature Credit Card	-	15.15%
Details Published APR range: 15.15% - 16.15%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.74%
Details As Low As; All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%
VISA Signature Credit Card	15.15%
Details Published APR range: 15.15% - 16.15%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

Inland Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Certificates	-	-	4.00%	up to 60 months
Min Balance $2,000 Details Primary savings account required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.69%

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

Inland Federal Credit Union’s Texas Ratio fell from 12.09% in Q2 2023 to 9.69% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$15M	9.69%	5.0	A
December 31, 2025	$15M	13.88%	5.0	A
September 30, 2025	$15M	16.98%	4.8	B+
June 30, 2025	$15M	20.05%	4.6	B
March 31, 2025	$17M	6.02%	5.0	A
December 31, 2024	$15M	20.12%	4.6	B
September 30, 2024	$16M	7.11%	5.0	A
June 30, 2024	$15M	20.96%	4.5	B
March 31, 2024	$15M	7.50%	5.0	A
December 31, 2023	$16M	13.32%	5.0	A
September 30, 2023	$16M	9.04%	5.0	A
June 30, 2023	$16M	12.09%	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 Inland 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 Inland 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 Inland Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Inland Federal Credit Union

Website https://www.inlandfederal.org

Address 8811 Grossmont Blvd, La Mesa, CA 91942

Phone 619-444-5656

Fax 619-444-2795

President Kathy Sladek

CEO Jeffrey Lower

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

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 (95/100)

Texas Ratio

9.69%

Return on Assets (ROA)

-0.1278%

Return on Equity (ROE)

-1.5896%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

14,795,534

Total Amount of Shares and Deposits

13,586,516

Total Shares and Deposits < 1 Year

13,241,593

Total Shares and Deposits 1 3 Years

331,680

Total Shares and Deposits > 3 Years

13,242

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

13,586,516

Total Interest Expense (Sum of items 6 8)

14,871

Share Certificates

Number of Accounts for Share Drafts

510

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,240

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)

2,501,310

Total Liabilities

13,605,893

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Inland Federal 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.

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

Customer Reviews

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Frequently Asked Questions About Inland Federal Credit Union

How many branches does Inland Federal Credit Union operate?

Inland 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 Inland Federal Credit Union?

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

Does Inland Federal Credit Union offer online and mobile banking?

Most modern institutions like Inland 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.inlandfederal.org.

Current Inland Federal Credit Union Rates

12-Month CD3.20%
18-Month CD3.80%
24-Month CD3.30%
60-Month CD3.90%
Savings0.05%
MMA0.15%

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

Compare to Other Credit Unions

Inland Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Inland Federal Credit Union Texas Ratio

Inland Federal Credit Union Health Trend

Inland Federal Credit Union CD Rates

Inland Federal Credit Union Savings Rates

Inland Federal Credit Union Money Market Rates

Inland Federal Credit Union Checking Rates

Inland Federal Credit Union Auto Loan Rates

Inland Federal Credit Union Credit Card Rates

Inland Federal Credit Union Personal Loan Rates

Inland Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Inland Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Inland Federal Credit Union

How many branches does Inland Federal Credit Union operate?

Is a member application needed to join Inland Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Inland Federal Credit Union offer online and mobile banking?

Current Inland Federal Credit Union Rates

Compare to Other Credit Unions