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Inland Valley Federal Credit Union

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Inland Valley Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Inland Valley 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 23, 2026

Inland Valley Federal Credit Union's 5/5 First Mortgages Purchase or Refinance rates are at 4.95%. Inland Valley Federal Credit Union's Personal Loan Rates are as low as 10.99%. Inland Valley Federal Credit Union's Credit Card Rates are at 8.88%. MonitorBankRates evaluates the financial stability of Inland Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.24%. Rates last updated and verified on 09/23/2026.

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

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

1.24%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Inland Valley Federal Credit Union
9389 cherry ave

9389 Cherry Ave
Fontana, CA 92335

https://www.ivfcu.org/

Inland Valley Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/5 First Mortgages Purchase or Refinance	4.95%	-	4.95%
Details Rates Adjust every 5 Years; Maximum 80% Loan to Value; Maximum in Total (with any other mortgages); Owner Occupied; rates may be adjusted higher depending on credit score and LTV limits Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.75%	-	6.75%	10 Year Draw Period
Details Owner Occupied; Payment Calculated over 20 Year Loan Term Amortization; Adjustable Rate; Maximum 80% Loan to Value; Maximum in Total (with any other mortgages); rates may be adjusted higher depending on credit score and LTV limits Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	2.24%	18 months
Details As Low As; 80% LTV Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
New Auto Loan	-	-	4.74%
Details As Low As; For current year models. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
Used Auto Loan	-	-	5.24%	5 yrs
Details As Low As; For loans 5 yrs and newer. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
Older Used Vehicle Loan	-	-	5.74%
Details As Low As; Vehicles more than 5 years old. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	5.44%
Details As Low As; Have some fun this summer in your new RV. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	8.88%
Details As Low As; Apply for a MasterCard Credit Card today! Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
Credit Card 2% Cash Back	-	9.84%
Details As Low As; Apply for a MasterCard Credit Card with 2% Cash Back. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%
Details As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
Debt Consolidation Loan	13.99%
Details As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

Inland Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Equity HELOC	-	-	3.50%
Details As Low As; Owner Occupied only. Inland Valley FCU utilizes a Risked Based Lending system. The above Base Rates will be adjusted based on a combination of your Transunion Vantage Score. On Vehicle, Recreation Vehicle and Personal Loans: The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. The following .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%
Line of Credit	-	-	6.25%
Details As Low As; Protect your checking, apply now for overdraft protection. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.24%

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 Valley Federal Credit Union’s Texas Ratio fell from 2.47% in Q2 2023 to 1.24% in Q1 2026, so its financial health has improved and is now 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
March 31, 2026	$54M	1.24%	5.0	A+
December 31, 2025	$53M	0.99%	5.0	A+
September 30, 2025	$52M	1.46%	5.0	A+
June 30, 2025	$53M	0.86%	5.0	A+
March 31, 2025	$53M	1.53%	5.0	A+
December 31, 2024	$54M	1.28%	5.0	A+
September 30, 2024	$54M	1.08%	5.0	A+
June 30, 2024	$54M	3.67%	5.0	A+
March 31, 2024	$55M	3.48%	5.0	A+
December 31, 2023	$53M	2.55%	5.0	A+
September 30, 2023	$53M	4.11%	5.0	A+
June 30, 2023	$56M	2.47%	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 Valley 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 Valley 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 Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Inland Valley Federal Credit Union

Website https://www.ivfcu.org/

Address 9389 Cherry Ave, Fontana, CA 92335

Phone 909-822-1810

Fax 909-357-3005

President Chris Krueger

CEO charles papenfus

Full-Time Employees 11

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+ (99/100)

Texas Ratio

1.24%

Return on Assets (ROA)

0.0483%

Return on Equity (ROE)

0.5668%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

54,343,947

Total Amount of Shares and Deposits

49,523,720

Total Shares and Deposits < 1 Year

46,796,733

Total Shares and Deposits 1 3 Years

2,619,401

Total Shares and Deposits > 3 Years

107,586

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

7,561,644

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

7,561,644

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

41,962,076

Total Interest Expense (Sum of items 6 8)

82,568

Share Certificates

186

Number of Accounts for Share Drafts

2,496

IRA KEOGH Accounts

131

Number of Accounts for Regular Shares

4,332

All other shares

233

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)

2,641,207

Total Liabilities

49,708,269

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Inland Valley 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.

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.

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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 Valley Federal Credit Union

How many branches does Inland Valley Federal Credit Union operate?

Inland Valley 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 Valley Federal Credit Union?

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

Does Inland Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Inland Valley 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.ivfcu.org/.