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 Integra First Federal Credit Union Rates & Review September 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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Integra First Federal Credit Union's 60 Month Term CD rates are at 3.04%, 48 Month Term CD rates are at 2.78%, 36 Month Term CD rates are at 2.68%, 24 Month Term CD rates are at 2.52%, 12 Month Term CD rates are at 2.35%. Integra First Federal Credit Union's savings rates are at 0.20%. Integra First Federal Credit Union's money market rates are at 0.25%. Integra First Federal Credit Union's Personal Loan Rates are as low as 10.00%. Integra First Federal Credit Union's Credit Card Rates are at 6.90%. MonitorBankRates evaluates the financial stability of Integra First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates last updated and verified on 09/18/2026. Integra First 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 Integra First Federal Credit Union? Share your experience about Integra First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Integra First Federal Credit Union. Integra First Federal Credit Union
Powers Branch W3803 US Highway 2/41
https://www.integrafirstfcu.com Powers, MI 49874-9793 
Integra First Federal Credit Union CD Rates
Integra First Federal Credit Union Savings Rates
Integra First Federal Credit Union Money Market Rates
Integra First Federal Credit Union Home Equity & HELOC
Integra First Federal Credit Union Auto Loan Rates
Integra First Federal Credit Union RV, Boat and Powersport Loan Rates
Integra First Federal Credit Union Credit Card Rates
Integra First Federal Credit Union Personal Loan Rates
Integra First Federal Credit Union Other Rates
Financial Health HistoryIntegra First Federal Credit Union’s Texas Ratio rose from 4.17% in Q2 2023 to 6.88% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Integra First 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 Integra First 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 Integra First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Integra First Federal Credit Union
Website
https://www.integrafirstfcu.com
Address
W3803 US Highway 2/41,
Powers, MI 49874-9793
Phone
906-497-5229
Fax
906-497-5881
President
Marc Kleiman
CEO
Mindy Brezsko
Full-Time Employees
28
Part-Time Employees
8
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.88%
Return on Assets (ROA)
0.0242%
Return on Equity (ROE)
0.2705%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
135,645,648
Total Amount of Shares and Deposits
122,975,833
Total Shares and Deposits < 1 Year
117,098,260
Total Shares and Deposits 1 3 Years
2,420,670
Total Shares and Deposits > 3 Years
3,456,901
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,177,302
Total Uninsured Shares and Deposits > $250K (F+J)
8,177,302
Total Insured Shares and Deposits > $250K (item 17 less item K)
114,798,531
Total Interest Expense (Sum of items 6 8)
219,693
Share Certificates
485
Number of Accounts for Share Drafts
7,020
IRA KEOGH Accounts
210
Number of Accounts for Regular Shares
11,694
All other shares
89
Money Market Shares
533
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)
10,411,616
Total Liabilities
123,860,918
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Integra First Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Integra First Federal Credit Union
Frequently Asked Questions About Integra First Federal Credit UnionHow many branches does Integra First Federal Credit Union operate?Integra First 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 Integra First Federal Credit Union?Yes, to access services at Integra First 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, Integra First 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, Integra First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Integra First Federal Credit Union offer online and mobile banking?Most modern institutions like Integra First 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.integrafirstfcu.com. Current Integra First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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