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

Current rates for Internationalites Federal Credit Union include: 12-Month CD: 3.04%, Savings: 0.00%

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Internationalites Federal Credit Union Rates and Review March 2026

Content reviewed by

Brian McKay

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Internationalites Federal Credit Union Deposit Rates

Internationalites Federal Credit Union's 12 Month CDs of Deposit rates are at 3.04%, 6 Month CDs of Deposit rates are at 3.04%. Internationalites Federal Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Internationalites Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates were last updated on 03/04/2026.

Internationalites Federal Credit Union

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

Internationalites Federal Credit Union Texas Ratio

Internationalites Federal Credit Union's Texas Ratio is at 0.01%, which is considered excellent. The Texas Ratio for Internationalites 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 Internationalites 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

Exceptional

Out of 5.0 Stars

Internationalites 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, Internationalites Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Overall Health & Safety Grade

A+

Exceptional Health

Score: 100/100

Internationalites Federal Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

3.04%

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

0.00%

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Rates Last Updated: 03/04/2026

Internationalites Federal Credit Union
Internationalites FCU

901 N Canal St
Carlsbad, NM 88220 5109

https://internationalites.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCEPTIONAL

🏆

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Internationalites Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificates of Deposit	3.00%	3.04%	12
Min Deposit$1,000 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6 Month Certificates of Deposit	3.00%	3.04%	6
Min Deposit$1,000 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Internationalites Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	3.00%	3.04%
Min Deposit$30 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Savings Accounts	0.30%	0.30%
Min Balance$10,000 Details$10,000.00 and up Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Savings Accounts	0.20%	0.20%
Min Balance$5,000 Details$5,000.00-$9,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Savings Accounts	0.10%	0.10%
Min Balance$201 Details$201.00-$4,999.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Savings Accounts	-	0.00%
Min Balance$30 Details$30.00 - $200.99 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Internationalites 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 Internationalites 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 Internationalites Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Internationalites Federal Credit Union

Website: https://internationalites.com

Full Time Employees: 3
Part Time Employees: 0
President: James Horn
CEO: Debbie Murrill
Branch Locations: 1
ATM Locations: 0

Corporate Office Address:

901 N Canal St
Carlsbad, NM 88220 5109
Phone Number: 575-885-4027
Fax Number: 575-887-3406

Financials

MonitorBankRates Star Rating:

5.0 / 5.0 ★

Overall Health & Safety Grade:

A+ (100/100)

Texas Ratio:

0.01%

Return on Assets (ROA):

0.1228%

Return on Equity (ROE):

0.6928%

Non-Performing Loans Ratio (NPL):

0.00%

Total Assets:

11,545,540

Total Amount of Shares and Deposits:

9,503,908

Total Shares and Deposits < 1 Year:

9,503,908

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

9,503,908

Total Interest Expense (Sum of items 6 8):

59,811

Share Certificates:

Number of Accounts for Share Drafts:

364

Number of Accounts for Regular Shares:

1,161

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

2,156,192

Total Liabilities:

9,498,899

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Internationalites Federal Credit Union

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

Yes, to access services at Internationalites Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Internationalites Federal Credit Union provides a range of mortgage and home equity products.

Is Internationalites Federal Credit Union a safe place to deposit money?

Yes, Internationalites Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.