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IBEW SJ Cascade Federal Credit Union

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IBEW SJ Cascade Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, IBEW SJ Cascade 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 13, 2026

IBEW SJ Cascade Federal Credit Union's Personal Loan Rates are as low as 9.90%. IBEW SJ Cascade Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of IBEW SJ Cascade Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.15%. Rates last updated and verified on 09/13/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.15%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

IBEW SJ Cascade Federal Credit Union
IBEW/SJ Cascade FCU

1825 12th St SE Ste 130
Salem, OR 97302-2159

https://ibewsjcu.org

IBEW SJ Cascade Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
NEW VEHICLE Loan	-	-	5.49%	96 Months**
Details Up to 100% Financing Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
USED VEHICLE Loan	-	-	5.49%	84 Months**
Details Amount Financed: 90% of Retail Book Value Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Used Vehicle Loan	-	-	7.99%	60 Months
Details Amount Financed: 80% of Retail Book Value Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

IBEW SJ Cascade Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
NEW RV Loan	-	6.99%	144 Months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
USED RV Loan	-	7.59%	120 Months
Details Amount Financed: 90% of Retail Purchase Price Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
USED RV OVER FIVE YEARS OLD Loan	-	8.59%	60 Months
Details Amount Financed: 80% of Retail Book Value Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
NEW MOTORCYCLE Loan	-	8.99%	72 Months
Details Amount Financed: 90% of Purchase Price Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Used Motorcycle Loan	-	8.99%	60 Months
Details Amount Financed: 80% of Estimated Value Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
USED MOTORCYCLE Loan	-	9.99%	60 Months
Details Amount Financed: 80% of Retail Book Value Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

IBEW SJ Cascade Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.99%
Details Maximum $9,000. To Request a Visa Credit Card Agreement, Please Call 1-800-642-5182. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

IBEW SJ Cascade Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.90%	Up to 60-Month
Details Maximum $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

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

IBEW SJ Cascade Federal Credit Union’s Texas Ratio rose from 1.42% in Q2 2023 to 6.15% 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)

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	$23M	6.15%	5.0	A
December 31, 2025	$22M	2.03%	5.0	A+
September 30, 2025	$22M	0.46%	5.0	A+
June 30, 2025	$22M	5.78%	5.0	A+
March 31, 2025	$22M	1.92%	5.0	A+
December 31, 2024	$22M	1.57%	5.0	A+
September 30, 2024	$22M	11.26%	5.0	A
June 30, 2024	$22M	18.10%	4.7	B+
March 31, 2024	$22M	6.71%	5.0	A
December 31, 2023	$23M	14.69%	5.0	A-
September 30, 2023	$23M	2.06%	5.0	A+
June 30, 2023	$23M	1.42%	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 IBEW SJ Cascade 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 IBEW SJ Cascade 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 IBEW SJ Cascade Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IBEW SJ Cascade Federal Credit Union

Website https://ibewsjcu.org

Address 1825 12th St SE Ste 130, Salem, OR 97302-2159

Phone 503-581-6221

Fax 503-588-8165

President Gregory McLeod

CEO Lisa Swartwout

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

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 (97/100)

Texas Ratio

6.15%

Return on Assets (ROA)

0.3815%

Return on Equity (ROE)

2.8128%

Non-Performing Loans Ratio (NPL)

1.47%

Total Assets

22,519,067

Total Amount of Shares and Deposits

19,308,166

Total Shares and Deposits < 1 Year

19,308,166

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

1,423,126

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

1,423,126

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

17,885,040

Total Interest Expense (Sum of items 6 8)

32,148

Share Certificates

Number of Accounts for Share Drafts

1,145

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,860

All other shares

228

Non Member Deposits

Money Market Shares

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)

2,492,127

Total Liabilities

19,464,464

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

IBEW SJ Cascade 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 IBEW SJ Cascade Federal Credit Union

How many branches does IBEW SJ Cascade Federal Credit Union operate?

IBEW SJ Cascade 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 IBEW SJ Cascade Federal Credit Union?

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

Does IBEW SJ Cascade Federal Credit Union offer online and mobile banking?

Most modern institutions like IBEW SJ Cascade 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://ibewsjcu.org.