What are the current interest rates at INSTEP?

Current rates for INSTEP include: 12-Month CD: 2.38%, 24-Month CD: 2.63%, Savings: 4.09%

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INSTEP Rates & Review October 2026

Q: How many branches does INSTEP operate?

INSTEP currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join INSTEP?

Yes, to access services at INSTEP, 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: Is there a first-time homebuyer program?

Currently, INSTEP 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, INSTEP 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: October 1, 2026

INSTEP's top rates as of October 1, 2026 are 3.67% APY on its 2 Year Super Jumbo CD, 4.09% APY on savings, personal loans from 7.25% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other INSTEP CD rates include 3 Year Super Jumbo CD at 3.67%, 2 Year Jumbo CD at 3.41%, and 3 Year Jumbo CD at 3.41%. MonitorBankRates evaluates the financial stability of INSTEP with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.22%. Rates last updated and verified on 10/01/2026.

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

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

10.22%

Excellent Higher than avg

Health Trend

Worsening 11 quarters

Full history ›

INSTEP
INSTEP CU

400 Russell Ave Bldg 509
New Orleans, LA 70143-5077

http://www.instepmembers.com

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

INSTEP CD Rates

Product	Rate	APY	Term
2 Year Super Jumbo Share Certificate	3.60%	3.67%	2 Years
Rate History No change since Sep 30, 2026 · 3.67% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Super Jumbo Share Certificate	3.60%	3.67%	3 Years
Rate History No change since Sep 30, 2026 · 3.67% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year Jumbo Share Certificate	3.35%	3.41%	2 Years
Rate History No change since Sep 30, 2026 · 3.41% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Jumbo Share Certificate	3.35%	3.41%	3 Years
Rate History No change since Sep 30, 2026 · 3.41% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Super Jumbo Share Certificate	3.35%	3.40%	1 Year
Rate History No change since Sep 30, 2026 · 3.40% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
9 Month Super Jumbo Share Certificate	3.35%	3.40%	9 Months
Rate History No change since Sep 30, 2026 · 3.40% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Jumbo Share Certificate	3.10%	3.15%	1 Year
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year Mini-Jumbo Share Certificate	3.10%	3.15%	2 Years
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Month Super Jumbo Share Certificate	3.10%	3.15%	3 Months
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Mini-Jumbo Share Certificate	3.10%	3.15%	3 Years
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month Super Jumbo Share Certificate	3.10%	3.15%	6 Months
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
9 Month Jumbo Share Certificate	3.10%	3.15%	9 Months
Rate History No change since Sep 30, 2026 · 3.15% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Mini-Jumbo Share Certificate	2.85%	2.89%	1 Year
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year Share Certificate	2.85%	2.89%	2 Years
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Month Jumbo Share Certificate	2.85%	2.89%	3 Months
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Share Certificate	2.85%	2.89%	3 Years
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month Jumbo Share Certificate	2.85%	2.89%	6 Months
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
9 Month Mini-Jumbo Share Certificate	2.85%	2.89%	9 Months
Rate History No change since Sep 30, 2026 · 2.89% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Share Certificate	2.60%	2.63%	1 Year
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Month Mini-Jumbo Share Certificate	2.60%	2.63%	3 Months
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month Mini-Jumbo Share Certificate	2.60%	2.63%	6 Months
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
9 Month Share Certificate	2.60%	2.63%	9 Months
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
IRA Certificates - 24 month	2.60%	2.63%	24 months
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
IRA Certificates - 36 month	2.60%	2.63%	36 months
Rate History No change since Sep 30, 2026 · 2.63% APY · checked 2 times Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Month Share Certificate	2.35%	2.38%	3 Months
Rate History No change since Sep 30, 2026 · 2.38% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month Share Certificate	2.35%	2.38%	6 Months
Rate History No change since Sep 30, 2026 · 2.38% APY · checked 2 times Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
IRA Certificates - 12 month	2.35%	2.38%	12 months
Rate History No change since Sep 30, 2026 · 2.38% APY · checked 2 times Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
IRA Certificates - 6 month	2.35%	2.38%	6 months
Rate History No change since Sep 30, 2026 · 2.38% APY · checked 2 times Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Savings Rates

Product	Rate	APY
Kids & Teen Savings	4.00%	4.09%
Rate History No change since Sep 30, 2026 · 4.09% APY · checked 2 times Min Balance $0 Details Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Christmas Club	3.00%	3.05%
Rate History No change since Sep 30, 2026 · 3.05% APY · checked 2 times Min Balance $0 Details Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Summer Club	3.00%	3.05%
Rate History No change since Sep 30, 2026 · 3.05% APY · checked 2 times Min Balance $0 Details Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Checking Rates

Product	Rate	APY
Patriotic Checking	1.00%	1.01%
Rate History No change since Sep 30, 2026 · 1.01% APY · checked 2 times Min Deposit $5 Min Balance $50 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Patriotic Checking	-	1.01%
Rate History No change since Sep 30, 2026 · 1.01% APY · checked 2 times Min Balance $5 Details Exclusive benefits for members age 55+; Unlimited check writing with one free box of checks annually; Free paper statements; Get paid one day early* Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
United Checking	1.00%	1.01%
Rate History No change since Sep 30, 2026 · 1.01% APY · checked 2 times Min Deposit $250 Min Balance $250 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
United Checking	-	1.01%
Rate History No change since Sep 30, 2026 · 1.01% APY · checked 2 times Min Balance $5 Details Earn more with your everyday checking.; 1.01% APY on balances up to $149,999.99; No monthly fees or minimums; Get paid one day early* Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Lines of Credit (HELOC)	-	-	7.00%	15 years
Rate History No change since Sep 30, 2026 · 7.00% APR · checked 2 times Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto	-	-	3.25%	Up to 72 Months
Rate History No change since Sep 30, 2026 · 3.25% APR · checked 2 times Details Rates shown are the lowest available from Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms avaiable up to 72 months; other rates and terms are also available. Rates are current as of the date published, are subject to change without notice, and are based on credit worthiness. Not all applicants will qualify, and your rate may differ. Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25& APR discount for a 48-month loan term. Terms and conditions apply. Example payment: A $20,000 auto loan finaced for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accruse during the no-payment period. See the credit union for complete details. Federally insured by NCUA. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	3.25%	49-96 months
Rate History No change since Sep 30, 2026 · 3.25% APR · checked 2 times Details Member loyalty discount of 1.00% APR; Quoted rate of 3.25% APR for 48 months has payments per $1,000 equal to $22.25/month. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Recreational Vehicles Loan	-	3.25%	Up to 96 Months
Rate History No change since Sep 30, 2026 · 3.25% APR · checked 2 times Details Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
RV & ATV Loan	-	3.25%	49-96 months
Rate History No change since Sep 30, 2026 · 3.25% APR · checked 2 times Details Member loyalty discount of 1.00% APR; Quoted rate of 3.25% APR for 48 months has payments per $1,000 equal to $22.25/month. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.90%
Rate History No change since Sep 30, 2026 · 8.90% APR · checked 2 times Details As Low As; See our Visa Disclosure for rates and additional information. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Secured Visa	-	10.90%
Rate History No change since Sep 30, 2026 · 10.90% APR · checked 2 times Details See our Visa Disclosure for rates and additional information. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Visa Classic	-	10.90%
Rate History No change since Sep 30, 2026 · 10.90% APR · checked 2 times Details See our Visa Disclosure for rates and additional information. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	7.25%	Up to 84 Months
Rate History No change since Sep 30, 2026 · 7.25% APR · checked 2 times Details As Low As; APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee for personal loans and $100 application fee for generator and pool loans) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Personal/Signature Loan	7.25%	Up to 84 Months
Rate History No change since Sep 30, 2026 · 7.25% APR · checked 2 times Details As Low As; APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee for personal loans and $100 application fee for generator and pool loans) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

INSTEP Other Rates

Product	Rate	Points	APY/APR	Term
10-Year U.S. Inflation: Average	4.70%	-	4.70%
Rate History No change since Sep 30, 2026 · 4.70% APR · checked 2 times Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
10-Year U.S. Inflation: Average	8.00%	-	8.00%
Rate History No change since Sep 30, 2026 · 8.00% APR · checked 2 times Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
10-Year U.S. Inflation: Average	4.10%	-	4.10%
Rate History No change since Sep 30, 2026 · 4.10% APR · checked 2 times Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Life Style Loan	-	-	7.25%	Up to 12 Months
Rate History No change since Sep 30, 2026 · 7.25% APR · checked 2 times Details As Low As; APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee for personal loans and $100 application fee for generator and pool loans) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Lifestyle Loans	-	-	7.25%
Rate History No change since Sep 30, 2026 · 7.25% APR · checked 2 times Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Tuition Loan	-	-	6.50%	12 Months
Rate History No change since Sep 30, 2026 · 6.50% APR · checked 2 times Details As Low As; APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee for personal loans and $100 application fee for generator and pool loans) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Regular Share	0.40%	-	0.40%
Rate History No change since Sep 30, 2026 · 0.40% APY · checked 2 times Min Deposit $5 Min Balance $50 Details Effective Date: 10/1/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

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

INSTEP’s Texas Ratio rose from 7.11% in Q4 2023 to 10.22% in Q2 2026, so its financial health has weakened over the past 11 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
June 30, 2026	$53M	10.22%	5.0	A
March 31, 2026	$54M	10.46%	5.0	A
December 31, 2025	$53M	12.15%	5.0	A
September 30, 2025	$51M	12.26%	5.0	A
June 30, 2025	$51M	11.20%	5.0	A
March 31, 2025	$51M	9.76%	5.0	A
December 31, 2024	$50M	7.39%	5.0	A
September 30, 2024	$51M	9.13%	5.0	A
June 30, 2024	$49M	7.87%	5.0	A
March 31, 2024	$48M	7.14%	5.0	A
December 31, 2023	$47M	7.11%	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 INSTEP 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 INSTEP 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 INSTEP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name INSTEP

Website http://www.instepmembers.com

Address 400 Russell Ave Bldg 509, New Orleans, LA 70143-5077

Phone 504-394-5574

Fax 504-678-3901

President Emanuel Stevenson

CEO Helen Delin

Full-Time Employees 20

Part-Time Employees 2

Branch Locations 2

ATM Locations 3

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

10.22%

Return on Assets (ROA)

-0.6755%

Return on Equity (ROE)

-5.0561%

Non-Performing Loans Ratio (NPL)

2.05%

Total Assets

52,939,606

Total Amount of Shares and Deposits

45,504,229

Total Shares and Deposits < 1 Year

45,010,620

Total Shares and Deposits 1 3 Years

477,070

Total Shares and Deposits > 3 Years

16,539

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

1,801,562

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

2,051,562

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

43,452,667

Total Interest Expense (Sum of items 6 8)

232,107

Share Certificates

107

Number of Accounts for Share Drafts

3,907

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,602

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-357,630

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)

1,389,749

Total Liabilities

45,866,302

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

INSTEP earned the Verified Healthy badge

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Frequently Asked Questions About INSTEP

How many branches does INSTEP operate?

INSTEP 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 INSTEP?

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

Does INSTEP offer online and mobile banking?

Most modern institutions like INSTEP 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: http://www.instepmembers.com.

Current INSTEP Rates

12-Month CD2.38%
24-Month CD2.63%
Savings4.09%

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

Compare to Other Credit Unions

INSTEP Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

INSTEP Texas Ratio

INSTEP Health Trend

INSTEP CD Rates

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INSTEP Home Equity & HELOC

INSTEP Auto Loan Rates

INSTEP RV, Boat and Powersport Loan Rates

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INSTEP Personal Loan Rates

INSTEP Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

INSTEP earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About INSTEP

How many branches does INSTEP operate?

Is a member application needed to join INSTEP?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does INSTEP offer online and mobile banking?

Current INSTEP Rates

Compare to Other Credit Unions