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Ironworkers USA Federal Credit Union

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Ironworkers USA Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ironworkers USA 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 4, 2026

Ironworkers USA Federal Credit Union's Personal Loan Rates are at 10.49%. MonitorBankRates evaluates the financial stability of Ironworkers USA Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.64%. Rates last updated and verified on 09/04/2026.

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

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.64%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ironworkers USA Federal Credit Union
Potland Branch

11620 NE Ainsworth Cir
Portland, OR 97220

https://ironworkerscu.org/

Ironworkers USA Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Min Balance $5 Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%
Special Club	0.50%	0.50%
Min Balance $100 Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%

Ironworkers USA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.24%	36-84 months
No additional details. Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%
Used Vehicles Loan	-	-	5.24%	36-84 months
No additional details. Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%
Used Auto Loans	-	-	18.99%
No additional details. Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%
New Auto Loans	-	-	19.99%
No additional details. Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%

Ironworkers USA Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.49%	36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.64%

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

Ironworkers USA Federal Credit Union’s Texas Ratio rose from 8.34% in Q2 2023 to 19.64% 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 4.6 and its Health Grade from A to B. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under 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 threshold

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	$147M	19.64%	4.6	B
December 31, 2025	$143M	19.54%	4.6	B
September 30, 2025	$141M	23.15%	4.3	B-
June 30, 2025	$134M	18.99%	4.7	B+
March 31, 2025	$131M	18.39%	4.7	B+
December 31, 2024	$126M	14.46%	5.0	A-
September 30, 2024	$121M	11.67%	5.0	A
June 30, 2024	$120M	5.71%	5.0	A+
March 31, 2024	$116M	9.76%	5.0	A
December 31, 2023	$111M	10.88%	5.0	A
September 30, 2023	$111M	6.32%	5.0	A
June 30, 2023	$107M	8.34%	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 Ironworkers USA 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 Ironworkers USA 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 Ironworkers USA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ironworkers USA Federal Credit Union

Website https://ironworkerscu.org/

Address 11620 NE Ainsworth Cir, Portland, OR 97220

Phone 503-774-3848

Fax

President Robert Camarillo

CEO Teri Robinson

Full-Time Employees 25

Part-Time Employees 3

Branch Locations 4

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

B (86/100)

Texas Ratio

19.64%

Return on Assets (ROA)

0.2743%

Return on Equity (ROE)

2.3860%

Non-Performing Loans Ratio (NPL)

2.95%

Total Assets

147,130,962

Total Amount of Shares and Deposits

129,592,142

Total Shares and Deposits < 1 Year

95,138,356

Total Shares and Deposits 1 3 Years

34,202,453

Total Shares and Deposits > 3 Years

251,334

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

18,706,564

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

18,706,564

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

110,885,578

Total Interest Expense (Sum of items 6 8)

842,732

Share Certificates

210

Number of Accounts for Share Drafts

7,825

IRA KEOGH Accounts

304

Number of Accounts for Regular Shares

28,223

Non Member Deposits

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)

24,081,006

Total Liabilities

131,464,920

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Ironworkers USA Federal Credit Union

How many branches does Ironworkers USA Federal Credit Union operate?

Ironworkers USA 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 Ironworkers USA Federal Credit Union?

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

Does Ironworkers USA Federal Credit Union offer online and mobile banking?

Most modern institutions like Ironworkers USA 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://ironworkerscu.org/.