What are the current interest rates at IBEW 26 Federal Credit Union?

Current rates for IBEW 26 Federal Credit Union include: 12-Month CD: 0.01%, Savings: 0.05%

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IBEW 26 Federal Credit Union

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IBEW 26 Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join IBEW 26 Federal Credit Union?

Yes, to access services at IBEW 26 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, IBEW 26 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

IBEW 26 Federal Credit Union's 12-Month CD rates are at 3.04%, 12-Month IRA CD rates are at 0.01%, 6-Month IRA CD rates are at 0.01%, 6-Month CD rates are at 0.01%. IBEW 26 Federal Credit Union's savings rates are at 0.05%. IBEW 26 Federal Credit Union's Personal Loan Rates are at 8.45%. MonitorBankRates evaluates the financial stability of IBEW 26 Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.13%. Rates last updated and verified on 09/04/2026.

IBEW 26 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 26 Federal Credit Union? Share your experience about IBEW 26 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use IBEW 26 Federal Credit Union.

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

9.13%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

IBEW 26 Federal Credit Union
Corporate Office

4371 Parliament Pl Ste C
Lanham, MD 20706

https://www.ibew26fcu.com

IBEW 26 Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Share Certificate	3.00%	3.04%	12-months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%
12-Month IRA Certificate	0.01%	0.01%	12-months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%
6-Month IRA Certificate	0.01%	0.01%	6-months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%
6-Month Share Certificate	0.01%	0.01%	6-months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%

IBEW 26 Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.05%	0.05%
Min Deposit $300 Min Balance $300 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%
Money Market Savings	0.05%	0.05%
Min Deposit $300 Min Balance $300 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%
Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $300 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%

IBEW 26 Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings	0.05%	0.05%
Min Deposit $300 Min Balance $300 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%

IBEW 26 Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Credit Card	-	9.50%
Details Rates start as low as; APR is variable and based on an individual's creditworthiness and is reviewed annually. No annual fee. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%

IBEW 26 Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.45%
Details Rates start as low as; For personal, line of credit and credit cards the rate is determined by your credit score. We may be able to offer certain member discounts depending on your relationship with the credit union. Your APR will never fall below our current floor rate of 3.5% and will never be greater than 18%. No annual fee. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.13%

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 26 Federal Credit Union’s Texas Ratio rose from 6.43% in Q2 2023 to 9.13% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 5.0 and its Health Grade from A- to A. 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	$30M	9.13%	5.0	A
December 31, 2025	$29M	10.42%	5.0	A
September 30, 2025	$29M	5.55%	5.0	A+
June 30, 2025	$29M	4.97%	5.0	A+
March 31, 2025	$29M	5.46%	5.0	A+
December 31, 2024	$28M	6.15%	5.0	A
September 30, 2024	$28M	7.44%	5.0	A
June 30, 2024	$29M	8.62%	4.8	A
March 31, 2024	$29M	7.15%	4.6	A-
December 31, 2023	$30M	8.11%	4.6	A-
September 30, 2023	$30M	6.80%	4.5	A-
June 30, 2023	$31M	6.43%	4.3	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 26 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 26 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 26 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IBEW 26 Federal Credit Union

Website https://www.ibew26fcu.com

Address 4371 Parliament Pl Ste C, Lanham, MD 20706

Phone 301-306-0610

Fax 301-306-0746

President Lambert Marlow

CEO Joshua Urbick

Full-Time Employees 6

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

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

9.13%

Return on Assets (ROA)

0.0999%

Return on Equity (ROE)

1.3603%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

30,206,156

Total Amount of Shares and Deposits

27,399,693

Total Shares and Deposits < 1 Year

27,399,694

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

480,625

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

480,625

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

26,919,068

Total Interest Expense (Sum of items 6 8)

13,134

Share Certificates

Number of Accounts for Share Drafts

704

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,956

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)

3,707,975

Total Liabilities

27,987,580

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

IBEW 26 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About IBEW 26 Federal Credit Union

How many branches does IBEW 26 Federal Credit Union operate?

IBEW 26 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 26 Federal Credit Union?

Yes, to access services at IBEW 26 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 26 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 26 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does IBEW 26 Federal Credit Union offer online and mobile banking?

Most modern institutions like IBEW 26 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.ibew26fcu.com.