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

Current rates for IC Federal Credit Union include: 12-Month CD: 0.20%, 18-Month CD: 0.25%, 24-Month CD: 0.30%, 60-Month CD: 0.60%, Savings: 3.04%, MMA: 0.10%

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IC Federal Credit Union

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IC Federal Credit Union Rates & Review October 2026

Q: How many branches does IC Federal Credit Union operate?

IC 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.

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

Yes, to access services at IC 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, IC 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: October 13, 2026

IC Federal Credit Union's top rates as of October 13, 2026 are 4.30% APY on its CD - 15-Month CD Special, 3.04% APY on savings, 0.10% APY on money market accounts, 0.50% APY on checking, personal loans from 13.24% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other IC Federal Credit Union CD rates include CD - 7-Month CD Special at 4.30%, 5 years CD - Five-Year Term at 0.60%, and 4 years CD - Four-Year Term at 0.50%. MonitorBankRates evaluates the financial stability of IC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.92%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.92%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

IC Federal Credit Union
Main Office

300 Bemis Rd
Fitchburg, MA 01420

https://www.iccreditunion.org

Customer Reviews

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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.

IC Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 15-Month Share Certificate Special	4.21%	4.30%	15-Month
Min Deposit $500 Min Balance $500 Details APY footnote (**) on source; Minimum balance to open and earn dividends is $500.00; Penalty may apply for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Share Certificate - 7-Month Share Certificate Special	4.30%	4.30%	7-Month
Min Deposit $500 Min Balance $500 Details APY footnote (*) on source; Minimum balance to open and earn dividends is $500.00; Penalty may apply for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
5 years Share Certificate - Five-Year Term	0.60%	0.60%	5 years
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
4 years Share Certificate - Four-Year Term	0.50%	0.50%	4 years
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
3 years Share Certificate - Three-Year Term	0.40%	0.40%	3 years
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
2 years Share Certificate - Two-Year Term	0.30%	0.30%	2 years
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Share Certificate - 18-Month Term	0.25%	0.25%	18-Month
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
1 year Share Certificate - One-Year Term	0.20%	0.20%	1 year
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Share Certificate - 6-Month Term	0.15%	0.15%	6-Month
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Share Certificate - 3-Month Term	0.10%	0.10%	3-Month
Min Deposit $500 Min Balance $500 Details Minimum balance to open and earn dividends on Share Certificates is $500.00; Penalty may apply for early withdrawal; Dividends labeled as Interest on statements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	2.99%	3.04%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $1,000,000; Available to consumers only; New money is welcome but not required Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
High-Yield Savings	2.99%	3.04%
Min Balance $1,000,000 Details Balance: $1,000,000.01 or greater Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Just 4 Kids Savings	0.10%	0.10%
Min Deposit $5 Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Christmas Club Savings	0.05%	0.05%
Min Deposit $3 Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
High-Yield Savings	0.05%	0.05%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $50.00 - $9,999.99; Available to consumers only; New money is welcome but not required Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 0.05% ▼ 2.99 pts · high 3.04% / low 0.05% Oct 13, 20260.05%▼ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
High-Yield Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
IRA Savings	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
IRA Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
IRA Savings	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Balance: $50 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
IRA Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Veterans Savings Account	-	0.05%
Min Deposit $5 Min Balance $50 Details $5 deposit required to open; $50 balance required to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Veterans Suite Savings	0.05%	0.05%
Min Deposit $5 Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 13, 20260.10%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Money Market	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Money Market	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Money Market	0.05%	0.05%
Min Deposit $50 Min Balance $50 Details Balance: $50 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Money Market	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Checking Rates

Product	Rate	APY	View More
Reward Checking	-	0.50%
Min Deposit $5 Details Qualifications Required: 12 debit card purchases; e-statements; direct deposits; one ACH transaction per statement cycle; Balance: up to and including $15,000.00; balances of $15,000.01 and over earn .25% APY; non-qualifying APY 0.05%; ATM fees refunded up to $15 per statement cycle when qualifying requirements are met; personal accounts only; includes Veteran's Visa Debit Card Last Updated 10/13/2026 Rate History 1 change since Sep 24, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 0.50% / low 0.05% Oct 13, 20260.50%▲ from 0.05% Sep 24, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business CheckingPlus	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business Auto Loans	-	-	5.74%	63 Months
Details Model Years: 2026-2022; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Business Auto Loans	-	-	5.74%	66 Months
Details Model Years: 2026-2022; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Used Auto Loans	-	-	5.74%	63 Months
Details Model Year: 2020; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Business Auto Loans	-	-	5.99%	75 Months
Details Model Years: 2026-2022; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Business Auto Loans	-	-	5.99%	84 Months
Details Model Years: 2026-2022; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Used Auto Loans	-	-	6.99%	60 Months
Details Model Year: 2019; Rates shown include .25% discount with Auto Pay from an IC Account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles - New Loan	-	6.99%	60 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Motorcycles - Used Loan	-	7.49%	48 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Boats - New Loan	-	10.24%	144 Months
Details 20% down payment required on all new or used RVs and Boats; Contact us for other terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
RVs - New Loan	-	10.24%	144 Months
Details 20% down payment required on all new or used RVs and Boats; Contact us for other terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Boats - Used Loan	-	10.99%	120 Months
Details 20% down payment required on all new or used RVs and Boats; Contact us for other terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
RVs - Used Loan	-	10.99%	120 Months
Details 20% down payment required on all new or used RVs and Boats; Contact us for other terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Veteran's Visa Card	-	11.74%
Details As Low As; Special APR offer based on credit history, income verification, and approval; no annual fee; variable APRs based on 7.00% Prime Rate as of 10/1/26; must be an IC Member to apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Sep 24, 202611.74%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Personal Loan Rates

Product	APR	Term
Other Consumer Loans - Personal Loans	13.24%	up to 36 Months
Details As Low As; Rates shown are lowest possible and are subject to credit and income verification. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Other Consumer Loans - Personal Loans	14.50%	up to 48 Months
Details As Low As; Rates shown are lowest possible and are subject to credit and income verification. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

IC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Other Consumer Loans - Freedom Loan	-	-	9.99%	up to 48 Months
Details As Low As; Rates shown are lowest possible and are subject to credit and income verification. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%
Other Consumer Loans - Single Pay	-	-	13.24%	90 Days
Details As Low As; Rates shown are lowest possible and are subject to credit and income verification. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.92%

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

IC Federal Credit Union’s Texas Ratio fell from 19.18% in Q3 2023 to 7.92% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B 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
June 30, 2026	$583M	7.92%	5.0	A
March 31, 2026	$547M	7.74%	5.0	A
December 31, 2025	$548M	10.80%	5.0	A
September 30, 2025	$530M	13.48%	5.0	A
June 30, 2025	$527M	12.56%	5.0	A
March 31, 2025	$534M	12.75%	5.0	A
December 31, 2024	$563M	15.99%	4.9	A-
September 30, 2024	$604M	21.04%	4.5	B
June 30, 2024	$609M	28.80%	3.9	C
March 31, 2024	$629M	19.79%	4.6	B
December 31, 2023	$619M	23.83%	4.3	B-
September 30, 2023	$630M	19.18%	4.7	B

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 IC 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 IC 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 IC Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name IC Federal Credit Union

Website https://www.iccreditunion.org

Address 300 Bemis Rd, Fitchburg, MA 01420

Phone 978-343-3725

Fax 978-348-1457

President Ernest Houle

CEO Christopher Hendry

Full-Time Employees 100

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.92%

Return on Assets (ROA)

-0.1334%

Return on Equity (ROE)

-1.6205%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

582,962,652

Total Amount of Shares and Deposits

505,431,945

Total Shares and Deposits < 1 Year

503,618,095

Total Shares and Deposits 1 3 Years

1,618,009

Total Shares and Deposits > 3 Years

195,841

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

31,526,704

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

31,526,704

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

473,905,241

Total Interest Expense (Sum of items 6 8)

2,818,308

Share Certificates

2,205

Number of Accounts for Share Drafts

20,460

IRA KEOGH Accounts

630

Number of Accounts for Regular Shares

80,004

Money Market Shares

608

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)

43,783,083

Total Liabilities

551,595,988

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

IC Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About IC Federal Credit Union

How many branches does IC Federal Credit Union operate?

IC 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 IC Federal Credit Union?

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

Does IC Federal Credit Union offer online and mobile banking?

Most modern institutions like IC 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.iccreditunion.org.

Current IC Federal Credit Union Rates

12-Month CD0.20%
18-Month CD0.25%
24-Month CD0.30%
60-Month CD0.60%
Savings3.04%
MMA0.10%

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

Compare to Other Credit Unions

IC Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

IC Federal Credit Union Texas Ratio

IC Federal Credit Union Health Trend

IC Federal Credit Union CD Rates

IC Federal Credit Union Savings Rates

IC Federal Credit Union Business Savings Rates

IC Federal Credit Union Money Market Rates

IC Federal Credit Union Business Money Market Rates

IC Federal Credit Union Checking Rates

IC Federal Credit Union Business Checking Rates

IC Federal Credit Union Auto Loan Rates

IC Federal Credit Union RV, Boat and Powersport Loan Rates

IC Federal Credit Union Credit Card Rates

IC Federal Credit Union Personal Loan Rates

IC Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

IC Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About IC Federal Credit Union

How many branches does IC Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does IC Federal Credit Union offer online and mobile banking?

Current IC Federal Credit Union Rates

Compare to Other Credit Unions