Indiana Lakes Federal Credit Union Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Indiana Lakes Federal Credit Union's 6 month CD of Deposits rates are at 3.75%, 12 month CD of Deposits rates are at 3.50%, 18 month CD of Deposits rates are at 3.50%, 24 month CD of Deposits rates are at 3.00%. MonitorBankRates evaluates the financial stability of Indiana Lakes Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates were last updated on 03/02/2026.
Indiana Lakes 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 Indiana Lakes Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Indiana Lakes Federal Credit Union Texas RatioIndiana Lakes Federal Credit Union's Texas Ratio is at 3.70%, which is considered excellent. The Texas Ratio for Indiana Lakes Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Indiana Lakes Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Indiana Lakes Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Indiana Lakes Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 98/100
Indiana Lakes Federal Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026
Indiana Lakes Federal Credit Union
322 South Detroit Street 322 S Detroit St
Warsaw, IN 46580 4401 
Indiana Lakes Federal Credit Union CD Rates
Indiana Lakes Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Indiana Lakes 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 Indiana Lakes 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 Indiana Lakes Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Indiana Lakes Federal Credit Union
Website
https://www.ilfcu.org
Street Address
322 S Detroit St
City / State / Zip
Warsaw, IN 46580 4401
Phone Number
574-267-7497
Fax Number
574-269-9509
President
Bruce Robinaugh
CEO
Jamie Bales
Full Time Employees
5
Part Time Employees
1
Branch Locations
1
ATM Locations
1
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.70%
Return on Assets (ROA)
0.5332%
Return on Equity (ROE)
4.4344%
Non-Performing Loans Ratio (NPL)
0.91%
Total Assets
26,462,054
Total Amount of Shares and Deposits
23,252,933
Total Shares and Deposits < 1 Year
22,746,466
Total Shares and Deposits 1 3 Years
506,467
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,353,878
Total Uninsured Shares and Deposits > $250K (F+J)
1,353,878
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,899,055
Total Interest Expense (Sum of items 6 8)
236,426
Share Certificates
172
Number of Accounts for Share Drafts
1,128
Number of Accounts for Regular Shares
1,787
All other shares
302
Money Market Shares
31
Net Income (unless the amount is already included in Undivided Earnings)
141,089
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,595,448
Total Liabilities
23,308,285
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Indiana Lakes Federal Credit UnionIs Indiana Lakes Federal Credit Union a safe place to deposit money?Yes, Indiana Lakes Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.70%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Indiana Lakes Federal Credit Union operate?Indiana Lakes 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 Indiana Lakes Federal Credit Union?Yes, to access services at Indiana Lakes 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. Current Indiana Lakes Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Is there a first-time homebuyer program?Currently, Indiana Lakes 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, Indiana Lakes Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Indiana Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Indiana Lakes 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.ilfcu.org. Compare to Other Credit Unions
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