What are the current interest rates at Inland Valley Federal Credit Union?

Current rates for Inland Valley Federal Credit Union include: 12-Month CD: 3.39%, 60-Month CD: 4.01%, Savings: 0.23%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Inland Valley Federal Credit Union

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Inland Valley Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Inland Valley 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 12, 2026

Inland Valley Federal Credit Union's top rates as of October 12, 2026 are 4.07% APY on its 5 YEAR CD, 0.23% APY on savings, 4.95% on its 5/5 First Mortgage, personal loans from 10.99% APR, and credit cards from 8.88% APR, according to rates verified by MonitorBankRates. Other Inland Valley Federal Credit Union CD rates include 5 YR IRA CD at 4.07%, 5 YEAR CD at 4.05%, and 5 YR IRA CD at 4.05%. MonitorBankRates evaluates the financial stability of Inland Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.72%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Inland Valley Federal Credit Union
9389 cherry ave

9389 Cherry Ave
Fontana, CA 92335

https://www.ivfcu.org/

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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.

Inland Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
5 YEAR CERTIFICATE	-	4.07%	5 years
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.07% ▲ 0.46 pts · high 4.07% / low 3.61% Oct 4, 20264.07%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YR IRA CERTIFICATE	-	4.07%	5 years
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.07% ▲ 0.46 pts · high 4.07% / low 3.61% Oct 4, 20264.07%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YEAR CERTIFICATE	-	4.05%	5 years
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.05% ▲ 0.44 pts · high 4.05% / low 3.61% Oct 4, 20264.05%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YR IRA CERTIFICATE	-	4.05%	5 years
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.05% ▲ 0.44 pts · high 4.05% / low 3.61% Oct 4, 20264.05%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YEAR CERTIFICATE	-	4.03%	5 years
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.03% ▲ 0.42 pts · high 4.03% / low 3.61% Oct 4, 20264.03%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YR IRA CERTIFICATE	-	4.03%	5 years
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.03% ▲ 0.42 pts · high 4.03% / low 3.61% Oct 4, 20264.03%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YEAR CERTIFICATE	-	4.01%	5 years
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.01% ▲ 0.40 pts · high 4.01% / low 3.61% Oct 4, 20264.01%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
5 YR IRA CERTIFICATE	-	4.01%	5 years
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.01% ▲ 0.40 pts · high 4.01% / low 3.61% Oct 4, 20264.01%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YEAR CERTIFICATE	-	3.71%	3 years
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51% Oct 4, 20263.71%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YR IRA CERTIFICATE	-	3.71%	3 years
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51% Oct 4, 20263.71%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YEAR CERTIFICATE	-	3.69%	3 years
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.69% ▲ 0.18 pts · high 3.69% / low 3.51% Oct 4, 20263.69%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YR IRA CERTIFICATE	-	3.69%	3 years
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.69% ▲ 0.18 pts · high 3.69% / low 3.51% Oct 4, 20263.69%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YEAR CERTIFICATE	-	3.67%	3 years
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.67% ▲ 0.16 pts · high 3.67% / low 3.51% Oct 4, 20263.67%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YR IRA CERTIFICATE	-	3.67%	3 years
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.67% ▲ 0.16 pts · high 3.67% / low 3.51% Oct 4, 20263.67%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YEAR CERTIFICATE	-	3.65%	3 years
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.65% ▲ 0.14 pts · high 3.65% / low 3.51% Oct 4, 20263.65%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
3 YR IRA CERTIFICATE	-	3.65%	3 years
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.65% ▲ 0.14 pts · high 3.65% / low 3.51% Oct 4, 20263.65%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
2 YR IRA CERTIFICATE	-	3.51%	2 years
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45% Oct 4, 20263.51%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
2 YR IRA CERTIFICATE	-	3.49%	2 years
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.49% ▲ 0.04 pts · high 3.49% / low 3.45% Oct 4, 20263.49%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
2 YR IRA CERTIFICATE	-	3.46%	2 years
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45% Oct 4, 20263.46%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YEAR CERTIFICATE	-	3.45%	1 year
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40% Oct 4, 20263.45%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YR IRA CERTIFICATE	-	3.45%	1 year
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40% Oct 4, 20263.45%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
2 YR IRA CERTIFICATE	-	3.44%	2 years
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.43% → 3.44% ▲ 0.01 pts · high 3.44% / low 3.43% Oct 4, 20263.44%▲ from 3.43% Sep 14, 20263.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YEAR CERTIFICATE	-	3.43%	1 year
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.43% ▲ 0.03 pts · high 3.43% / low 3.40% Oct 4, 20263.43%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YR IRA CERTIFICATE	-	3.43%	1 year
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.43% ▲ 0.03 pts · high 3.43% / low 3.40% Oct 4, 20263.43%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YEAR CERTIFICATE	-	3.41%	1 year
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.41% ▲ 0.01 pts · high 3.41% / low 3.40% Oct 4, 20263.41%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YR IRA CERTIFICATE	-	3.41%	1 year
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.41% ▲ 0.01 pts · high 3.41% / low 3.40% Oct 4, 20263.41%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YEAR CERTIFICATE	-	3.39%	1 year
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.39% ▼ 0.01 pts · high 3.40% / low 3.39% Oct 4, 20263.39%▼ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
1 YR IRA CERTIFICATE	-	3.39%	1 year
Min Deposit $500 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.39% ▼ 0.01 pts · high 3.40% / low 3.39% Oct 4, 20263.39%▼ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
6 MONTH CERTIFICATE	-	3.35%	6 months
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
6 MONTH CERTIFICATE	-	3.33%	6 months
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
6 MONTH CERTIFICATE	-	3.31%	6 months
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
6 MONTH CERTIFICATE	-	3.29%	6 months
Min Deposit $1,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
90 DAY CERTIFICATE	-	3.10%	90 days
Min Deposit $90,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
90 DAY CERTIFICATE	-	3.08%	90 days
Min Deposit $50,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
90 DAY CERTIFICATE	-	3.06%	90 days
Min Deposit $10,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
90 DAY CERTIFICATE	-	3.03%	90 days
Min Deposit $1,000 Details Effective Monday, October 12, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Savings Rates

Product	Rate	APY
CHRISTMAS CLUB	-	0.27%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
TAX CLUB	-	0.27%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
VACATION CLUB	-	0.27%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
OTHER SAVINGS ACCOUNT	-	0.23%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/5 First Mortgage	4.95%	-	4.95%
Details Purchase or Refinance; Adjustable rate, adjusts every 5 years; Maximum 80% Loan to Value, maximum in total with any other mortgages; Owner occupied; Current base rate; Rates may be adjusted higher depending on credit score and LTV limits Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.75%	-	6.75%
Details Owner occupied; Payment calculated over 20 year loan term amortization; 10 year draw period; Adjustable rate; Maximum 80% Loan to Value, maximum in total with any other mortgages; Current base rate; Rates may be adjusted higher depending on credit score and LTV limits Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	-	-	4.74%
Details As Low As; For current year models; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Used Auto Loan	-	-	5.24%
Details As Low As; For loans 5 yrs and newer; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Older Used Vehicle Loan	-	-	5.74%
Details As Low As; Vehicles more than 5 years old; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	5.44%
Details As Low As; Base rate, adjusted by risk-based lending (Vantage Score); Eligible for 0.25% patronage rebate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	8.88%
Details As Low As; Apply for a MasterCard Credit Card today!; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Credit Card 2% Cash Back	-	9.84%
Details As Low As; Apply for a MasterCard Credit Card with 2% Cash Back; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.99%
Details As Low As; $30,000 maximum - consolidate your high rate loans; Base rate, adjusted by risk-based lending (Vantage Score); Eligible for 0.25% patronage rebate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Debt Consolidation Loan	13.99%
Details As Low As; $30,000 maximum - consolidate your high rate loans; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Inland Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	6.25%
Details As Low As; Protect your checking, apply now for overdraft protection; Base rate, adjusted by risk-based lending (Vantage Score) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
CHILD SHARE ACCOUNT	-	-	5.10%
Min Deposit $5 Min Balance $5 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.23% → 5.10% ▲ 4.87 pts · high 5.10% / low 0.23% Oct 4, 20265.10%▲ from 0.23% Sep 14, 20260.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
CHILD SHARE ACCOUNT	-	-	0.23%
Min Deposit $5 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.23% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
EDUCATIONAL IRA	-	-	0.35%
Min Deposit $200 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
FLEX CERTIFICATE	-	-	1.46%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36% Oct 4, 20261.46%▲ from 1.36% Sep 14, 20261.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
REGULAR SHARES	-	-	0.23%
Min Deposit $25 Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
TRADITIONAL IRA FLEX	-	-	1.46%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36% Oct 4, 20261.46%▲ from 1.36% Sep 14, 20261.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

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

Inland Valley Federal Credit Union’s Texas Ratio fell from 4.11% in Q3 2023 to 0.72% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$54M	0.72%	5.0	A+
March 31, 2026	$54M	1.24%	5.0	A+
December 31, 2025	$53M	0.99%	5.0	A+
September 30, 2025	$52M	1.46%	5.0	A+
June 30, 2025	$53M	0.86%	5.0	A+
March 31, 2025	$53M	1.53%	5.0	A+
December 31, 2024	$54M	1.28%	5.0	A+
September 30, 2024	$54M	1.08%	5.0	A+
June 30, 2024	$54M	3.67%	5.0	A+
March 31, 2024	$55M	3.48%	5.0	A+
December 31, 2023	$53M	2.55%	5.0	A+
September 30, 2023	$53M	4.11%	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 Inland Valley 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 Inland Valley 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 Inland Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Inland Valley Federal Credit Union

Website https://www.ivfcu.org/

Address 9389 Cherry Ave, Fontana, CA 92335

Phone 909-822-1810

Fax 909-357-3005

President Chris Krueger

CEO charles papenfus

Full-Time Employees 11

Part-Time Employees 0

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+ (100/100)

Texas Ratio

0.72%

Return on Assets (ROA)

0.1166%

Return on Equity (ROE)

1.3472%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

53,986,452

Total Amount of Shares and Deposits

49,125,411

Total Shares and Deposits < 1 Year

45,984,855

Total Shares and Deposits 1 3 Years

3,123,523

Total Shares and Deposits > 3 Years

17,033

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

8,109,337

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

8,109,337

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

41,016,074

Total Interest Expense (Sum of items 6 8)

168,008

Share Certificates

194

Number of Accounts for Share Drafts

2,489

IRA KEOGH Accounts

125

Number of Accounts for Regular Shares

4,298

All other shares

235

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)

1,787,375

Total Liabilities

49,314,100

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Inland Valley Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Inland Valley Federal Credit Union

How many branches does Inland Valley Federal Credit Union operate?

Inland Valley 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 Inland Valley Federal Credit Union?

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

Does Inland Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Inland Valley 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.ivfcu.org/.

Current Inland Valley Federal Credit Union Rates

12-Month CD3.39%
60-Month CD4.01%
Savings0.23%

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

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Inland Valley Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Inland Valley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Inland Valley Federal Credit Union

How many branches does Inland Valley Federal Credit Union operate?

Is a member application needed to join Inland Valley Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Inland Valley Federal Credit Union offer online and mobile banking?

Current Inland Valley Federal Credit Union Rates

Compare to Other Credit Unions