What are the current interest rates at Interra Credit Union?

Current rates for Interra Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.75%, 24-Month CD: 1.80%, 60-Month CD: 2.00%, Savings: 0.10%, MMA: 4.03%

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Interra Credit Union Rates & Review October 2026

Q: How many branches does Interra Credit Union operate?

Interra 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 Interra Credit Union?

Yes, to access services at Interra 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: Is there a first-time homebuyer program?

Currently, Interra 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Interra 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 10, 2026

Interra Credit Union's top rates as of October 10, 2026 are 4.35% APY on its HSA 13 month CD Special, 0.10% APY on savings, 4.03% APY on money market accounts, 1.00% APY on checking, personal loans from 12.49% APR, and credit cards from 11.00% APR, according to rates verified by MonitorBankRates. Other Interra Credit Union CD rates include HSA 5 month CD Special at 4.12%, IRA , HSA, CDs - 60 month at 2.00%, and IRA , HSA, CDs - 48 month at 1.90%. MonitorBankRates evaluates the financial stability of Interra Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.39%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Interra Credit Union
Interra Main Office

300 W Lincoln Ave
Goshen, IN 46526

https://www.interracu.com

Privately insuredNot NCUA

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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.

Interra Credit Union CD Rates

Product	Rate	APY	Term
HSA 13 month Share Certificate Special	-	4.35%	13 month
Min Deposit $500 Min Balance $500 Details IRA, HSA, Share Certificates Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87% Oct 10, 20264.35%▲ from 3.87%* Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
HSA 5 month Share Certificate Special	-	4.12%	5 month
Min Deposit $500 Min Balance $500 Details IRA*, HSA, Share Certificates Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 60 month	-	2.00%	60 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 48 month	-	1.90%	48 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 36 month	-	1.85%	36 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 24 month	-	1.80%	24 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 18 month	-	1.75%	18 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 12 month	-	1.50%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 6 month	-	0.90%	6 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA , HSA, Share Certificates - 3 month	-	0.40%	3 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
HSA Savings	-	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Savings	-	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Kids Club	-	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Sign & Save Savings	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Member Share Savings	-	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Savings	-	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Money Market Rates

Product	Rate	APY
LINked Money Market Share Account	-	4.03%
Min Deposit $10,000 Min Balance $3,000,000 Details Balance: $3,000,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
LINked Money Market Share Account	-	4.03%
Min Deposit $10,000 Min Balance $10,000 Details Qualifications Required: Daily balance of at least $10,000; Interra Credit Union checking account in good standing; enrolled in Online Banking; enrolled in e-Statements; To earn this APY, the primary member must maintain a daily balance of at least $10,000, have an Interra Credit Union checking account in good standing, and be enrolled in Online Banking and e-Statements. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 4.03% ▲ 0.93 pts · high 4.03% / low 3.10% Sep 27, 20264.03%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
LINked Money Market Share Account	-	3.80%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$2,999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
LINked Money Market Share Account	-	3.52%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00-$999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.52% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
LINked Money Market Share Account	-	3.26%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
LINked Money Market Share Account	-	3.10%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00-$249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	3.00%
Min Deposit $1,000 Min Balance $3,000,000 Details Balance: $3,000,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	1.25%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$2,999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	0.90%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	0.20%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Share Accounts	-	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Business Money Market Rates

Product	Rate	APY
Business LINked Money Market Share Account	-	4.03%
Min Deposit $10,000 Min Balance $3,000,000 Details Balance: $3,000,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	4.03%
Min Deposit $10,000 Min Balance $10,000 Details Qualifications Required: At least one checking account in good standing; enrolled in Interra Online Banking; elect to receive e-Statements; For Business LINked Money Market Share Accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account. The minimum balance required to open this account is $10,000. To receive the stated APY, the primary member must have at least one checking account and it must be in good standing, be enrolled in Interra Online Banking and elect to receive e-Statements. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 4.03% ▲ 1.35 pts · high 4.03% / low 2.68% Sep 18, 20264.03%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	3.80%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$2,999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	3.54%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00-$999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.54% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	3.31%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	3.15%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	3.00%
Min Deposit $1,000 Min Balance $3,000,000 Details Balance: $3,000,000.00+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Business LINked Money Market Share Account	-	2.68%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000-$99,999.99 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.68% → 2.68% ▼ 0.00 pts · high 4.03% / low 2.68% Oct 10, 20262.68%▼ from 4.03% Sep 18, 20264.03%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	2.50%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$2,999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	1.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	0.90%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	0.20%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
(BMMSA) Business Money Market Share Accounts	-	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Checking Rates

Product	Rate	APY
Flex Checking Bonus Rate 1	-	1.00%
Min Deposit $25 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Flex Checking Bonus Rate 2	-	0.50%
Min Deposit $25 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
HSA Checking	-	0.25%
Min Deposit $25 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Flex Checking Second Tiered Rate	-	0.15%
Min Deposit $25 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Flex Checking Base Rate	-	0.01%
Min Deposit $25 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Variable Rate HELOC (10 Year Draw Period Followed By Repayment Period)	-	-	7.00%
Details As Low As; Variable Rate HELOC Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New auto loan	-	-	6.04%	66-months
Details A new auto loan of $25,000.00 for 66-months at 6.04% APR will have a monthly payment of $446.13 With a $150.00 loan processing fee, the APR increases to 6.27% and a monthly payment of $448.80. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats & RVs-Campers & Motorhomes & Trailers Loan	-	6.49%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Motorcycles/ATVs/Jet Skis/Snowmobiles Loan	-	6.49%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Standard	-	11.00%
Details Intro rate expires: 12 months; Regular APR: 11.00%, 12.00%, 14.00%, 16.00%, or 21.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.; APR range: 11.00%, 12.00%, 14.00%, 16.00%, or 21.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 22, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Standard Credit Card	-	11.00%
Details Regular APR: 11.000% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 22, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Elite	-	14.00%
Details This APR will vary with the market based on Prime Rate.; APR range: 14.00%, 15.00%, 17.00%, 19.00% or 24.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 22, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Elite Credit Card	-	14.00%
Details Regular APR: 14.000% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 22, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Business Credit Cards (fixed rate)	-	15.90%
Details Regular APR: 15.900% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Interra Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	12.49%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Personal Line of Credit	13.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

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

Interra Credit Union’s Texas Ratio fell from 2.00% in Q3 2023 to 1.39% in Q2 2026, so its financial health has stayed 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	$2.1B	1.39%	5.0	A+
March 31, 2026	$2.0B	1.45%	5.0	A+
December 31, 2025	$2.0B	1.77%	5.0	A+
September 30, 2025	$2.0B	1.62%	5.0	A+
June 30, 2025	$2.0B	1.98%	5.0	A+
March 31, 2025	$2.0B	1.17%	5.0	A+
December 31, 2024	$1.9B	2.53%	5.0	A+
September 30, 2024	$1.9B	1.82%	5.0	A+
June 30, 2024	$1.9B	1.63%	5.0	A+
March 31, 2024	$1.9B	1.57%	5.0	A+
December 31, 2023	$1.8B	2.59%	5.0	A+
September 30, 2023	$1.7B	2.00%	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 Interra 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 Interra 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 Interra Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Interra Credit Union

Website https://www.interracu.com

Address 300 W Lincoln Ave, Goshen, IN 46526

Phone 574-534-2506

Fax

President Tim Yoder

CEO Amy Sink

Full-Time Employees 337

Part-Time Employees 11

Branch Locations 16

ATM Locations 15

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.39%

Return on Assets (ROA)

0.4024%

Return on Equity (ROE)

4.4067%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

2,069,302,319

Total Amount of Shares and Deposits

1,680,703,703

Total Shares and Deposits < 1 Year

1,667,446,675

Total Shares and Deposits 1 3 Years

12,744,845

Total Shares and Deposits > 3 Years

512,183

Total Interest Expense (Sum of items 6 8)

19,377,551

Share Certificates

4,614

Number of Accounts for Share Drafts

55,805

IRA KEOGH Accounts

905

Number of Accounts for Regular Shares

119,432

All other shares

11,117

Money Market Shares

8,048

Net Income (unless the amount is already included in Undivided Earnings)

8,327,325

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)

42,585,641

Total Liabilities

1,885,816,610

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Interra Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Interra Credit Union

How many branches does Interra Credit Union operate?

Interra 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 Interra Credit Union?

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

Does Interra Credit Union offer online and mobile banking?

Most modern institutions like Interra 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.interracu.com.

Current Interra Credit Union Rates

12-Month CD1.50%
18-Month CD1.75%
24-Month CD1.80%
60-Month CD2.00%
Savings0.10%
MMA4.03%

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

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Interra 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

Interra Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Interra Credit Union

How many branches does Interra Credit Union operate?

Is a member application needed to join Interra Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Interra Credit Union offer online and mobile banking?

Current Interra Credit Union Rates

Compare to Other Credit Unions