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Not Federally Insured
300 W Lincoln Ave
Goshen, IN 46526

Interra Credit Union is headquartered in Goshen and is the 11st largest credit union in the state of Indiana. It is also the 327th largest credit union in the nation. It was established in 1932 and as of March of 2014, it had grown to 185 employees and 53,993 members. Interra Credit Union's savings rates are 25% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Membership is open to anyone who lives or works in Elkhart County. You also qualify for membership if you work in one of the many businesses and organizations that offer Interra membership as an employee benefit; or, have an immediate family member who belongs to Interra. There are other ways to qualify too, contact Interra to learn more. - See Details

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Reviews (1)

Very Friendly And Helpful

My Fiancee and I have been a customer of thiers for over 10 years. They have always been very friendly and helpful every time we have gone there. When I bring my children with me they go out of their way to give my children suckers or ballons which makes a very positive impact on thier day. They also have a area for kids to play at while thy are there. I had noticed also there is a section that has two computers with internet access for customers along with free coffee. I have never been to a credit union or bank that has so many free features in the building offered to it's customers.

I have had  help when i was mischarged by our phone company duplicate times and the problem was fixed within a very short preiod of time and the money was reimburssed without any red tape. I had also had a mix up with a deposit which did result in getting fees charged to my account but they reversed those charges. This is the best credit union in my opinion. I would never go anywhere else and would recommend them to all I know. 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Interra Credit Union had $628,000 in non-current loans and owned real-estate with $79.96 million in equity and loan loss allowances on hand to cover it. This gives Interra Credit Union a Texas Ratio of 0.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Interra Credit Union experienced no significant changes from 0.77% as of March 31, 2013 to 0.79% as of March 31, 2014, resulting in a negative change of 1.79%. This indicates that the balance sheet and financial strength for Interra Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Interra Credit Union has increased its total deposits by $27.68 million, resulting in 4.75% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Interra Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Interra Credit Union has $691.53 million in assets with $79.96 million in equity, resulting in a capitalization level of 11.56%, which is excellent.

Institution Statistics

NCUA #82794
Year Chartered1932
Primary Regulator
Assets and Liabilities
Assets$691.53 million
Loans$395.50 million
Deposits$611.00 million
Equity Capital$77.22 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$628,000
Real Estate Owned$0
Historic Data - March 2013
Assets$665.39 million
Equity Capital$79.54 million
Loan Loss Allowance$2.63 million
Unbacked Noncurrent Loans$628,000
Real Estate Owned$27,000
Profit Margin - Quarterly
Return on Assets0.53%
Return on Equity4.74%
Interest Income$5.33 million

Always verify rates and promotions with the bank or credit union. We are not Interra Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Interra Credit Union Savings Account Rates

0.65%--HSA Checking
0.50%--Sign & Save Savings
0.50%--Christmas Club
0.50%--Kids Club
0.50%--HSA Savings
0.50%--IRA Savings
0.50%--Roth IRA Savings
0.15%--Member Share Savings
0.15%--Share Savings

Interra Credit Union Money Market Rates

0.40%$100k-Money Market Share Account

Interra Credit Union Checking Account Rates

2.00%-$10kMy Rewards Checking - Qualifying
0.10%--My Rewards Checking - Non Qualifying

Interra Credit Union CD Rates

1.75%$500-60 Month CD
1.75%$500-60 Month HSA
1.25%$500-48 Month CD
1.25%$500-48 Month HSA
1.00%$500-36 Month CD
1.00%$500-36 Month HSA
0.60%$500-24 Month CD
0.60%$500-24 Month HSA
0.50%$500-18 Month CD
0.50%$500-18 Month HSA
0.40%$500-12 Month CD
0.40%$500-12 Month HSA
0.33%$100-Smart Saver CD
0.25%$500-6 Month CD
0.25%$500-6 Month HSA
0.15%$500-3 Month CD
0.15%$500-3 Month HSA
0.10%$500-1 Month CD
0.10%$500-1 Month HSA

Interra Credit Union IRA Rates

1.75%$500-60 Month IRA
1.25%$500-48 Month IRA
1.00%$500-36 Month IRA
0.60%$500-24 Month IRA
0.50%$500-18 Month IRA
0.40%$500-12 Month IRA
0.25%$500-6 Month IRA
0.15%$500-3 Month IRA
0.10%$500-1 Month IRA

Sorry, but we do not have location data for Interra Credit Union. Its headquarters is located at 300 W Lincoln Ave - Goshen, IN 46526