IC Federal Credit Union


Overview / Commentary
978-343-3725
300 Bemis Rd
Fitchburg, MA 01420

IC Federal Credit Union is headquartered in Fitchburg and is the 26th largest credit union in the state of Massachusetts. It is also the 579th largest credit union in the nation. It was established in 1934 and as of March of 2019, it had grown to 92 employees and 34,399 members at 9 locations. IC Federal Credit Union's CD rates are 17% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in IC Federal Credit Union is open to those who live, work, worship, attend school, participate in an association with a headquarters, and organizations in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts. Membership is also open to family members and organizations of existing members.
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Health
A+

Health Grade Components

Overall
NCUA #24250
Year Chartered1934
Employees92
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD3.58%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$501.2MM$505.1MM
LoansQ1 2019vs Q1 2018$370.0MM$391.1MM
DepositsQ1 2019vs Q1 2018$395.6MM$388.8MM
Equity CapitalQ1 2019vs Q1 2018$60.6MM$57.6MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.3MM$3.3MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.3MM$1.3MM
Real Estate OwnedQ1 2019vs Q1 2018$0$229.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not IC Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

IC Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Intelligent Business Savings
1.00%--Neighborhood Savings
1.00%--Faith-Based Savings
0.50%$50-IRA Savings
0.20%$50-Intelligent Savings
0.10%$50-Statement Savings
0.10%$50-Passbook Savings
0.10%$25-Just 4 Teens Savings
0.10%$50-Christmas Club Savings
0.10%$5-Just 4 Kids Savings

IC Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$50-Intelligent Business Money Market
0.30%*$50k*-Money Market
OTHER TIERS: 0.20% $50 - $25k | 0.25% $25k - $50k

IC Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.59%*-$15kIntelligent Checking
OTHER TIERS: 0.25% $15k+
2.59%*-$15kVeteran Checking
OTHER TIERS: 0.25% $15k+
1.00%$50-Intelligent Business CheckingPlus
1.00%--Neighborhood Checking
1.00%$50-Faith-Based Checking

IC Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-1 Year Intelligent Business Relationship CD (New Money Only)
1.50%*$250k*-1 Year Neighborhood Liquid CD
OTHER TIERS: 1.25% $100k - $250k
1.50%$500-1 Year Faith-Based CD
1.46%$500-5 Year Term Share Certificate
1.40%$500-9 Month Faith-Based CD
1.36%$500-4 Year Term Share Certificate
1.25%$500-6 Month Faith-Based CD
1.11%$500-3 Year Term Share Certificate
1.10%$500-3 Month Faith-Based CD
1.05%$500-1 Year Term Share Certificate
0.90%$500-2 Year Term Share Certificate
0.60%$500-18 Month Term Share Certificate
0.51%$500-6 Month Term Share Certificate
0.25%$500-90 Day Term Share Certificate
Locations


IC Federal Credit Union Locations
Branch Office67 Whalon StFitchburg, MA 01420
Branch Office59 Whalon StFitchburg, MA 01420-7137
Branch Office400 Mechanic StLeominster, MA 01453
Branch Office71 Main StWestminster, MA 01473
Branch Office520 Electric AveFitchburg, MA 01420
Branch Office300 Bemis RdFitchburg, MA 01420
Branch Office72 Park StAyer, MA 01432
Branch Office947 W Boylston StWorcester, MA 01606-1275
Branch Office160 Apex Dr Ste AMarlborough, MA 01752

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