IC Federal Credit Union

Overview / Commentary
300 Bemis Rd
Fitchburg, MA 01420

IC Federal Credit Union is headquartered in Fitchburg and is the 28th largest credit union in the state of Massachusetts. It is also the 610th largest credit union in the nation. It was established in 1934 and as of March of 2021, it had grown to 101 employees and 33,729 members at 8 locations. IC Federal Credit Union has 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.
See current membership details


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Health Grade Components

NCUA #24250
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD-0.01%
Return on Equity - YTD-0.08%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$583.5MM$501.7MM
LoansQ1 2021vs Q1 2020$347.6MM$344.7MM
DepositsQ1 2021vs Q1 2020$514.3MM$404.7MM
Equity CapitalQ1 2021vs Q1 2020$62.4MM$64.9MM
Loan Loss AllowanceQ1 2021vs Q1 2020$3.3MM$3.3MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$2.4MM$2.8MM
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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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

0.25%$50-Intelligent Business Savings
0.10%$25-Just 4 Teens Savings
0.10%$5-Just 4 Kids Savings
0.05%$50-Statement Savings
0.05%$50-Passbook Savings
0.05%$50-Christmas Club Savings
0.05%$50-IRA Savings
0.05%$50-Reward Saving
0.05%--Veterans Suite Savings

IC Federal Credit Union Money Market Rates

0.50%*$50*-Intelligent Business Money Market
OTHER TIERS: 0.05% Up to $50
0.10%*$25k*-Money Market
OTHER TIERS: 0.05% $50 - $25k

IC Federal Credit Union Checking Account Rates

0.50%*-$15kReward Checking
OTHER TIERS: 0.25% $15k+
0.50%-$15kVeteran Checking
0.05%$50-Intelligent Business CheckingPlus

IC Federal Credit Union CD Rates

0.60%$500-5 Year Term Share Certificate
0.50%$500-4 Year Term Share Certificate
0.40%$500-3 Year Term Share Certificate
0.30%$500-2 Year Term Share Certificate
0.30%$500-1 Year Intelligent Business Relationship CD (New Money Only)
0.25%$500-18 Month Term Share Certificate
0.20%$500-1 Year Term Share Certificate
0.15%$500-6 Month Term Share Certificate
0.10%$500-90 Day Term Share Certificate

IC Federal Credit Union Locations
Branch Office67 Whalon StFitchburg, MA 01420
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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