IH Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Overview / Commentary

www.ihcreditunion.com

937-390-1800

5000 Urbana Rd
Springfield, OH 45502-9539

IH Credit Union is headquartered in Springfield and is the 27^th largest credit union in the state of Ohio. It is also the 939^th largest credit union in the nation. It was established in 1934 and as of September of 2024, it had grown to 54 employees and 21,998 members at 5 locations. IH Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in IH Credit Union is open to residents of the states of Ohio, Illinois, Michigan or West Virginia through the American Consumer Council. Membership is also open to those who live, work, attend school or worship in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery or Union Counties in Ohio.
See current membership details

Reviews

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Health

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	97104
Year Chartered	1934
Employees	54
Primary Regulator

Profit Margin
Return on Assets - YTD	0.37%
Return on Equity - YTD	2.56%
Annual Interest Income	$12.8MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$343.2MM$364.5MM
Loans	Q3 2024vs Q3 2023	$220.9MM$239.3MM
Deposits	Q3 2024vs Q3 2023	$261.7MM$257.4MM
Equity Capital	Q3 2024vs Q3 2023	$51MM$45.2MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$2.7MM$1.3MM
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$4.1MM$4.5MM
Real Estate Owned	Q3 2024vs Q3 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Rates

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Savings
Money Market
Checking
CD
IRA

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

IH Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.28%	$100	-	IRA Savings Account
0.04%	$0	-	Regular Share Savings Account
0.04%	$0	-	Christmas Club Share Savings Account
0.04%	$0	-	Early Bird
0.04%	$0	-	Minor Savings

IH Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.79%^*	$500k^*	-	Money Market Share Savings Account
OTHER TIERS: 0.60% → $1k - $25k \| 0.95% → $25k - $50k \| 1.10% → $50k - $150k \| 1.61% → $150k - $500k

IH Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.16%^*	$150k^*	-	Step Up Checking
OTHER TIERS: 0.25% → $0 - $25k \| 0.60% → $25k - $50k \| 0.75% → $50k - $150k

IH Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$0	-	7 Month CD Special
4.15%	$0	-	11 Month CD Special
3.70%	$0	-	44 Month CD Special
3.65%	$0	-	30 Month CD
3.09%	$0	-	60 Month CD
3.04%	$0	-	48 Month CD
3.00%	$0	-	36 Month CD
2.84%	$0	-	24 Month CD
2.73%	$0	-	18 Month CD
2.73%	$0	-	12 Month CD
2.00%	$0	-	6 Month CD

IH Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.65%	$0	-	30 Month IRA Certificate
3.09%	$0	-	60 Month IRA Certificate
3.04%	$0	-	48 Month IRA Certificate
3.00%	$0	-	36 Month IRA Certificate
2.84%	$0	-	24 Month IRA Certificate
2.73%	$0	-	18 Month IRA Certificate
2.73%	$0	-	12 Month IRA Certificate

Locations

IH Credit Union Locations
Branch Office	5000 Urbana Rd	Springfield, OH 45502-9069
Branch Office	299 E Leffel ln	Springfield, OH 45505-4745
Branch Office	731 Scioto St	urbana, OH 43078
Branch Office	1427 W 1st ST	Springfield, OH 45504-1922
Branch Office	1464 N Fairfield Rd	Beavercreek, OH 45432-2638

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