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Interior Federal Credit Union


Overview / Commentary
www.interiorfcu.org
800-914-8619
1849 C St Nw Rm B038
Washington, DC 20240

From the Bank

Field of Membership Restrictions

Interior Federal Credit Union is open to anyone through joining the New Mexico Wildlife Federation. Membership is also open to the following: 1) employees and retirees of National Fish and Wildlife Foundation in Washington D.C. National Headquarters of the Selective Service System who work in the states of Virginia or Maryland, and over 40 Select Employer Groups; 2) members of several partner groups and volunteers of the National Parks Service and other groups.
See current membership details

Related Posts

Interior Federal Credit Union Offers Top Long-Term CD Rates - 12/29/2022

Interior Federal Credit Union (easy membership) recently increased the rates on its long-term Jumbo Share Certificates. Minimum opening deposit is $100k.

TERMS Change At Interior Federal CU (Even For EXISTING Cds) - 7/18/2022

Rather than a "Rate Change" this is a MAJOR "Terms Change" -- very important since it concerns one of the promotions going on now (a 56mo "Bump Up" CD @ 3.31%) as well as past Bump-Up Promotions at Interior. A friend of mine banks with Interior Federal Credit Union (he turned me on to DA in the first place actually) and found out some disappointing news this morning so I thought I'd pass it along since I have an account here. In a nutshell: Interior FCU can (and will -- in August apparently) CHANGE the Early Withdrawal Penalty for their "Bump Up" CDs, and only the CURRENT EWP policy (at the point in time you want to take your funds out early) will be honored, NOT the EWP that was in place at the time the CD was opened -- at least for the "Bump Up" CDs (since these are the only ones about to be affected, it's unknown if in the future they can change non-Bump-Up CDs as well). DETAILS: When you apply for the CD (before the CD is created) you download the current "MEMBERSHIP AGREEMENT",

Interior Federal Credit Union CD Rates Surge Upward - 7/15/2022

Interior Federal Credit Union (easy membership) has significantly raised the rates on its long-term Jumbo Share Certificates. Minimum opening deposit is $100k.

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Reviews (5)

A Hidden Gem For CD's

Posted by: |

Pros:

- CD rates are very competitive, sometimes beating online banks.
- 6-month CD charges a very modest early withdrawal penalty, just 30 days of interest
- Helpful and friendly customer service
- Never had an issue with mailed checks getting lost (unlike another review)
- Very good online banking system for a small credit union
- Shared branching access

Cons:

- A bit difficult to get a membership open if you have a number of Chexsystems inquiries from rate/bonus-chasing.
- Opening a membership is a hard pull on Equifax, but the hard pull can be re-used for loans within 30 days
- There's a fee for originating an outgoing ACH transfer, but you can avoid it if you pull funds using the external institution

4

Most Cus Won't Do This...

Posted by: |

Regardless of FICO (820+), CU will do a hard pull. Need to consider this when applying.

1

Forget About It

Posted by: |

Wanted to buy a large-value Roth IRA CD when they had a good rate for about a 2-week period of time.
Applied for online membership, uploaded my ID, they did a credit check (my FICO is 820) and took a $25 fee, No further action for 3 weeks. No issues or concerns raised. Nothing. Meanwhile their CD rates fell by 0.5% and are no longer competitive. Seriously? Why pretend to have a banking business when you make zero effort while making your customers jump through hoops for the privilege of letting you hold their money? Stay far away, these guys are losers.

2

Lost Bank Check - Incompetent!

Posted by: |

They lost a Bank check for substantial amount of money I sent to open a CD and for three days they were not returning calls. They said the guy that opened my account is on vacation so they are not sure if he had it. A woman said they have quite a few missing checks.

This is a nightmare.

11

Really Bad Experience

Posted by: |

Another clueless credit union where they provide prospective customers with the wrong information and treating them as idiots.

9


Health
B+

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #319
Year Chartered1935
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD9.3%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$287.2MM$249.0MM
LoansQ3 2022vs Q3 2021$240.4MM$194.0MM
DepositsQ3 2022vs Q3 2021$255.9MM$215.8MM
Equity CapitalQ3 2022vs Q3 2021$18.2MM$21.2MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.0MM$1.2MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$607.00K$405.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$156.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Interior 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.

Interior Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Savings
0.20%*$1.5k*-Primary Savings Account
OTHER TIERS: 0.15% → $25 - $1.5k
0.20%--Holiday Club Savings
0.20%--Vacation Club Savings
0.20%*$25k*-Health Savings Account
OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $15k | 0.15% → $15k - $25k
0.20%*$1.5k*-Secondary Savings Account
OTHER TIERS: 0.15% → $25 - $1.5k
0.20%*$1.5k*-Young Adult Primary Savings Account
OTHER TIERS: 0.15% → $25 - $1.5k
0.20%*$1.5k*-Little Buffalos Account
OTHER TIERS: 0.15% → $25 - $1.5k
0.20%*$1.5k*-Teen Account
OTHER TIERS: 0.15% → $25 - $1.5k

Interior Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-Money Market Accounts
OTHER TIERS: 0.51% → $1k - $5k | 0.60% → $5k - $10k | 0.65% → $10k - $25k | 0.70% → $25k - $50k | 0.75% → $50k - $75k | 0.80% → $75k - $100k

Interior Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%*-$501Young Adult Checking Account
OTHER TIERS: 0.05% → $501+
0.05%--Checking Account

Interior Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.49%$500-12 Month Share Certificate
4.49%$500-12 Month HSA Certificate
4.49%$100k-12 Month Jumbo HSA Certificate
4.49%$100k-12 Month Jumbo Share Certificate
4.39%$500-24 Month Share Certificate
4.39%$500-24 Month HSA Certificate
4.39%$50-24 Month Young Adult Accumulator Share Certificate
4.39%$100k-24 Month Jumbo HSA Certificate
4.39%$100k-24 Month Jumbo Share Certificate
4.28%$500-36 Month Share Certificate
4.28%$500-36 Month HSA Certificate
4.28%$500-20 Month Bump Up HSA Certificate
4.28%$500-20 Month Bump Up Share Certificate
4.28%$100k-20 Month Bump Up Jumbo HSA Certificate
4.28%$100k-20 Month Bump Up Jumbo Share Certificate
4.28%$100k-36 Month Jumbo HSA Certificate
4.28%$100k-36 Month Jumbo Share Certificate
4.07%$500-48 Month Share Certificate
4.07%$500-60 Month Share Certificate
4.07%$500-48 Month HSA Certificate
4.07%$500-60 Month HSA Certificate
4.07%$100k-48 Month Jumbo HSA Certificate
4.07%$100k-48 Month Jumbo Share Certificate
4.07%$100k-60 Month Jumbo HSA Certificate
4.07%$100k-60 Month Jumbo Share Certificate
3.97%$500-6 Month Share Certificate
3.97%$500-6 Month HSA Certificate
3.97%$500-56 Month Bump Up HSA Certificate
3.97%$500-56 Month Bump Up Share Certificate
3.97%$100k-6 Month Jumbo HSA Certificate
3.97%$100k-6 Month Jumbo Share Certificate
3.97%$100k-56 Month Bump Up Jumbo HSA Certificate
3.97%$100k-56 Month Bump Up Jumbo Share Certificate

Interior Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.49%$500-12 Month IRA Certificate
4.49%$100k-12 Month Jumbo IRA Certificate
4.39%$500-24 Month IRA Certificate
4.39%$100k-24 Month IRA Jumbo Certificate
4.28%$500-36 Month IRA Certificate
4.28%$500-20 Month Bump Up IRA Certificate
4.28%$100k-20 Month Bump Up Jumbo IRA Certificate
4.28%$100k-36 Month IRA Jumbo Certificate
4.07%$500-48 Month IRA Certificate
4.07%$500-60 Month IRA Certificate
4.07%$100k-48 Month IRA Jumbo Certificate
4.07%$100k-60 Month IRA Jumbo Certificate
3.97%$500-6 Month IRA Certificate
3.97%$500$100k56 Month Bump Up IRA Certificate
3.97%$100k-6 Month Jumbo IRA Certificate
3.97%$100k-56 Month Bump Up Jumbo IRA Certificate
Locations


Interior Federal Credit Union Locations
Branch Office12201 Sunrise Valley Dr MS 700Reston, VA 20192
Branch Office1849 C ST NW RM B038Washington, DC 20240

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