Interior Federal Credit Union

Overview / Commentary
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

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.

Interior FCU Offers National Leading IRA Rates - 36 Month Jumbo (2.94%APY), 48 Month Jumbo (2.89%APY) - 6/23/2022

While Interior Federal Credit Union regular CD rates do not get a lot of attention, these rates in an IRA are very competitive nationally. According to their web site, "All certificate lengths are also available as Traditional or Roth IRA Certificates, Coverdell Education Savings Account Certificates, and Health Savings Account Certificates." Ken classifies Interior FCU as an Easy Membership credit union and, therefore, their products are widely available. Some examples of terms and rates (Jumbo IRA's require a $100,000 minimum) 12 Month Jumbo IRA 2.08% APY (2nd for 1 year IRA category) 20 Month Bump Up Jumbo IRA 2.38% APY (1st for 18 month IRA category) 36 Month Jumbo IRA 2.94% APY (1st for 3 year IRA category) 48 Month Jumbo IRA 2.89% APY (1st for 4 year IRA category) Details here

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Reviews (4)

A Hidden Gem For CD's

Posted by: |


- 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


- 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

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.

Lost Bank Check - Incompetent!

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.

Really Bad Experience

Posted by: |

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


Health Grade Components

NCUA #319
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD9.32%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$267.9MM$252.1MM
LoansQ2 2022vs Q2 2021$219.4MM$187.9MM
DepositsQ2 2022vs Q2 2021$236.5MM$225.4MM
Equity CapitalQ2 2022vs Q2 2021$19.0MM$21.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.0MM$1.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$502.00K$440.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$155.00K
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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

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

0.60%*$100k*-Money Market Accounts
OTHER TIERS: 0.26% $1k - $5k | 0.35% $5k - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.50% $50k - $75k | 0.55% $75k - $100k

Interior Federal Credit Union Checking Account Rates

3.01%*-$501Young Adult Checking Account
OTHER TIERS: 0.05% $501+
0.05%--Checking Account

Interior Federal Credit Union CD Rates

3.14%$100k-60 Month Jumbo HSA Certificate
3.14%$100k-60 Month Jumbo Share Certificate
3.09%$100k-48 Month Jumbo HSA Certificate
3.09%$100k-48 Month Jumbo Share Certificate
3.04%$500-60 Month Share Certificate
3.04%$500-60 Month HSA Certificate
3.04%$100k-36 Month Jumbo HSA Certificate
3.04%$100k-36 Month Jumbo Share Certificate
3.04%$100k-56 Month Bump Up Jumbo HSA Certificate
3.04%$100k-56 Month Bump Up Jumbo Share Certificate
2.99%$500-48 Month Share Certificate
2.99%$500-48 Month HSA Certificate
2.94%$500-36 Month Share Certificate
2.94%$500-36 Month HSA Certificate
2.94%$500-56 Month Bump Up HSA Certificate
2.94%$500-56 Month Bump Up Share Certificate
2.89%$100k-24 Month Jumbo HSA Certificate
2.89%$100k-24 Month Jumbo Share Certificate
2.79%$500-24 Month Share Certificate
2.79%$500-24 Month HSA Certificate
2.79%$50-24 Month Young Adult Accumulator Share Certificate
2.78%$100k-20 Month Bump Up Jumbo HSA Certificate
2.78%$100k-20 Month Bump Up Jumbo Share Certificate
2.68%$500-20 Month Bump Up HSA Certificate
2.68%$500-20 Month Bump Up Share Certificate
2.54%$100k-12 Month Jumbo HSA Certificate
2.54%$100k-12 Month Jumbo Share Certificate
2.44%$500-12 Month Share Certificate
2.44%$500-12 Month HSA Certificate
2.13%$100k-6 Month Jumbo HSA Certificate
2.13%$100k-6 Month Jumbo Share Certificate
2.03%$500-6 Month Share Certificate
2.03%$500-6 Month HSA Certificate

Interior Federal Credit Union IRA Rates

3.14%$100k-60 Month IRA Jumbo Certificate
3.09%$100k-48 Month IRA Jumbo Certificate
3.04%$500-60 Month IRA Certificate
3.04%$100k-36 Month IRA Jumbo Certificate
3.04%$100k-56 Month Bump Up Jumbo IRA Certificate
2.99%$500-48 Month IRA Certificate
2.94%$500-36 Month IRA Certificate
2.94%$500$100k56 Month Bump Up IRA Certificate
2.89%$100k-24 Month IRA Jumbo Certificate
2.79%$500-24 Month IRA Certificate
2.78%$100k-20 Month Bump Up Jumbo IRA Certificate
2.68%$500-20 Month Bump Up IRA Certificate
2.54%$100k-12 Month Jumbo IRA Certificate
2.44%$500-12 Month IRA Certificate
2.13%$100k-6 Month Jumbo IRA Certificate
2.03%$500-6 Month IRA Certificate

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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