Interra Credit Union

Overview / Commentary
300 W Lincoln Ave
Goshen, IN 46526

Interra Credit Union is headquartered in Goshen and is the 9th largest credit union in the state of Indiana. It is also the 260th largest credit union in the nation. It was established in 1932 and as of March of 2024, it had grown to 314 employees and 89,775 members at 16 locations. Interra Credit Union's money market rates are 11X the national average, and it has an A health rating.

Field of Membership Restrictions

Interra Credit Union offers membership to those who live or work in the Indiana counties of Allen, Adams, DeKalb, Fulton, Elkhart, Grant, LaGrange, Huntington, Jasper, Porter, Kosciusko, Lake, LaPorte, Starke, Marshall, Miami, Noble, Pulaski, St. Joseph, Whitley, Steuben, Wabash, Wells, or Union; Immediate family member can also join; Who work for a business or organization that offers Interra membership as a benefit.
See current membership details

Reviews (7)

Very Friendly And Helpful

My Fiancee and I have been a customer of thiers for over 10 years. They have always been very friendly and helpful every time we have gone there. When I bring my children with me they go out of their way to give my children suckers or ballons which makes a very positive impact on thier day. They also have a area for kids to play at while thy are there. I had noticed also there is a section that has two computers with internet access for customers along with free coffee. I have never been to a credit union or bank that has so many free features in the building offered to it's customers.

I have had  help when i was mischarged by our phone company duplicate times and the problem was fixed within a very short preiod of time and the money was reimburssed without any red tape. I had also had a mix up with a deposit which did result in getting fees charged to my account but they reversed those charges. This is the best credit union in my opinion. I would never go anywhere else and would recommend them to all I know. 

Long time member

Posted by: |

We have been involved with Interra Credit Union and Chiphone Credit Union (1990') for probably 10-15 years. We have also been with several other regular banks. We went with the credit union because it had better interest rates than the bank- it was 4% rather than around 1% at the bank. My mom had a large amount of money and they offered her more, and we just went with her to change banks. We have been with interra for about 5-6 years. It used to be you used your debit card ten times and got 4% interest. In the last couple of years it is use it 15 times and the percent is less. So it is not as inviting offer as before. We don't use our card that much- so often i'm only getting .5%. Our church is looking to change from Key bank to the credit union as the bank wants 5000 dollar in the account or they charge interest. Our mission fund at the bank has a balance of 2500, and gets no interest at all. The general fund makes about .50-1.00 interest on a 10,000 balance. Interra is offering a $100 balance to non profit organizations with no charge, but there is no interest rate on those accounts. We will probably move our accounts to interra next month because we don't need such a high balance


Posted by: |

Stay far away from Interra. I have 3 different accounts with 3 different banks and Interra is the worse financial provider. If I could refinance my loans I would and get far far away from this credit union. They hold your debit card hostage when you are late on making payments, you have money in your account and they turn the card off...this is UNCONSTITUTIONAL!! The other financial institutions respect their customers and their needs and try to help them in all situations. All this institution does is make repetitive phone calls, emails, texts to the point of harrassment. Customer service at all branches is rude and they make the customer feel like they are nothing and you better pay up or else....I made several credit card payments on time and they still closed the credit card account which hits you on your credit score. So fed up and frustrated with this institution. The fees are skyrocketing. Chase don't even charge overdraft fees if under a certain amount. There is no cap on what you can withdraw from a CHASE ATM too. I have stopped my direct deposits going to Interra for a reason and they also slow pay something so payments bounce and you have to pay a fee....RUN AWAY FROM INTERRA VERY VERY FAST!!!

No Longer an Active Member

Posted by: |

They hold credits and payments for days hoping you're gonna make a mistake so they can ding you $32.00 for an overdraft.

Very Disappointed

Posted by: |

They are charging a 32$ fee when clearly their is money in the account and then refusing to put the money back into my account when clearly they are in the wrong. Just find a different bank seriously

Unhappy Customer

Posted by: |

I have unfairly received a $32 courtesy fee and Interra has refused to waive this fee. I have two linked accounts and was told they would cover one another in the event of an overdraft. This did not happen and I was told I didn't sign the appropriate form for this. Interra proceeded to tell me they had no proof it was their error and that I was under the impression I had this coverage in place. They kept $32 of my money, my word meant nothing to them, and apparently neither did my business. What did matter to Interra was keeping $32 of my money. I now bank elsewhere and will be closing both accounts tomorrow.

One star was given due to the fact zero stars was not an option.

Gotten Too Big ...No Longer The Friendly Hometown Credit Union

Posted by: |

I have been banking with Interest for over 20 years. They used to be a friendly Hometown institution that resembled the small bank I used while growing up. But as they have grown they seem to have forgotten the people who made them what they are. Today its about policies and excessive fees and you can no longer go in and talk to someone who has the power to act they apparently all hide on the upper floors of the office building. I made a $9 error and ended up losing over $100. I don't even make that much in a week sometimes. I simply asked for a little help but I guess that was too hard for them to understand. I kept getting the same script repeated back at me...guess if you stay on script your OK if you get off they just can't follow.


Health Grade Components

NCUA #82794
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.72%
Annual Interest Income$21.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.86B$1.73B
LoansQ1 2024vs Q1 2023$1.42B$1.37B
DepositsQ1 2024vs Q1 2023$1.52B$1.34B
Equity CapitalQ1 2024vs Q1 2023$139.8MM$132.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$13MM$13.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.7MM$3.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Interra 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.

Interra Credit Union Savings Account Rates

0.25%$0-HSA Checking
0.10%$0-Sign & Save Savings (round up)
0.10%$0-Christmas Club
0.10%$0-Kids Club
0.10%$0-HSA Savings
0.05%$0-Member Share Savings
0.05%$0-Share Savings

Interra Credit Union Money Market Rates

5.00%*$3m*-Money Market Share Account
OTHER TIERS: 0.10% $1k - $50k | 0.20% $50k - $100k | 0.40% $100k - $250k | 0.90% $250k - $1m | 1.25% $1m - $3m
5.00%*$3m*-Business Money Market Share Account
OTHER TIERS: 0.10% $1k - $50k | 0.20% $50k - $100k | 0.90% $100k - $250k | 2.15% $250k - $1m | 3.40% $1m - $3m
5.00%*$3m*-LINked Money Market Share Account
OTHER TIERS: 3.90% $10k - $250k | 4.02% $250k - $500k | 4.33% $500k - $1m | 4.63% $1m - $3m
5.00%*$3m*-Business LINked Money Market Share Account
OTHER TIERS: 4.00% $0 - $100k | 4.11% $100k - $250k | 4.21% $250k - $500k | 4.39% $500k - $1m | 4.65% $1m - $3m

Interra Credit Union Checking Account Rates

1.00%*$0$10kFlex Checking w/ 25+ Debit Card Purchases
OTHER TIERS: 0.15% $10k+
0.50%*$0$10kFlex Checking w/ 10-24 Debit Card Purchases
OTHER TIERS: 0.15% $10k+

Interra Credit Union CD Rates

4.88%$500$5m7 Month CD Special
4.30%$500-23 Month CD Special
4.30%$500-23 Month HSA Special
2.00%$500-60 Month CD
2.00%$500-60 Month HSA
1.90%$500-48 Month CD
1.90%$500-48 Month HSA
1.85%$500-36 Month CD
1.85%$500-36 Month HSA
1.80%$500-24 Month CD
1.80%$500-24 Month HSA
1.75%$500-18 Month CD
1.75%$500-18 Month HSA
1.50%$500-12 Month CD
1.50%$500-12 Month HSA
0.90%$500-6 Month CD
0.90%$500-6 Month HSA
0.40%$500-3 Month CD
0.40%$500-3 Month HSA


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