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Interra Credit Union


Overview / Commentary
www.interracu.com
574-534-2506
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 258th largest credit union in the nation. It was established in 1932 and as of June of 2024, it had grown to 304 employees and 87,491 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

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Reviews (1)

Practices Are UNCONSTITUTIONAL!!

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!!!

1


Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #82794
Year Chartered1932
Employees304
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.5%
Annual Interest Income$43.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.88B$1.73B
LoansQ2 2024vs Q2 2023$1.46B$1.38B
DepositsQ2 2024vs Q2 2023$1.55B$1.36B
Equity CapitalQ2 2024vs Q2 2023$141.7MM$130.9MM
Loan Loss AllowanceQ2 2024vs Q2 2023$13MM$13.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$2.9MM$3.9MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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: 3.55% → $10k - $250k | 3.80% → $250k - $500k | 4.08% → $500k - $1m | 4.40% → $1m - $3m
5.00%*$3m*-Business LINked Money Market Share Account
OTHER TIERS: 3.45% → $0 - $100k | 3.85% → $100k - $250k | 3.98% → $250k - $500k | 4.25% → $500k - $1m | 4.40% → $1m - $3m

Interra Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.04%$500-7 Month CD Special
5.04%$500-7 Month HSA CD Special
4.40%$500-11 Month CD Special
4.40%$500-11 Month HSA CD Special
3.80%$500-23 Month CD Special
3.80%$500-23 Month HSA CD 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
Locations

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