I-c Federal Credit Union

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Headquarters

300 Bemis Rd
Fitchburg, MA 01420
See all branch locations →

ACH 211382850

Phone (800) 262-1001

Notable Rates APY Vs.Others
Savings 0.02% 5.50% →
1-Year CD 0.20% 4.80% →
2-Year CD 0.30% 4.25% →
5-Year CD 0.60% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

I-c is an NCUA insured institution located in Fitchburg, MA. It was founded in 1934 and has approximately $609.03 millions in assets.

Who can join?

Individuals who live or work in Franklin, Hampden, Hampshire, Middlesex, Norfolk, and Worcester Counties in the Commonwealth of Massachusetts.

Also included are:
Spouses of deceased Credit Union Members;
Employees of the Credit Union and Members of their immediate families;
Organizations of Credit Union Members

NCUA Insured Yes / Federally Chartered
Charter Number # # 24250
Date Established 1934
Assets $609.03 million
Loans $466.42 million
Deposits $508.75 million
Capital $61.82 million
 

Field of Membership Restrictions

Membership in IC Federal Credit Union is open to those who live, work, worship, attend school, participate in an association with a headquarters, and organizations in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts. Membership is also open to family members and organizations of existing members.

Deposit Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.02% $50 - Learn More
Money Market
0.05% $50 $9,999 Learn More
Money Market
0.05% $10,000 $24,999 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $500 - Learn More
12 Mo CD
0.20% $500 - Learn More
18 Mo CD
0.25% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
36 Mo CD
0.40% $500 - Learn More
48 Mo CD
0.50% $500 - Learn More
60 Mo CD
0.60% $500 - Learn More

Loan Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for I-c

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Sebonic
NMLS ID: 66247
6.576% 6.500% 0.75 $2,544 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.953% 6.875% 0.63 $2,534 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to I-c
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are I-c branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

I-C is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

I-c Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of I-c. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
I-c U.S. Average
31.27% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, I-c had $20,160,622 in non-current loans and $331,686 in owned assets. To cover these potential losses it had $61,817,086 in net worth and $3,714,074 in loans loss reserves. That gives it a Texas Ratio of 31.27%.

Net Worth
I-c U.S. Average
10.2% 13.93%

I-c FCU has a net worth of 10.2% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



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