Credit union · Privately insured
IH Credit Union
A $358.7M credit union headquartered in Springfield, OH, with 18,531 members and 5 branches in Ohio. Best rates: CDs 3.65% and savings 0.60% APY.
IH Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#6 of 8 in Springfield, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About IH Credit Union
Founded in 1934 to serve International Truck and Engine Corporation employees and retirees, the credit union officially changed its name to IH Credit Union in 2015.
The state-chartered, member-owned credit union serves anyone who lives or works across the state of Ohio.
- Headquarters
- 5000 Urbana Rd, Springfield, OH 45502-9069
- NCUA charter
- 97104
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery, or Union County, Ohio qualifies for membership.
Employers and groups
- Residents of Ohio, Michigan, or West Virginia who do not qualify through the eight Ohio counties can qualify for membership by joining the American Consumer Council (ACC).
Branches
5 branches in Ohio
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Ohio
5 branches
Springfield area · 3
- IH Credit UnionMain office5000 Urbana Rd, Springfield, OH 45502Directions
- 1st Street Branch1427 W 1st ST, Springfield, OH 45504Directions
- Leffel Lane Branch299 E Leffel ln, Springfield, OH 45505Directions
Dayton area · 1
- Fairfield Rd branch1464 N Fairfield Rd, Beavercreek, OH 45432Directions
Urbana area · 1
- branch office731 Scioto St, Urbana, OH 43078Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.70% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.92% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio16.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.70%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of IH Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.