I C S Federal Credit Union

Our records indicate that this credit union has been acquired by GOOD NEIGHBORS.

Headquarters

Po Box 32
Elma, NY 14059
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

I C S is an NCUA insured institution located in Elma, NY. It was founded in 1963 and has approximately $1.96 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 15662
Date Established	1963
Assets	$1.96 million
Loans	$1.37 million
Deposits	$1.80 million
Capital	$0.15 million

Deposit Rates - December 14, 2025

Your Current Location: Texas, TX 10007

We do not yet have rates for I C S

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Loan Rates - December 14, 2025

Your Current Location: Texas, TX 10007

There are currently no loan rates available for I C S

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

Featured - Texas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1835285	5.749%	5.625%	0.88	$4,362	$1,843	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 2059741	5.929%	5.875%	0.63	$1,859	$1,893	Learn More

See More Mortgage Rates →

Featured - Texas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600

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Branches

Below are I C S 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:
Lubbock,Texas

I C S Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
ICS FEDERAL CREDIT UNION	1387.26	A	View Lobby Hours

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Climate Policy and Initiatives

I C S 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 S Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of I C S. 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 S	U.S. Average
14.01%	5.63

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, 2025, I C S had $21,997 in non-current loans and $0 in owned assets. To cover these potential losses it had $153,667 in net worth and $3,336 in loans loss reserves. That gives it a Texas Ratio of 14.01%.

Net Worth

I C S	U.S. Average
7.84%	14.29%

I C S FCU has a net worth of 7.84% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for I C S

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