Canals & Trails Credit Union

Headquarters

838 S State St
Lockport, IL 60441
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Notable Rates APY Vs.Others
Savings N.A. 4.15% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.45% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Canals & Trails is an NCUA insured institution located in Lockport, IL. It was founded in 1959 and has approximately $33.34 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68508
Date Established 1959
Assets $33.34 million
Loans $7.98 million
Deposits $29.73 million
Capital $3.57 million
 

Deposit Rates - September 8, 2026

Your Current Location: Arizona, AZ 85001

We do not yet have rates for Canals & Trails

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Loan Rates - September 8, 2026

Your Current Location: Arizona, AZ 85001

There are currently no loan rates available for Canals & Trails

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



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Branches

Below are Canals & Trails 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:
Phoenix,Arizona


Canals & Trails Locations around zip code 85001


BranchDistance Map View Lobby Hours

Canals & Trails Credit Union Main Office

1391.70 A View Lobby Hours

2 Belmont Dr

1392.14 B View Lobby Hours


Climate Policy and Initiatives

CANALS & TRAILS 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

Canals & Trails Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Canals & Trails. 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
Canals & Trails U.S. Average
1.61% 6.78

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 December 31, 2025, Canals & Trails had $58,911 in non-current loans and $696 in owned assets. To cover these potential losses it had $3,572,784 in net worth and $118,399 in loans loss reserves. That gives it a Texas Ratio of 1.61%.

Net Worth
Canals & Trails U.S. Average
10.71% 14.48%

Canals & Trails FCU has a net worth of 10.71% versus the BestCashCow average of 14.48. 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 Canals & Trails

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