Gurnee, IL 60031
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.25% 1.01% →
2-Year CD 0.40% 0.95% →
5-Year CD 0.90% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Community Trust is an NCUA insured institution located in Gurnee, IL. It was founded in 1933 and has approximately $235.08 millions in assets.

Who can join?

CTCU Membership is open to anyone who lives or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin, or have a relative who is a CTCU member.

NCUA Insured Yes
Charter Number # # 60543
Date Established 1933
Assets $235.08 million
Loans $127.11 million
Deposits $211.84 million
Capital $22.46 million

Field of Membership Restrictions

Community Trust CU is open to the residents and people that maintain employment in the Illinois Counties of Lake or McHenry, the Wisconsin County of Kenosha as well as the family members of current CU members.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for COMMUNITY TRUST

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.561% 2.500% 0.75 $2,021 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


Below are Community Trust 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:

Community Trust Locations

Financial Details

Community Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Trust. 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
Community Trust U.S. Average
4.25% 6.71

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 March 30, 2020, Community Trust had $912,598 in non-current loans and $63,750 in owned assets. To cover these potential losses it had $22,464,810 in net worth and $530,710 in loans loss reserves. That gives it a Texas Ratio of 4.25%.

Net Worth
Community Trust U.S. Average
9.68% 13.61%

Community Trust FCU has a net worth of 9.68% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Community Trust

Branches and Savings

What is Community Trust?

A federal credit union, registered with the NCUA under certificate #60543.
Learn more about credit unions here.

Is Community Trust FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Community Trust?

Please see Field of Membership information above for information on who is eligible to join.

What are Community Trust's share account and share certificate rates?

Community Trust's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Community Trust?

Community Trust has total capital of $22.46 million. Full information on Community Trust's financial position is located above.

Who owns Community Trust?

Credit Unions are owned by their members.

Where are Community Trust branches located?

See branch locations nearby.

Are Community Trust ATMs Open 24/7?

Do Community Trust ATMs accept cash deposits?

Can Community Trust customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Community Trust have a mobile app?

Does Community Trust have mobile deposit?

Does Community Trust have quick pay?

How can Community Trust transfer money to other banks or credit unions?

Does Community Trust report to credit bureaus?

Does Community Trust use Chexsystems?

Does Community Trust use Equifax?

What is Community Trust's toll free phone number?

What is Community Trust's ACH Routing Number?

What is Community Trust's SWIFT code?

Where can I find Community Trust's wire transfer form?

What is the Community Trust address for deposits?

What Products Does Community Trust Offer

Does Community Trust offer mortgages?

Compare mortgage rates here.

Does Community Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Trust offer auto and RV loans?

Compare auto loan rates here.

Does Community Trust offer student loans or personal loans?

Compare personal loan rates here.

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