Northern Illinois Federal Credit Union

Headquarters

817 W Lincoln Hwy
Dekalb, IL 60115
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Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.65% →
5-Year CD N.A. 4.95% →
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

Northern Illinois is an NCUA insured institution located in Dekalb, IL. It was founded in 1958 and has approximately $18.34 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 19708
Date Established 1958
Assets $18.34 million
Loans $16.66 million
Deposits $15.60 million
Capital $2.54 million
 

Deposit Rates - October 2, 2026

Your Current Location: New York, NY 10116

We do not yet have rates for Northern Illinois

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Loan Rates - October 2, 2026

Your Current Location: New York, NY 10116

There are currently no loan rates available for Northern Illinois

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



Featured - New York 30 Year Fixed Mortgage Rates 2026

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Featured - New York Home Equity Line Of Credit Rates 2026

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Branches

Below are Northern Illinois 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:
New York City,New York


Northern Illinois Locations around zip code 10116


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NORTHERN ILLINOIS FEDERAL CREDIT UNION

786.95 A View Lobby Hours


Climate Policy and Initiatives

NORTHERN ILLINOIS 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

Northern Illinois Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northern Illinois. 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
Northern Illinois U.S. Average
8.58% 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, Northern Illinois had $212,386 in non-current loans and $10,000 in owned assets. To cover these potential losses it had $2,542,686 in net worth and $47,940 in loans loss reserves. That gives it a Texas Ratio of 8.58%.

Net Worth
Northern Illinois U.S. Average
13.86% 14.48%

Northern Illinois FCU has a net worth of 13.86% 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.



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