Best Credit Union Savings and Money Market Rates in Illinois, IL October 29, 2025

You are viewing savings rates from credit unions across Illinois

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Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

IL - October 29, 2025

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
COVANTAGE Restrictions	4.75% 4.25% 4.10% 3.50% 2.50% 0.85%	$750,000 $500,000 $250,000 $100,000 $25,000 $0	Learn More Add Review
STATE FARM Illinois Branch Restrictions	4.34%	$0	Learn More
Rate History: 3.30% → 3.56% → 3.82% → 4.08% → 4.34%
Roy Sherman \| Mar 4, 2020 Savings Read More Reviews (2)
BAXTER Crystal Lake Branch Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
QUORUM Restrictions	3.75%	$0	Learn More
Rate History: 4.17% → 4.00% → 3.93% → 4.00% → 3.75%
greg hunter \| Sep 18, 2025 Great service and efficient communication for a business LOC. Jen Hardie went way above and beyond! Read More Reviews (3)
SELF-HELP Little Village Branch Restrictions	3.32%	$500	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
FIRST COMMUNITY Belleville Branch Restrictions	3.10% 2.95% 2.35%	$50,000 $25,000 $1,000	Learn More Add Review
ALLIANT Alliant Branch Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
CONNEXUS Burr Ridge Office Branch Restrictions	3.01% 2.80% 2.51% 2.00% 0.25%	$1,000,000 $500,000 $250,000 $20,000 $1,000	Learn More
Rate History: 4.01% → 3.91% → 3.65% → 3.01% → 3.01%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
PENTAGON Restrictions	2.80%	$5	Learn More
Last change: ↓ 0.10% on September 25.
Rate History: 2.90% → 2.80%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
CITIZENS EQUITY FIRST East Peoria Member Center Branch Restrictions	2.60% 2.50% 2.40% 2.30%	$100,000 $50,000 $25,000 $2,500	Learn More Add Review
Rate History: 1.70% → 2.15% → 2.25% → 2.60%
GREENSTATE Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.15% 1.95% 1.75% 1.60% 1.45% 1.06% 1.00% 0.90%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
AMERICAN AIRLINES American Airlines Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
CORPORATE AMERICA FAMILY Corporate America Fa Branch Restrictions	2.02% 1.51% 1.26% 1.01% 0.90% 0.80% 0.70%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500 $1,000	Learn More Add Review
BAXTER Crystal Lake Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
QUORUM Restrictions	1.70% 1.44% 1.20% 0.70% 0.45%	$250,000 $100,000 $25,000 $10,000 $0	Learn More
Rate History: 1.69% → 1.70%
greg hunter \| Sep 18, 2025 Great service and efficient communication for a business LOC. Jen Hardie went way above and beyond! Read More Reviews (3)
NORTHROP GRUMMAN Northrop Grumman Branch Restrictions	1.40%	$2,500	Learn More Add Review
Rate History: 1.70% → 1.55% → 1.40%
GREENSTATE Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
COVANTAGE Restrictions	1.10%	$10	Learn More Add Review
CITIZENS EQUITY FIRST East Peoria Member Center Branch Restrictions	1.05% 1.00% 0.95%	$10,000 $1,000 $5	Learn More Add Review
Rate History: 0.71% → 0.70% → 0.71% → 1.05%
EDUCATION PERSONNEL Education Personnel Branch Restrictions	1.01%	$10,000	Learn More Add Review
ILLINOIS STATE 1408 Airport Road Branch Restrictions	0.85%	$25,000	Learn More Add Review
R.I.A. R.i.a. Branch Restrictions	0.70%	$25,000	Learn More Add Review
COOPERATIVE CHOICE NETWORK Members Choice Branch Restrictions	0.70%	$2,501	Learn More Add Review
GAS AND ELECTRIC Gas And Electric Branch Restrictions	0.65%	$100,000	Learn More Add Review
FIRST FINANCIAL S&c Electric Branch Restrictions	0.65%	$25,000	Learn More Add Review
DU TRAC COMMUNITY Restrictions	0.60%	$25,000	Learn More Add Review
DUPACO COMMUNITY Dupaco Community Branch Restrictions	0.60%	$25,000	Learn More Add Review
UNITED COMMUNITY United Community Branch Restrictions	0.60%	$25,000	Learn More Add Review
A.A.E.C. A.a.e.c. Branch Restrictions	0.60%	$2,500	Learn More Add Review
ILLINOIS STATE 1408 Airport Road Branch Restrictions	0.55%	$10,000	Learn More Add Review
UNITED COMMUNITY United Community Branch Restrictions	0.55%	$10,000	Learn More Add Review
I. H. MISSISSIPPI VALLEY I. H. Mississippi Va Branch Restrictions	0.55%	$10,000	Learn More Add Review
EDUCATION PERSONNEL Education Personnel Branch Restrictions	0.55%	$2,500	Learn More Add Review
ABRI Argonne Branch Restrictions	0.55%	$25,000	Learn More Add Review
GAS AND ELECTRIC Gas And Electric Branch Restrictions	0.50%	$25,000	Learn More Add Review
DU TRAC COMMUNITY Restrictions	0.50%	$10,000	Learn More Add Review
1ST MIDAMERICA Olin Community Branch Restrictions	0.50%	$25,000	Learn More Add Review
UNITED COMMUNITY United Community Branch Restrictions	0.50%	$2,500	Learn More Add Review
COOPERATIVE CHOICE NETWORK Members Choice Branch Restrictions	0.50%	$1	Learn More Add Review
GREAT LAKES Great Lakes Branch Restrictions	0.50% 0.00%	$10,000 $0	Learn More Add Review
SELFRELIANCE Selfreliance Ukraini Branch Restrictions	0.50%	$25,000	Learn More Add Review
1ST GATEWAY 1st Gateway Branch Restrictions	0.50%	$25,000	Learn More Add Review
FIRST FINANCIAL S&c Electric Branch Restrictions	0.50%	$2,500	Learn More Add Review
CTA SOUTH Cta South Branch	0.50%	$2,500	Learn More Add Review
CHICAGO FIREFIGHTER'S Chicago Firefighter' Branch Restrictions	0.50%	$2,500	Learn More Add Review
CHICAGO FIRE OFFICERS' ASSOCIATION Chicago Fire Officer Branch	0.50%	$2,500	Learn More Add Review
ABRI Argonne Branch Restrictions	0.50%	$10,000	Learn More Add Review
LANDMARK Danville Office Branch Restrictions	0.45%	$10,000	Learn More Add Review
1ST MIDAMERICA Olin Community Branch Restrictions	0.45%	$10,000	Learn More Add Review
IAA Iaa Credit Union Main Branch Restrictions	0.45%	$25,000	Learn More Add Review
COOPERATIVE CHOICE NETWORK Members Choice Branch Restrictions	0.45%	$1,001	Learn More Add Review
1ST GATEWAY 1st Gateway Branch Restrictions	0.45%	$10,000	Learn More Add Review
ABRI Argonne Branch Restrictions	0.45%	$2,500	Learn More Add Review
SERVICE PLUS Service Plus Branch	0.41%	$25,000	Learn More Add Review
TECH Tech Branch Restrictions	0.40%	$25,000	Learn More Add Review
GAS AND ELECTRIC Gas And Electric Branch Restrictions	0.40%	$10,000	Learn More Add Review
DU TRAC COMMUNITY Restrictions	0.40%	$2,500	Learn More Add Review
COMMUNITY PLUS Community Plus Branch	0.40%	$25,000	Learn More Add Review
GCS Madison Branch Restrictions	0.40%	$25,000	Learn More
Ron Frauenfelder \| Jul 11, 2022 I had the good fortune to speak with Sara S., when I contacted the call center. She immediately took ownership of my request. She was very personable and professional. It was quite apparent to me that Sar... Read More Reviews (2)
DUPACO COMMUNITY Dupaco Community Branch Restrictions	0.40%	$10,000	Learn More Add Review
1ST MIDAMERICA Olin Community Branch Restrictions	0.40%	$2,500	Learn More Add Review
ADVIA Rockton Branch Restrictions	0.40%	$25,000	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
BLAW-KNOX Blaw-knox Branch	0.40%	$2,500	Learn More Add Review
SIU Siu Branch Restrictions	0.40%	$25,000	Learn More Add Review
THE FAMILY The Family Branch Restrictions	0.40%	$25,000	Learn More Add Review
CATHOLIC & COMMUNITY Catholic & Community Branch Restrictions	0.40%	$25,000	Learn More Add Review
VERVE, A CREDIT UNION Restrictions	0.40%	$10,000	Learn More Add Review
NORTHROP GRUMMAN Northrop Grumman Branch Restrictions	0.40%	$5	Learn More Add Review
Rate History: 0.45% → 0.40%
CTA-74TH STREET DEPOT 74th Street Depot Branch	0.38%	$2,500	Learn More Add Review
MIDWEST MEMBERS	0.35%	$25,000	Learn More Add Review
GCS Madison Branch Restrictions	0.35%	$2,500	Learn More
Ron Frauenfelder \| Jul 11, 2022 I had the good fortune to speak with Sara S., when I contacted the call center. She immediately took ownership of my request. She was very personable and professional. It was quite apparent to me that Sar... Read More Reviews (2)
SCOTT Scott Branch Restrictions	0.35%	$25,000	Learn More Add Review
MID-ILLINI Mid-illini Branch	0.35%	$25,000	Learn More Add Review
FIRST NORTHERN First Northern Branch Restrictions	0.35%	$25,000	Learn More Add Review
VIBRANT Dhcu Community Branch Restrictions	0.35%	$2,500	Learn More
donnasspicer \| Apr 24, 2023 No they don’t have deposit as a function. Read More Reviews (2)
SIU Siu Branch Restrictions	0.35%	$10,000	Learn More Add Review
STREATOR ONIZED Streator Onized Branch Restrictions	0.35%	$10,000	Learn More Add Review
ILLIANA FINANCIAL Chicago Heights Branch Restrictions	0.35%	$25,000	Learn More Add Review
CATHOLIC & COMMUNITY Catholic & Community Branch Restrictions	0.35%	$2,500	Learn More Add Review
CHICAGO PATROLMEN'S Chicago Patrolmen's Branch Restrictions	0.35%	$25,000	Learn More Add Review
MAROON FINANCIAL Maroon Financial Branch	0.35%	$25,000	Learn More Add Review
SERVICE PLUS Service Plus Branch	0.31%	$2,500	Learn More Add Review
LAND OF LINCOLN Land Of Lincoln Branch Restrictions	0.30%	$25,000	Learn More Add Review
MIDWEST MEMBERS	0.30%	$10,000	Learn More Add Review
SCOTT Scott Branch Restrictions	0.30%	$2,500	Learn More Add Review
R.I.A. R.i.a. Branch Restrictions	0.30%	$10,000	Learn More Add Review
IAA Iaa Credit Union Main Branch Restrictions	0.30%	$10,000	Learn More Add Review
ADVIA Rockton Branch Restrictions	0.30%	$10,000	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
ILLINOIS STATE 1408 Airport Road Branch Restrictions	0.30%	$2,500	Learn More Add Review
SELF-HELP Little Village Branch Restrictions	0.30% 0.10%	$100 $25	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
EATON FAMILY Eaton Family Branch Restrictions	0.30%	$25,000	Learn More Add Review
STREATOR ONIZED Streator Onized Branch Restrictions	0.30%	$2,500	Learn More Add Review
ILLIANA FINANCIAL Chicago Heights Branch Restrictions	0.30%	$10,000	Learn More Add Review
THE FAMILY The Family Branch Restrictions	0.30%	$2,500	Learn More Add Review
ARSENAL Arsenal Credit Union-st Clair County Branch Restrictions	0.30%	$25,000	Learn More Add Review
HEARTLAND Heartland Branch Restrictions	0.30%	$25,000	Learn More Add Review
UNITED United Branch Restrictions	0.30%	$25,000	Learn More Add Review
ACME CONTINENTAL Acme Continental Branch Restrictions	0.30%	$25,000	Learn More Add Review
LAND OF LINCOLN Land Of Lincoln Branch Restrictions	0.28%	$10,000	Learn More Add Review
NORTHWEST MUNICIPAL Northwest Municipal Branch Restrictions	0.28%	$2,500	Learn More Add Review
GAS AND ELECTRIC Gas And Electric Branch Restrictions	0.25%	$2,500	Learn More Add Review
LAND OF LINCOLN Land Of Lincoln Branch Restrictions	0.25%	$2,500	Learn More Add Review
MOLINE MUNICIPAL Moline Municipal Branch Restrictions	0.25%	$2,500	Learn More Add Review
COMMUNITY PLUS Community Plus Branch	0.25%	$10,000	Learn More Add Review
FIRST COMMUNITY Belleville Branch Restrictions	0.25%	$0	Learn More Add Review
MIDWEST MEMBERS	0.25%	$2,500	Learn More Add Review
DUPACO COMMUNITY Dupaco Community Branch Restrictions	0.25%	$2,500	Learn More Add Review
ADM Adm Branch	0.25%	$2,500	Learn More Add Review
IAA Iaa Credit Union Main Branch Restrictions	0.25%	$2,500	Learn More Add Review
MID-ILLINI Mid-illini Branch	0.25%	$2,500	Learn More Add Review
PRAIRIELAND Prairieland Branch Restrictions	0.25%	$2,500	Learn More Add Review
ROCK VALLEY	0.25%	$25,000	Learn More Add Review
EATON FAMILY Eaton Family Branch Restrictions	0.25%	$10,000	Learn More Add Review
STREATOR COMMUNITY Streator Community Branch Restrictions	0.25%	$2,500	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
HEALTHCARE ASSOCIATES Healthcare Associate Branch Restrictions	0.25%	$2,500	Learn More Add Review
SIU Siu Branch Restrictions	0.25%	$2,500	Learn More Add Review
STREATOR ONIZED Streator Onized Branch Restrictions	0.25%	$2,500	Learn More Add Review
ANDIGO Motorola Emp. Branch Restrictions	0.25%	$25,000	Learn More Add Review
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
ILLINOIS COMMUNITY Illinois Community Branch Restrictions	0.25%	$25,000	Learn More Add Review
EARTHMOVER Earthmover Branch Restrictions	0.25%	$25,000	Learn More Add Review
SERVICE PLUS Service Plus Branch	0.25%	$2,500	Learn More Add Review
CONSUMERS COOPERATIVE Consumers Cooperativ Branch Restrictions	0.25%	$25,000	Learn More Add Review
ASCENTRA Ascentra Branch Restrictions	0.25%	$25,000	Learn More Add Review
ARSENAL Arsenal Credit Union-st Clair County Branch Restrictions	0.25%	$10,000	Learn More Add Review
GATEWAY METRO Gateway Metro Branch Restrictions	0.25%	$25,000	Learn More Add Review
TECH Tech Branch Restrictions	0.25%	$10,000	Learn More Add Review
CHICAGO PATROLMEN'S Chicago Patrolmen's Branch Restrictions	0.25%	$2,500	Learn More Add Review
ACME CONTINENTAL Acme Continental Branch Restrictions	0.25%	$10,000	Learn More Add Review
WESTERN SPRINGS Western Springs Branch	0.25%	$2,500	Learn More Add Review
VERVE, A CREDIT UNION Restrictions	0.25%	$2,500	Learn More Add Review
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
MIDWEST AMERICA Midwest America Branch Restrictions	0.24%	$25,000	Learn More Add Review
SIU Siu Branch Restrictions	0.23%	$2,500	Learn More Add Review
CORNERSTONE Cornerstone Branch Restrictions	0.20%	$10,000	Learn More Add Review
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino Branch Restrictions	0.20%	$25,000	Learn More Add Review
VANTAGE Vantage Branch Restrictions	0.20%	$25,000	Learn More
FJM \| Jun 14, 2023 The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on ... Read More Reviews (1)
DUPACO COMMUNITY Dupaco Community Branch Restrictions	0.20%	$2,500	Learn More Add Review
STALEY Staley Employees Branch Restrictions	0.20%	$25,000	Learn More Add Review
IAA Iaa Credit Union Main Branch Restrictions	0.20%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.20%	$25,000	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
ADVIA Rockton Branch Restrictions	0.20%	$2,500	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
ILLINOIS STATE 1408 Airport Road Branch Restrictions	0.20%	$2,500	Learn More Add Review
COMMUNITY TRUST Community Trust Branch Restrictions	0.20%	$25,000	Learn More Add Review
BLACKHAWK AREA Blackhawk Area Branch Restrictions	0.20%	$2,500	Learn More Add Review
KANE COUNTY TEACHERS Kane County Teachers Branch Restrictions	0.20%	$25,000	Learn More Add Review
R.I.A. R.i.a. Branch Restrictions	0.20%	$2,500	Learn More Add Review
ILLIANA FINANCIAL Chicago Heights Branch Restrictions	0.20%	$2,500	Learn More Add Review
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
ASCENTRA Ascentra Branch Restrictions	0.20%	$10,000	Learn More Add Review
THE FAMILY The Family Branch Restrictions	0.20%	$2,500	Learn More Add Review
CATHOLIC & COMMUNITY Catholic & Community Branch Restrictions	0.20%	$2,500	Learn More Add Review
HEARTLAND Heartland Branch Restrictions	0.20%	$2,500	Learn More Add Review
LANDMARK Danville Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
1ST GATEWAY 1st Gateway Branch Restrictions	0.20%	$2,500	Learn More Add Review
NUMARK Numark Branch Restrictions	0.20%	$20,000	Learn More Add Review
NEW CENTURY New Century Branch Restrictions	0.20%	$10,000	Learn More Add Review
ACME CONTINENTAL Acme Continental Branch Restrictions	0.20%	$2,500	Learn More Add Review
MIDWEST AMERICA Midwest America Branch Restrictions	0.16%	$10,000	Learn More Add Review
DECATUR EARTHMOVER Decatur Earthmover Branch Restrictions	0.15%	$25,000	Learn More Add Review
KEMBA PEORIA Kemba Peoria Branch	0.15%	$2,500	Learn More Add Review
STALEY Staley Employees Branch Restrictions	0.15%	$10,000	Learn More Add Review
GALE Gale Branch Restrictions	0.15%	$2,500	Learn More Add Review
PRAIRIELAND Prairieland Branch Restrictions	0.15%	$2,500	Learn More Add Review
CORNERSTONE Cornerstone Branch Restrictions	0.15%	$25,000	Learn More Add Review
FIRST COMMUNITY CU OF BELOIT First Community Cu O Branch Restrictions	0.15%	$10,000	Learn More Add Review
PARDA Parda Branch Restrictions	0.15%	$10,000	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
ROCKFORD BELL Rockford Bell Branch Restrictions	0.15%	$2,500	Learn More Add Review
OTTAWA HIWAY Ottawa Hiway Branch	0.15%	$2,500	Learn More Add Review
FIRST NORTHERN First Northern Branch Restrictions	0.15%	$2,500	Learn More Add Review
ROCK VALLEY	0.15%	$10,000	Learn More Add Review
CONSUMERS COOPERATIVE Consumers Cooperativ Branch Restrictions	0.15%	$2,500	Learn More Add Review
RIVERSIDE COMMUNITY Riverside Community Branch Restrictions	0.15%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
EARTHMOVER Earthmover Branch Restrictions	0.15%	$10,000	Learn More Add Review
FINANCIAL PLUS Financial Plus Branch Restrictions	0.15%	$2,500	Learn More Add Review
NUMARK Numark Branch Restrictions	0.15%	$2,000	Learn More Add Review
ANDIGO Motorola Emp. Branch Restrictions	0.15%	$2,500	Learn More Add Review
SELFRELIANCE Selfreliance Ukraini Branch Restrictions	0.15%	$2,500	Learn More Add Review
ILLINOIS COMMUNITY Illinois Community Branch Restrictions	0.15%	$10,000	Learn More Add Review
TAYLORVILLE COMMUNITY Taylorville Communit Branch Restrictions	0.15%	$2,500	Learn More Add Review
GATEWAY METRO Gateway Metro Branch Restrictions	0.15%	$2,500	Learn More Add Review
NEW CENTURY New Century Branch Restrictions	0.15%	$2,500	Learn More Add Review
DISTRICT 123 District 123 Branch	0.15%	$2,500	Learn More Add Review
ARCHER HEIGHTS Archer Heights Branch	0.15%	$2,500	Learn More Add Review
MAROON FINANCIAL Maroon Financial Branch	0.15%	$2,500	Learn More Add Review
METRO Metro Branch	0.15%	$25,000	Learn More Add Review
MEMBERSALLIANCE Members Alliance Branch Restrictions	0.13%	$25,000	Learn More Add Review
KANE COUNTY TEACHERS Kane County Teachers Branch Restrictions	0.12%	$2,500	Learn More Add Review
GENFED FINANCIAL Centralia Office Branch	0.12%	$25,000	Learn More Add Review
DECATUR EARTHMOVER Decatur Earthmover Branch Restrictions	0.10%	$10,000	Learn More Add Review
LAND OF LINCOLN Land Of Lincoln Branch Restrictions	0.10%	$2,500	Learn More Add Review
DU TRAC COMMUNITY Restrictions	0.10%	$2,500	Learn More Add Review
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino Branch Restrictions	0.10%	$2,500	Learn More Add Review
VANTAGE Vantage Branch Restrictions	0.10%	$10,000	Learn More
FJM \| Jun 14, 2023 The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on ... Read More Reviews (1)
STALEY Staley Employees Branch Restrictions	0.10%	$2,500	Learn More Add Review
CORNERSTONE Cornerstone Branch Restrictions	0.10%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.10%	$2,500	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
ROCK VALLEY	0.10%	$2,500	Learn More Add Review
EATON FAMILY Eaton Family Branch Restrictions	0.10%	$2,500	Learn More Add Review
CREDIT UNION 1 Credit Union 1 Branch	0.10%	$25,000	Learn More Add Review
MEMBERS FIRST" COMMUNITY" Members "first" Branch	0.10%	$2,500	Learn More Add Review
GREAT LAKES Great Lakes Branch Restrictions	0.10% 0.05%	$10,000 $100	Learn More Add Review
COMMUNITY TRUST Community Trust Branch Restrictions	0.10%	$2,500	Learn More Add Review
MID-ILLINI Mid-illini Branch	0.10%	$2,500	Learn More Add Review
PRAIRIELAND Prairieland Branch Restrictions	0.10%	$1	Learn More Add Review
ELITE COMMUNITY Cognis Branch	0.10%	$2,500	Learn More Add Review
FIELDSTONE Armour Kankakee Branch Restrictions	0.10%	$2,500	Learn More Add Review
BLACKHAWK AREA Blackhawk Area Branch Restrictions	0.10%	$1	Learn More Add Review
KANE COUNTY TEACHERS Kane County Teachers Branch Restrictions	0.10%	$2,500	Learn More Add Review
COMMONWEALTH Commonwealth Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
I. H. MISSISSIPPI VALLEY I. H. Mississippi Va Branch Restrictions	0.10%	$2,500	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
HEALTHCARE ASSOCIATES Healthcare Associate Branch Restrictions	0.10%	$2,500	Learn More Add Review
GENFED FINANCIAL Centralia Office Branch	0.10%	$2,500	Learn More Add Review
KASKASKIA VALLEY Kaskaskia Valley Branch	0.10%	$2,500	Learn More Add Review
ILLIANA FINANCIAL Chicago Heights Branch Restrictions	0.10%	$2,500	Learn More Add Review
SELFRELIANCE Selfreliance Ukraini Branch Restrictions	0.10%	$2,500	Learn More Add Review
NUMARK Numark Branch Restrictions	0.10%	$100	Learn More Add Review
ABRI Argonne Branch Restrictions	0.10%	$2,500	Learn More Add Review
DUPAGE Dupage Branch Restrictions	0.10%	$25,000	Learn More Add Review
ILLINOIS COMMUNITY Illinois Community Branch Restrictions	0.10%	$2,500	Learn More Add Review
MIDWEST AMERICA Midwest America Branch Restrictions	0.10%	$2,500	Learn More Add Review
FIRST COMMUNITY CU OF BELOIT First Community Cu O Branch Restrictions	0.10%	$10,000	Learn More Add Review
PARTNERSHIP FINANCIAL Niles Township Schoo Branch Restrictions	0.10%	$2,500	Learn More Add Review
R.I.A. R.i.a. Branch Restrictions	0.10%	$2,500	Learn More Add Review
ASCENTRA Ascentra Branch Restrictions	0.10%	$2,500	Learn More Add Review
ARSENAL Arsenal Credit Union-st Clair County Branch Restrictions	0.10%	$2,500	Learn More Add Review
NEW CENTURY New Century Branch Restrictions	0.10%	$2,500	Learn More Add Review
TECH Tech Branch Restrictions	0.10%	$2,500	Learn More Add Review
SOUTH DIVISION South Division Branch Restrictions	0.10%	$25,000	Learn More Add Review
CENTRAL CREDIT UNION OF ILLINOIS Central Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
FIRST FINANCIAL S&c Electric Branch Restrictions	0.10%	$2,500	Learn More Add Review
ACME CONTINENTAL Acme Continental Branch Restrictions	0.10%	$2,500	Learn More Add Review
VERVE, A CREDIT UNION Restrictions	0.10%	$2,500	Learn More Add Review
PLANITES Planites Branch Restrictions	0.10%	$2,500	Learn More Add Review
METRO Metro Branch	0.10%	$10,000	Learn More Add Review
REDBRAND Redbrand Branch Restrictions	0.09%	$2,500	Learn More Add Review
COMMUNITY PLUS Community Plus Branch	0.08%	$2,500	Learn More Add Review
STALEY Staley Employees Branch Restrictions	0.08%	$2,500	Learn More Add Review
MEMBERSALLIANCE Members Alliance Branch Restrictions	0.08%	$10,000	Learn More Add Review
CENTRAL ILLINOIS Central Illinois Branch	0.07%	$2,500	Learn More Add Review
DUPAGE Dupage Branch Restrictions	0.07%	$10,000	Learn More Add Review
SOUTH DIVISION South Division Branch Restrictions	0.07%	$10,000	Learn More Add Review
REDBRAND Redbrand Branch Restrictions	0.06%	$2,500	Learn More Add Review
DECATUR EARTHMOVER Decatur Earthmover Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino Branch Restrictions	0.05%	$2,500	Learn More Add Review
VANTAGE Vantage Branch Restrictions	0.05%	$2,500	Learn More
FJM \| Jun 14, 2023 The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on ... Read More Reviews (1)
GCS Madison Branch Restrictions	0.05%	$2,500	Learn More
Ron Frauenfelder \| Jul 11, 2022 I had the good fortune to speak with Sara S., when I contacted the call center. She immediately took ownership of my request. She was very personable and professional. It was quite apparent to me that Sar... Read More Reviews (2)
SCOTT Scott Branch Restrictions	0.05%	$2,500	Learn More Add Review
1ST MIDAMERICA Olin Community Branch Restrictions	0.05%	$2,500	Learn More Add Review
CORNERSTONE Cornerstone Branch Restrictions	0.05%	$2,500	Learn More Add Review
FIRST COMMUNITY CU OF BELOIT First Community Cu O Branch Restrictions	0.05%	$2,500	Learn More Add Review
ADVIA Rockton Branch Restrictions	0.05%	$2,500	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
EATON FAMILY Eaton Family Branch Restrictions	0.05%	$2,500	Learn More Add Review
MEMBERSALLIANCE Members Alliance Branch Restrictions	0.05%	$2,500	Learn More Add Review
CREDIT UNION 1 Credit Union 1 Branch	0.05%	$2,500	Learn More Add Review
FIRST NORTHERN First Northern Branch Restrictions	0.05%	$2,500	Learn More Add Review
MEMBERS FIRST" COMMUNITY" Members "first" Branch	0.05%	$2,500	Learn More Add Review
MIDWEST MEMBERS	0.05%	$2,500	Learn More Add Review
COMMUNITY TRUST Community Trust Branch Restrictions	0.05%	$2,500	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
COMMONWEALTH Commonwealth Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
WESTERN ILLINOIS Western Illinois Branch	0.05%	$2,500	Learn More Add Review
EARTHMOVER Earthmover Branch Restrictions	0.05%	$2,500	Learn More Add Review
FINANCIAL PLUS Financial Plus Branch Restrictions	0.05%	$2,500	Learn More Add Review
CONSUMERS COOPERATIVE Consumers Cooperativ Branch Restrictions	0.05%	$2,500	Learn More Add Review
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.05%	$2,500	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
DUPAGE Dupage Branch Restrictions	0.05%	$2,500	Learn More Add Review
ILLINOIS COMMUNITY Illinois Community Branch Restrictions	0.05%	$2,500	Learn More Add Review
VIBRANT Dhcu Community Branch Restrictions	0.05%	$2,500	Learn More
donnasspicer \| Apr 24, 2023 No they don’t have deposit as a function. Read More Reviews (2)
CORPORATE AMERICA FAMILY Corporate America Fa Branch Restrictions	0.05%	$0	Learn More Add Review
ANDIGO Motorola Emp. Branch Restrictions	0.05%	$2,500	Learn More Add Review
ASCENTRA Ascentra Branch Restrictions	0.05%	$2,500	Learn More Add Review
SOUTH DIVISION South Division Branch Restrictions	0.05%	$2,500	Learn More Add Review
CENTRAL CREDIT UNION OF ILLINOIS Central Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITED United Branch Restrictions	0.05%	$2,500	Learn More Add Review
MAROON FINANCIAL Maroon Financial Branch	0.05%	$2,500	Learn More Add Review
MIDWEST COALITION OF LABOR Midwest Operating En Branch Restrictions	0.05%	$2,500	Learn More Add Review
METRO Metro Branch	0.05%	$2,500	Learn More Add Review
CHICAGO PATROLMEN'S Chicago Patrolmen's Branch Restrictions	0.03%	$2,500	Learn More Add Review
HERITAGE Heritage Branch Restrictions	0.02%	$2,500	Learn More Add Review
UNITED United Branch Restrictions	0.02%	$2,500	Learn More Add Review
MIDWEST COALITION OF LABOR Midwest Operating En Branch Restrictions	0.02%	$2,500	Learn More Add Review
CONNEXUS Burr Ridge Office Branch Restrictions	0.02%	$100	Learn More
Rate History: 0.25% → 0.10% → 0.02% → 0.02%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
SOUTH DIVISION South Division Branch Restrictions	0.02%	$2,500	Learn More Add Review
CREDIT UNION 1 Credit Union 1 Branch	0.01%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review
POLISH & SLAVIC Polish & Slavic Branch Restrictions	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

Branches Info across Illinois

Branch	Street	City	State
STATE FARM Illinois Illinois Branch	2702 Ireland Grove Rd	Bloomington	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
SELF-HELP Little Village Little Village Branch	3960 W 26th St	Chicago	IL
FIRST COMMUNITY Belleville Belleville Branch	2601 Green Mount Commons Dr	Belleville	IL
ALLIANT Alliant Alliant Branch	11545 West Touhy Ave	Chicago	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
FIRST COMMUNITY Belleville Belleville Branch	2601 Green Mount Commons Dr	Belleville	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
FIRST COMMUNITY Belleville Belleville Branch	2601 Green Mount Commons Dr	Belleville	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
AMERICAN AIRLINES American Airlines American Airlines Branch	O'Hare International Airport, 5600 N. Mannheim Rd.	Chicago	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
NORTHROP GRUMMAN Northrop Grumman Northrop Grumman Branch	600 Hicks Road	Rolling Meadows	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
EDUCATION PERSONNEL Education Personnel Education Personnel Branch	1102 North Walnut	Danville	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
CITIZENS EQUITY FIRST East Peoria Member Center East Peoria Member Center Branch	501 Richland St	East Peoria	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
ILLINOIS STATE 1408 Airport Road 1408 Airport Road Branch	1408 Airport Rd	Bloomington	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
R.I.A. R.i.a. R.i.a. Branch	110 10th Ave E	Milan	IL
COOPERATIVE CHOICE NETWORK Members Choice Members Choice Branch	3919 N UNIVERSITY STREET	PEORIA	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
GAS AND ELECTRIC Gas And Electric Gas And Electric Branch	2300 4TH AVENUE	ROCK ISLAND	IL
ENCURAGE FINANCIAL NETWORK S&c Electric S&c Electric Branch	6601 N RIDGE BLVD BLDG 1	CHICAGO	IL
DUPACO COMMUNITY Dupaco Community Dupaco Community Branch	11375 Oldenburg Lane	Galena	IL
UNITED COMMUNITY United Community United Community Branch	1001 Vermont	Quincy	IL
A.A.E.C. A.a.e.c. A.a.e.c. Branch	115 South Wilke Road, Suite 106	Arlington Heigh	IL
ILLINOIS STATE 1408 Airport Road 1408 Airport Road Branch	1408 Airport Rd	Bloomington	IL
UNITED COMMUNITY United Community United Community Branch	1001 Vermont	Quincy	IL
I. H. MISSISSIPPI VALLEY I. H. Mississippi Va I. H. Mississippi Va Branch	2121 - 47TH STREET	MOLINE	IL
EDUCATION PERSONNEL Education Personnel Education Personnel Branch	1102 North Walnut	Danville	IL
ABRI Argonne Argonne Branch	1350 West Renwick Road	Romeoville	IL
GAS AND ELECTRIC Gas And Electric Gas And Electric Branch	2300 4TH AVENUE	ROCK ISLAND	IL
1ST MIDAMERICA Olin Community Olin Community Branch	731 East Bethalto Drive	Bethalto	IL
UNITED COMMUNITY United Community United Community Branch	1001 Vermont	Quincy	IL
COOPERATIVE CHOICE NETWORK Members Choice Members Choice Branch	3919 N UNIVERSITY STREET	PEORIA	IL
GREAT LAKES Great Lakes Great Lakes Branch	2525 Green Bay Rd	North Chicago	IL
SELFRELIANCE Selfreliance Ukraini Selfreliance Ukraini Branch	2332 W. Chicago Ave	Chicago	IL
1ST GATEWAY 1st Gateway 1st Gateway Branch	415 10th Av	Fulton	IL
ENCURAGE FINANCIAL NETWORK S&c Electric S&c Electric Branch	6601 N RIDGE BLVD BLDG 1	CHICAGO	IL
CTA SOUTH Cta South Cta South Branch	7701 S. Vincennes Ave.	Chicago	IL
CHICAGO FIREFIGHTER'S Chicago Firefighter' Chicago Firefighter' Branch	6230 S Central Ave	Chicago	IL
CHICAGO'S BRAVEST Chicago Fire Officer Chicago Fire Officer Branch	10231 S Western Ave., Floor 2	Chicago	IL
ABRI Argonne Argonne Branch	1350 West Renwick Road	Romeoville	IL
LANDMARK Danville Office Danville Office Branch	506 W Fairchild St	Danville	IL
1ST MIDAMERICA Olin Community Olin Community Branch	731 East Bethalto Drive	Bethalto	IL
IAA Iaa Credit Union Main Branch Iaa Credit Union Main Branch	808 Iaa Dr	Bloomington	IL
COOPERATIVE CHOICE NETWORK Members Choice Members Choice Branch	3919 N UNIVERSITY STREET	PEORIA	IL
1ST GATEWAY 1st Gateway 1st Gateway Branch	415 10th Av	Fulton	IL
ABRI Argonne Argonne Branch	1350 West Renwick Road	Romeoville	IL
SERVICE PLUS Service Plus Service Plus Branch	2110 53rd Street	Moline	IL
TECH Tech Tech Branch	1011 River Oaks Dr	Calumet City	IL
GAS AND ELECTRIC Gas And Electric Gas And Electric Branch	2300 4TH AVENUE	ROCK ISLAND	IL
COMMUNITY PLUS Community Plus Community Plus Branch	526 E Champaign Avenue	Rantoul	IL
REVITY Madison Branch Madison Branch	1833 3rd St	Madison	IL
DUPACO COMMUNITY Dupaco Community Dupaco Community Branch	11375 Oldenburg Lane	Galena	IL
1ST MIDAMERICA Olin Community Olin Community Branch	731 East Bethalto Drive	Bethalto	IL
ADVIA Rockton Rockton Branch	769 N Blackhawk Blvd	Rockton	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
BLAW-KNOX Blaw-knox Blaw-knox Branch	215 South 17th Street	Mattoon	IL
SIU Siu Siu Branch	395 N Giant City Road	Carbondale	IL
THE FAMILY The Family The Family Branch	1600 John Deere Road	Silvis	IL
CATHOLIC & COMMUNITY Catholic & Community Catholic & Community Branch	1109 Hartman Ln	Shiloh	IL
NORTHROP GRUMMAN Northrop Grumman Northrop Grumman Branch	600 Hicks Road	Rolling Meadows	IL
CTA-74TH STREET DEPOT 74th Street Depot 74th Street Depot Branch	1815 W. 74TH STREET	CHICAGO	IL
REVITY Madison Branch Madison Branch	1833 3rd St	Madison	IL
SCOTT Scott Scott Branch	1100 Beltline Road	Collinsville	IL
THE CREDIT UNION FOR ALL Mid-illini Mid-illini Branch	1811 EASTLAND DRIVE	BLOOMINGTON	IL
FIRST NORTHERN First Northern First Northern Branch	230 W. Monroe St, Suite 2850	Chicago	IL
VIBRANT Dhcu Community Dhcu Community Branch	1900 52ND AVENUE	MOLINE	IL
SIU Siu Siu Branch	395 N Giant City Road	Carbondale	IL
STREATOR ONIZED Streator Onized Streator Onized Branch	912 N Shabbona St	Streator	IL
ILLIANA FINANCIAL Chicago Heights Chicago Heights Branch	1030 Chicago Rd	Chicago Heights	IL
CATHOLIC & COMMUNITY Catholic & Community Catholic & Community Branch	1109 Hartman Ln	Shiloh	IL
NATIONAL POLICE Chicago Patrolmen's Chicago Patrolmen's Branch	1407 W. Washington	Chicago	IL
MAROON FINANCIAL Maroon Financial Maroon Financial Branch	5801 S Ellis Ave, Suite 5	Chicago	IL
SERVICE PLUS Service Plus Service Plus Branch	2110 53rd Street	Moline	IL
LAND OF LINCOLN Land Of Lincoln Land Of Lincoln Branch	3130 E Mound Rd	Decatur	IL
SCOTT Scott Scott Branch	1100 Beltline Road	Collinsville	IL
R.I.A. R.i.a. R.i.a. Branch	110 10th Ave E	Milan	IL
IAA Iaa Credit Union Main Branch Iaa Credit Union Main Branch	808 Iaa Dr	Bloomington	IL
ADVIA Rockton Rockton Branch	769 N Blackhawk Blvd	Rockton	IL
ILLINOIS STATE 1408 Airport Road 1408 Airport Road Branch	1408 Airport Rd	Bloomington	IL
SELF-HELP Little Village Little Village Branch	3960 W 26th St	Chicago	IL
EATON FAMILY Eaton Family Eaton Family Branch	1725 1200TH AVE	Lincoln	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
STREATOR ONIZED Streator Onized Streator Onized Branch	912 N Shabbona St	Streator	IL
ILLIANA FINANCIAL Chicago Heights Chicago Heights Branch	1030 Chicago Rd	Chicago Heights	IL
THE FAMILY The Family The Family Branch	1600 John Deere Road	Silvis	IL
ARSENAL Arsenal Credit Union-st Clair County Branch Arsenal Credit Union-st Clair County Branch	4384 N Illinois St	Swansea	IL
HEARTLAND Heartland Heartland Branch	2213 West White Oaks Drive	Springfield	IL
VICINITY United United Branch	4444 S. Pulaski Rd	Chicago	IL
ACME CONTINENTAL Acme Continental Acme Continental Branch	13601 S. Perry Ave	Riverdale	IL
LAND OF LINCOLN Land Of Lincoln Land Of Lincoln Branch	3130 E Mound Rd	Decatur	IL
NORTHWEST MUNICIPAL Northwest Municipal Northwest Municipal Branch	1420 Miner St, Room 405	Des Plaines	IL
GAS AND ELECTRIC Gas And Electric Gas And Electric Branch	2300 4TH AVENUE	ROCK ISLAND	IL
LAND OF LINCOLN Land Of Lincoln Land Of Lincoln Branch	3130 E Mound Rd	Decatur	IL
MOLINE MUNICIPAL Moline Municipal Moline Municipal Branch	1618 - 15th St.	Moline	IL
COMMUNITY PLUS Community Plus Community Plus Branch	526 E Champaign Avenue	Rantoul	IL
FIRST COMMUNITY Belleville Belleville Branch	2601 Green Mount Commons Dr	Belleville	IL
DUPACO COMMUNITY Dupaco Community Dupaco Community Branch	11375 Oldenburg Lane	Galena	IL
ADM Adm Adm Branch	3735 E. Williams Street Road	Decatur	IL
IAA Iaa Credit Union Main Branch Iaa Credit Union Main Branch	808 Iaa Dr	Bloomington	IL
THE CREDIT UNION FOR ALL Mid-illini Mid-illini Branch	1811 EASTLAND DRIVE	BLOOMINGTON	IL
PRAIRIELAND Prairieland Prairieland Branch	416 kays drive	normal	IL
EATON FAMILY Eaton Family Eaton Family Branch	1725 1200TH AVE	Lincoln	IL
STREATOR COMMUNITY Streator Community Streator Community Branch	302 N Park Street	Streator	IL
HEALTHCARE ASSOCIATES Healthcare Associate Healthcare Associate Branch	1151 E Warrenville Road	Naperville	IL
SIU Siu Siu Branch	395 N Giant City Road	Carbondale	IL
STREATOR ONIZED Streator Onized Streator Onized Branch	912 N Shabbona St	Streator	IL
ANDIGO Motorola Emp. Motorola Emp. Branch	1205 E. Algonquin Road	Schaumburg	IL
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	263 Shuman Blvd. Suite 1W500	Naperville	IL
ILLINOIS COMMUNITY Illinois Community Illinois Community Branch	508 WEST STATE STREET	SYCAMORE	IL
EARTHMOVER Earthmover Earthmover Branch	2195 Baseline Road	Oswego	IL
SERVICE PLUS Service Plus Service Plus Branch	2110 53rd Street	Moline	IL
CONSUMERS Consumers Cooperativ Consumers Cooperativ Branch	2750 Washington St	Waukegan	IL
ASCENTRA Ascentra Ascentra Branch	3005 7th Street	Moline	IL
ARSENAL Arsenal Credit Union-st Clair County Branch Arsenal Credit Union-st Clair County Branch	4384 N Illinois St	Swansea	IL
GATEWAY METRO Gateway Metro Gateway Metro Branch	2693 North Illinios Street	Swansea	IL
TECH Tech Tech Branch	1011 River Oaks Dr	Calumet City	IL
NATIONAL POLICE Chicago Patrolmen's Chicago Patrolmen's Branch	1407 W. Washington	Chicago	IL
ACME CONTINENTAL Acme Continental Acme Continental Branch	13601 S. Perry Ave	Riverdale	IL
WESTERN SPRINGS Western Springs Western Springs Branch	810 Hillgrove Ave.	Western Springs	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Naval Training Center, Bldg. 290, 525 Clark Ave	Great Lakes	IL
MIDWEST AMERICA Midwest America Midwest America Branch	1460 E Street	Charleston	IL
SIU Siu Siu Branch	395 N Giant City Road	Carbondale	IL
CORNERSTONE Cornerstone Cornerstone Branch	550 West Meadows Drive	Freeport	IL
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino University Of Illino Branch	2201 S First St	Champaign	IL
VANTAGE Vantage Vantage Branch	13 Collinsville Ave	East Saint Louis	IL
DUPACO COMMUNITY Dupaco Community Dupaco Community Branch	11375 Oldenburg Lane	Galena	IL
STALEY Staley Employees Staley Employees Branch	3330 N. Woodford St.	Decatur	IL
IAA Iaa Credit Union Main Branch Iaa Credit Union Main Branch	808 Iaa Dr	Bloomington	IL
PARDA Parda Parda Branch	5500 Forest Hills Road	Loves Park	IL
ADVIA Rockton Rockton Branch	769 N Blackhawk Blvd	Rockton	IL
ILLINOIS STATE 1408 Airport Road 1408 Airport Road Branch	1408 Airport Rd	Bloomington	IL
COMMUNITY TRUST Community Trust Community Trust Branch	1313 Skokie Hwy	Gurnee	IL
BLACKHAWK AREA Blackhawk Area Blackhawk Area Branch	214 Main Street	Savanna	IL
KANE COUNTY TEACHERS Kane County Teachers Kane County Teachers Branch	111 S Hawthorne St	Elgin	IL
R.I.A. R.i.a. R.i.a. Branch	110 10th Ave E	Milan	IL
ILLIANA FINANCIAL Chicago Heights Chicago Heights Branch	1030 Chicago Rd	Chicago Heights	IL
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	263 Shuman Blvd. Suite 1W500	Naperville	IL
ASCENTRA Ascentra Ascentra Branch	3005 7th Street	Moline	IL
THE FAMILY The Family The Family Branch	1600 John Deere Road	Silvis	IL
CATHOLIC & COMMUNITY Catholic & Community Catholic & Community Branch	1109 Hartman Ln	Shiloh	IL
HEARTLAND Heartland Heartland Branch	2213 West White Oaks Drive	Springfield	IL
LANDMARK Danville Office Danville Office Branch	506 W Fairchild St	Danville	IL
1ST GATEWAY 1st Gateway 1st Gateway Branch	415 10th Av	Fulton	IL
NUMARK Numark Numark Branch	1654 Terry Dr	Joliet	IL
NEW CENTURY New Century New Century Branch	971 N. Collins Street	Joliet	IL
ACME CONTINENTAL Acme Continental Acme Continental Branch	13601 S. Perry Ave	Riverdale	IL
MIDWEST AMERICA Midwest America Midwest America Branch	1460 E Street	Charleston	IL
DECATUR EARTHMOVER Decatur Earthmover Decatur Earthmover Branch	260 W Marion Ave	Forsyth	IL
KEMBA PEORIA Kemba Peoria Kemba Peoria Branch	2318 W WILLOW KNOLLS DR	PEORIA	IL
STALEY Staley Employees Staley Employees Branch	3330 N. Woodford St.	Decatur	IL
GALE Gale Gale Branch	631 N. Henderson Street	Galesburg	IL
PRAIRIELAND Prairieland Prairieland Branch	416 kays drive	normal	IL
CORNERSTONE Cornerstone Cornerstone Branch	550 West Meadows Drive	Freeport	IL
FIRST COMMUNITY CU OF BELOIT First Community Cu O First Community Cu O Branch	1405 W Lane Rd	Machesney Park	IL
PARDA Parda Parda Branch	5500 Forest Hills Road	Loves Park	IL
ROCKFORD BELL Rockford Bell Rockford Bell Branch	4225 PERRYVILLE RD.	LOVES PARK	IL
OTTAWA HIWAY Ottawa Hiway Ottawa Hiway Branch	700 East Norris Drive	Ottawa	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
FIRST NORTHERN First Northern First Northern Branch	230 W. Monroe St, Suite 2850	Chicago	IL
CONSUMERS Consumers Cooperativ Consumers Cooperativ Branch	2750 Washington St	Waukegan	IL
RIVERSIDE COMMUNITY Riverside Community Riverside Community Branch	185 N Fraser Ave	Kankakee	IL
EARTHMOVER Earthmover Earthmover Branch	2195 Baseline Road	Oswego	IL
FINANCIAL PLUS Financial Plus Financial Plus Branch	800 Chestnut St.	Ottawa	IL
NUMARK Numark Numark Branch	1654 Terry Dr	Joliet	IL
ANDIGO Motorola Emp. Motorola Emp. Branch	1205 E. Algonquin Road	Schaumburg	IL
SELFRELIANCE Selfreliance Ukraini Selfreliance Ukraini Branch	2332 W. Chicago Ave	Chicago	IL
ILLINOIS COMMUNITY Illinois Community Illinois Community Branch	508 WEST STATE STREET	SYCAMORE	IL
TAYLORVILLE COMMUNITY Taylorville Communit Taylorville Communit Branch	422 W Main Cross St.	Taylorville	IL
GATEWAY METRO Gateway Metro Gateway Metro Branch	2693 North Illinios Street	Swansea	IL
NEW CENTURY New Century New Century Branch	971 N. Collins Street	Joliet	IL
DISTRICT 123 District 123 District 123 Branch	4201 W 93rd Street	Oak Lawn	IL
ARCHER HEIGHTS Archer Heights Archer Heights Branch	6554 W Archer Ave	Chicago	IL
MAROON FINANCIAL Maroon Financial Maroon Financial Branch	5801 S Ellis Ave, Suite 5	Chicago	IL
METRO Metro Metro Branch	2440 E Rand Road	Arlington Heigh	IL
MEMBERSALLIANCE Members Alliance Members Alliance Branch	2550 S Alpine	Rockford	IL
KANE COUNTY TEACHERS Kane County Teachers Kane County Teachers Branch	111 S Hawthorne St	Elgin	IL
GENFED FINANCIAL Centralia Office Centralia Office Branch	903 S ELM ST	Centralia	IL
DECATUR EARTHMOVER Decatur Earthmover Decatur Earthmover Branch	260 W Marion Ave	Forsyth	IL
LAND OF LINCOLN Land Of Lincoln Land Of Lincoln Branch	3130 E Mound Rd	Decatur	IL
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino University Of Illino Branch	2201 S First St	Champaign	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
VANTAGE Vantage Vantage Branch	13 Collinsville Ave	East Saint Louis	IL
STALEY Staley Employees Staley Employees Branch	3330 N. Woodford St.	Decatur	IL
CORNERSTONE Cornerstone Cornerstone Branch	550 West Meadows Drive	Freeport	IL
PARDA Parda Parda Branch	5500 Forest Hills Road	Loves Park	IL
EATON FAMILY Eaton Family Eaton Family Branch	1725 1200TH AVE	Lincoln	IL
CREDIT UNION 1 Credit Union 1 Credit Union 1 Branch	200 E. Champaign Ave.	Rantoul	IL
MEMBERS "FIRST" COMMUNITY Members "first" Members "first" Branch	1201 NORTH 24TH	QUINCY	IL
GREAT LAKES Great Lakes Great Lakes Branch	2525 Green Bay Rd	North Chicago	IL
COMMUNITY TRUST Community Trust Community Trust Branch	1313 Skokie Hwy	Gurnee	IL
THE CREDIT UNION FOR ALL Mid-illini Mid-illini Branch	1811 EASTLAND DRIVE	BLOOMINGTON	IL
PRAIRIELAND Prairieland Prairieland Branch	416 kays drive	normal	IL
ELITE COMMUNITY Cognis Cognis Branch	2525 S. Kensington Road	Kankakee	IL
FIELDSTONE Armour Kankakee Armour Kankakee Branch	395 N Kinzie Ave	Bradley	IL
BLACKHAWK AREA Blackhawk Area Blackhawk Area Branch	214 Main Street	Savanna	IL
KANE COUNTY TEACHERS Kane County Teachers Kane County Teachers Branch	111 S Hawthorne St	Elgin	IL
COMMONWEALTH Commonwealth Credit Union Commonwealth Credit Union Branch	563 William R Latham Sr Dr	Bourbonnais	IL
I. H. MISSISSIPPI VALLEY I. H. Mississippi Va I. H. Mississippi Va Branch	2121 - 47TH STREET	MOLINE	IL
HEALTHCARE ASSOCIATES Healthcare Associate Healthcare Associate Branch	1151 E Warrenville Road	Naperville	IL
GENFED FINANCIAL Centralia Office Centralia Office Branch	903 S ELM ST	Centralia	IL
KASKASKIA VALLEY Kaskaskia Valley Kaskaskia Valley Branch	401 S Poplar St	Centralia	IL
ILLIANA FINANCIAL Chicago Heights Chicago Heights Branch	1030 Chicago Rd	Chicago Heights	IL
SELFRELIANCE Selfreliance Ukraini Selfreliance Ukraini Branch	2332 W. Chicago Ave	Chicago	IL
NUMARK Numark Numark Branch	1654 Terry Dr	Joliet	IL
ABRI Argonne Argonne Branch	1350 West Renwick Road	Romeoville	IL
DUPAGE Dupage Dupage Branch	1515 Bond Street	Naperville	IL
ILLINOIS COMMUNITY Illinois Community Illinois Community Branch	508 WEST STATE STREET	SYCAMORE	IL
MIDWEST AMERICA Midwest America Midwest America Branch	1460 E Street	Charleston	IL
FIRST COMMUNITY CU OF BELOIT First Community Cu O First Community Cu O Branch	1405 W Lane Rd	Machesney Park	IL
PARTNERSHIP FINANCIAL Niles Township Schoo Niles Township Schoo Branch	5940 LINCOLN	MORTON GROVE	IL
R.I.A. R.i.a. R.i.a. Branch	110 10th Ave E	Milan	IL
ASCENTRA Ascentra Ascentra Branch	3005 7th Street	Moline	IL
ARSENAL Arsenal Credit Union-st Clair County Branch Arsenal Credit Union-st Clair County Branch	4384 N Illinois St	Swansea	IL
NEW CENTURY New Century New Century Branch	971 N. Collins Street	Joliet	IL
TECH Tech Tech Branch	1011 River Oaks Dr	Calumet City	IL
SOUTH DIVISION South Division South Division Branch	9122 S. Kedzie	Evergreen Park	IL
CENTRAL CREDIT UNION OF ILLINOIS Central Credit Union Central Credit Union Branch	1001 Mannheim Rd	Bellwood	IL
ENCURAGE FINANCIAL NETWORK S&c Electric S&c Electric Branch	6601 N RIDGE BLVD BLDG 1	CHICAGO	IL
SELF-HELP Little Village Little Village Branch	3960 W 26th St	Chicago	IL
ACME CONTINENTAL Acme Continental Acme Continental Branch	13601 S. Perry Ave	Riverdale	IL
PLANITES Planites Planites Branch	300 E Randolph, 14th Floor	Chicago	IL
METRO Metro Metro Branch	2440 E Rand Road	Arlington Heigh	IL
REDBRAND Redbrand Redbrand Branch	820 MCKINLEY AVE	BARTONVILLE	IL
COMMUNITY PLUS Community Plus Community Plus Branch	526 E Champaign Avenue	Rantoul	IL
STALEY Staley Employees Staley Employees Branch	3330 N. Woodford St.	Decatur	IL
MEMBERSALLIANCE Members Alliance Members Alliance Branch	2550 S Alpine	Rockford	IL
CENTRAL ILLINOIS Central Illinois Central Illinois Branch	2106 w john st	champaign	IL
DUPAGE Dupage Dupage Branch	1515 Bond Street	Naperville	IL
SOUTH DIVISION South Division South Division Branch	9122 S. Kedzie	Evergreen Park	IL
REDBRAND Redbrand Redbrand Branch	820 MCKINLEY AVE	BARTONVILLE	IL
DECATUR EARTHMOVER Decatur Earthmover Decatur Earthmover Branch	260 W Marion Ave	Forsyth	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
UNIVERSITY OF ILLINOIS COMMUNITY University Of Illino University Of Illino Branch	2201 S First St	Champaign	IL
VANTAGE Vantage Vantage Branch	13 Collinsville Ave	East Saint Louis	IL
REVITY Madison Branch Madison Branch	1833 3rd St	Madison	IL
SCOTT Scott Scott Branch	1100 Beltline Road	Collinsville	IL
1ST MIDAMERICA Olin Community Olin Community Branch	731 East Bethalto Drive	Bethalto	IL
CORNERSTONE Cornerstone Cornerstone Branch	550 West Meadows Drive	Freeport	IL
FIRST COMMUNITY CU OF BELOIT First Community Cu O First Community Cu O Branch	1405 W Lane Rd	Machesney Park	IL
ADVIA Rockton Rockton Branch	769 N Blackhawk Blvd	Rockton	IL
EATON FAMILY Eaton Family Eaton Family Branch	1725 1200TH AVE	Lincoln	IL
MEMBERSALLIANCE Members Alliance Members Alliance Branch	2550 S Alpine	Rockford	IL
CREDIT UNION 1 Credit Union 1 Credit Union 1 Branch	200 E. Champaign Ave.	Rantoul	IL
FIRST NORTHERN First Northern First Northern Branch	230 W. Monroe St, Suite 2850	Chicago	IL
MEMBERS "FIRST" COMMUNITY Members "first" Members "first" Branch	1201 NORTH 24TH	QUINCY	IL
GREAT LAKES Great Lakes Great Lakes Branch	2525 Green Bay Rd	North Chicago	IL
COMMUNITY TRUST Community Trust Community Trust Branch	1313 Skokie Hwy	Gurnee	IL
COMMONWEALTH Commonwealth Credit Union Commonwealth Credit Union Branch	563 William R Latham Sr Dr	Bourbonnais	IL
WESTERN ILLINOIS Western Illinois Western Illinois Branch	322 W University Dr	Macomb	IL
EARTHMOVER Earthmover Earthmover Branch	2195 Baseline Road	Oswego	IL
FINANCIAL PLUS Financial Plus Financial Plus Branch	800 Chestnut St.	Ottawa	IL
CONSUMERS Consumers Cooperativ Consumers Cooperativ Branch	2750 Washington St	Waukegan	IL
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	263 Shuman Blvd. Suite 1W500	Naperville	IL
PARDA Parda Parda Branch	5500 Forest Hills Road	Loves Park	IL
DUPAGE Dupage Dupage Branch	1515 Bond Street	Naperville	IL
ILLINOIS COMMUNITY Illinois Community Illinois Community Branch	508 WEST STATE STREET	SYCAMORE	IL
VIBRANT Dhcu Community Dhcu Community Branch	1900 52ND AVENUE	MOLINE	IL
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	2075 Big Timber Road	Elgin	IL
ANDIGO Motorola Emp. Motorola Emp. Branch	1205 E. Algonquin Road	Schaumburg	IL
ASCENTRA Ascentra Ascentra Branch	3005 7th Street	Moline	IL
SOUTH DIVISION South Division South Division Branch	9122 S. Kedzie	Evergreen Park	IL
CENTRAL CREDIT UNION OF ILLINOIS Central Credit Union Central Credit Union Branch	1001 Mannheim Rd	Bellwood	IL
VICINITY United United Branch	4444 S. Pulaski Rd	Chicago	IL
MAROON FINANCIAL Maroon Financial Maroon Financial Branch	5801 S Ellis Ave, Suite 5	Chicago	IL
MIDWEST COALITION OF LABOR Midwest Operating En Midwest Operating En Branch	6240 Joliet Rd	Countryside	IL
METRO Metro Metro Branch	2440 E Rand Road	Arlington Heigh	IL
NATIONAL POLICE Chicago Patrolmen's Chicago Patrolmen's Branch	1407 W. Washington	Chicago	IL
HERITAGE Heritage Heritage Branch	HERITAGE CREDIT UNION, 1980 NATIONAL BOULEVARD	GALESBURG	IL
VICINITY United United Branch	4444 S. Pulaski Rd	Chicago	IL
MIDWEST COALITION OF LABOR Midwest Operating En Midwest Operating En Branch	6240 Joliet Rd	Countryside	IL
CONNEXUS Burr Ridge Office Burr Ridge Office Branch	16W345 83rd St Ste A	Burr Ridge	IL
SOUTH DIVISION South Division South Division Branch	9122 S. Kedzie	Evergreen Park	IL
BAXTER Crystal Lake Crystal Lake Branch	415 S Main St	Crystal Lake	IL
CREDIT UNION 1 Credit Union 1 Credit Union 1 Branch	200 E. Champaign Ave.	Rantoul	IL
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	1044 Mount Prospect Plz	Mount Prospect	IL
GREAT LAKES Great Lakes Great Lakes Branch	2525 Green Bay Rd	North Chicago	IL

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.