Credit Union 1 (IL)

Overview / Commentary
200 E Champaign Ave
Rantoul, IL 61866

Credit Union 1 (IL) is headquartered in Rantoul and is the 9th largest credit union in the state of Illinois. It is also the 278th largest credit union in the nation. It was established in 1958 and as of December of 2023, it had grown to 329 employees and 125,000 members at 18 locations. Credit Union 1 (IL)'s savings rates are 6X the national average, and it has a B+ health rating.

Reviews (1)

Hard Pull On All Membership Applicants

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Asked about this derogation and it was confirmed. Even for savings-only applicants. Hard pull stays on the credit report for 24 months, reducing credit scores and sometimes preventing other depository institutions from issuing their credit card.


Health Grade Components

NCUA #68727
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD7.42%
Annual Interest Income$70.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.7B$1.59B
LoansQ4 2023vs Q4 2022$1.2B$1.34B
DepositsQ4 2023vs Q4 2022$1.44B$1.34B
Equity CapitalQ4 2023vs Q4 2022$132.9MM$130.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$12.8MM$6.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$16.3MM$11.2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Credit Union 1 (IL); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Union 1 (IL) Savings Account Rates

3.30%$1-High Yield Savings - New Money
0.01%--IRA Savings
0.01%$5-Primary Savings
0.01%--Roth IRA Savings
0.01%--CESA Savings
0.01%--Secondary Savings
0.01%--Vacation Club
0.01%--Christmas Clubs
0.01%$5-Business Primary Savings

Credit Union 1 (IL) Money Market Rates

0.40%*$250k*-Money Market Deposit Account
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.20% $50k - $100k | 0.30% $100k - $250k
0.40%*$250k*-Business Money Market
OTHER TIERS: 0.05% $5k - $25k | 0.10% $25k - $50k | 0.20% $50k - $100k | 0.30% $100k - $250k

Credit Union 1 (IL) Checking Account Rates

5.25%*-$10kHigh Yield Checking
OTHER TIERS: 0.01% $10k+
0.01%--Express Plus Checking Account
0.01%--Express Premium Plus Checking Account
0.01%--Business Elite Checking
0.01%--Business Performance Checking

Credit Union 1 (IL) CD Rates

4.00%$1k$10k12 Month CD
4.00%$10k-12 Month CD Plus
4.00%$1k-Business 12 Month CD
4.00%$10k-Business 12 Month CD Plus
3.75%$1k$10k24 Month CD
3.75%$1k$10k36 Month CD
3.75%$10k-24 Month CD Plus
3.75%$10k-36 Month CD Plus
3.75%$1k-Business 24 Month CD
3.75%$1k-Business 36 Month CD
3.75%$10k-Business 24 Month CD Plus
3.75%$10k-Business 36 Month CD Plus
3.50%$1k$10k48 Month CD
3.50%$1k$10k60 Month CD
3.50%$10k-48 Month CD Plus
3.50%$1k-Business 48 Month CD
3.50%$1k-Business 60 Month CD
3.50%$10k-Business 48 Month CD Plus
3.00%$10k-60 Month CD Plus
3.00%$10k-Business 60 Month CD Plus
2.00%$1k$10k6 Month CD
2.00%$10k-6 Month CD Plus
2.00%$1k-Business 6 Month CD
2.00%$10k-Business 6 Month CD Plus

Credit Union 1 (IL) IRA Rates

4.00%$1k$10k12 Month IRA
4.00%$10k-12 Month IRA Plus
3.75%$1k$10k24 Month IRA
3.75%$10k-24 Month IRA Plus
3.75%$1k$10k36 Month IRA
3.75%$10k-36 Month IRA Plus
3.50%$1k$10k48 Month IRA
3.50%$10k-48 Month IRA Plus
3.50%$1k$10k60 Month IRA
3.50%$10k-60 Month IRA Plus
2.00%$1k$10k6 Month IRA
2.00%$10k-6 Month IRA Plus


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