Kaskaskia Valley Community Credit Union

Overview / Commentary
401 S Poplar St
Centralia, IL 62801

Kaskaskia Valley Community Credit Union is headquartered in Centralia and is the 97th largest credit union in the state of Illinois. It is also the 3,058th largest credit union in the nation. It was established in 1982 and as of December of 2023, it had grown to 8 employees and 3,572 members at 3 locations. Kaskaskia Valley Community Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Kaskaskia Valley Community Credit Union is open to anyone who lives or works in Clinton, Jefferson, Marion or Washington counties in Illinois, or has family with an established credit union membership.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Kaskaskia Valley Community Credit Union has a low asset base.

Health Grade Components

NCUA #65988
Year Chartered1982
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD13.1%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$26.7MM$26.6MM
LoansQ4 2023vs Q4 2022$16.5MM$14.7MM
DepositsQ4 2023vs Q4 2022$23.9MM$24.4MM
Equity CapitalQ4 2023vs Q4 2022$2.4MM$2.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$112K$60K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$200K$59K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Kaskaskia Valley Community Credit Union Savings Account Rates

0.30%--Christmas Club – October
0.30%--President's Club – January
0.30%--Groundhog Club – February
0.30%--Spring Club – March
0.30%--Vacation Club – April
0.30%--May Club – May
0.30%--Summer Club – June
0.30%--Back to School Club – July
0.30%--Real Estate Tax Club – August
0.30%--Hunt Club – September
0.30%--Turkey Club – November
0.30%--New Years Club – December
0.25%--Share Savings Account

Kaskaskia Valley Community Credit Union Checking Account Rates

0.02%--Preferred Checking Account

Kaskaskia Valley Community Credit Union CD Rates

4.00%$1k-9 Month Certificate Special
1.00%$1k-1 Year Certificate
0.75%$1k-6 Month Certificate

Kaskaskia Valley Community Credit Union Locations
Branch Office401 S Poplar StCentralia, IL 62801
Branch Office1404 W Main StSalem, IL 62881-3804
Branch Office3100 Broadway StMount Vernon, IL 62864-2339

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