Land Of Lincoln Credit Union


Overview / Commentary
217-864-3030
4850 E Prosperity Place
Decatur, IL 62521

Land Of Lincoln Credit Union is headquartered in Decatur and is the 30th largest credit union in the state of Illinois. It is also the 876th largest credit union in the nation. It was established in 1947 and as of December of 2021, it had grown to 116 employees and 34,055 members at 12 locations. Land Of Lincoln Credit Union has an A health rating.

Field of Membership Restrictions

Land of Lincoln Credit Union offers membership to those are affliated with United Methodist and employeed by one of their Premier Partner Businesses. Additonally anyone who works or lives in one of these counties: Bond, Christian, Clark, Clay, Clinton, Coles, Crawford, Cumberland, DeWitt, Douglas, Edgar, Effingham, Fayette, Jasper, Jefferson, Lawrence, Macon, Marion, McLean, Montgomery, Moultrie, Piatt, Richland, Sangamon, Shelby, Washington.
See current membership details

Reviews (3)

Long time member

Posted by: |

I have banked with this credit union for over twenty years. They offered direct deposit of my paycheck. They have a mobile app that allows transfers between my savings and checking account. They offer loans and CDs although I do not remember ever borrowing money from them. A few times I forgot my password to my online account and one phone call got it unlocked. They also have a debit card that they print on site. Every time I have had to deal with a real person, they have been pleasant.

They Can't Pass The LAUGH Test!

This is the most unhelpful bank of all that my wife and I use. They are rude and are very disrespectufl when you have a problem. When you are less than 20$ off and they put the deposit from the day before at the end of a list of transactions BOOM another 23$ to them. They do not live out the meaning of a good crtedit union - They only look out after themselves!

After fourteen months they still can't get their phobne app to work with your visa account to reflect accurate balances.

Pick Another Bank

Posted by: |

It was a nightmare. The app was worthless. Check deposit didn't work for nearly 4 months while multiple calls and follow-ups went unanswered. Went into my branch and they certainly did not know my name. Ms. Walker shrugged indifferently when I went in for help. Closed the account the same day- I can get crap service and cold stares at the other banks; at least those banks have apps that work and staff who can accurately relay bank policies.



Health

Health Grade Components

Overall
NCUA #63716
Year Chartered1947
Employees116
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD9.62%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$357.6MM$307.2MM
LoansQ4 2021vs Q4 2020$210.1MM$178.3MM
DepositsQ4 2021vs Q4 2020$320.1MM$271.5MM
Equity CapitalQ4 2021vs Q4 2020$35.8MM$34.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$2.1MM$1.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$867.00K$899.00K
Real Estate OwnedQ4 2021vs Q4 2020$23.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Land Of Lincoln Credit Union; 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.

Land Of Lincoln Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$50-Health Savings Account
0.30%--IRA Builder
0.30%--Roth IRA Builder
0.06%$5-Regular Shares
0.06%--Christmas Club Account
0.06%--Vacation Club Account

Land Of Lincoln Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-MAXimum Money Market
OTHER TIERS: 0.20% $25k - $50k | 0.23% $50k - $100k
0.17%*$25k*-Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.12% $10k - $25k

Land Of Lincoln Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Share Draft Plus/Checking
0.10%$500-Horizon Club Checking
0.10%$500-Premier Advantage Checking

Land Of Lincoln Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$10k-40 Month CD Special
1.00%*$50k*-60 Month CD
OTHER TIERS: 0.70% $1k - $10k | 0.80% $10k - $50k
0.80%$10k-15 Month CD Special
0.70%*$50k*-48 Month CD
OTHER TIERS: 0.55% $1k - $10k | 0.60% $10k - $50k
0.60%*$50k*-36 Month CD
OTHER TIERS: 0.45% $1k - $10k | 0.50% $10k - $50k
0.55%*$50k*-30 Month CD
OTHER TIERS: 0.40% $1k - $10k | 0.45% $10k - $50k
0.50%*$50k*-24 Month CD
OTHER TIERS: 0.35% $1k - $10k | 0.40% $10k - $50k
0.40%*$50k*-18 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.35% $10k - $50k
0.35%*$50k*-12 Month CD
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $50k
0.25%*$50k*-6 Month CD
OTHER TIERS: 0.20% $1k - $10k | 0.23% $10k - $50k
0.22%*$50k*-3 Month CD
OTHER TIERS: 0.17% $1k - $10k | 0.20% $10k - $50k
0.20%$100-12 Month Share Certificate Starter
Locations

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