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Mid-Illini Credit Union


Overview / Commentary
www.midillinicu.com
309-661-1166
1811 Eastland Dr
Bloomington, IL 61704

Mid-Illini Credit Union is headquartered in Bloomington and is the 62nd largest credit union in the state of Illinois. It is also the 2,111th largest credit union in the nation. It was established in 1940 and as of June of 2022, it had grown to 18 employees and 8,330 members at 1 location. Mid-Illini Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone through joining Mid-Illinois Dollars for Scholars ($25). Membership is also open to those who live or work in McLean County, Illinois.
See current membership details

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Reviews (3)

Savin Money

Posted by: |

This credit union has given me the ability to save money in ways that the other big branches simply do not. I have had a really easy time accessing everything that i need from them and I really enjoy being a member. I would highly recommend them to anyone who is looking to use a credit union in the area.

1

My experience with Midillinicu

Posted by: |

I have my account with Midillinicu for past 4 years. They have various online services like online banking, online billpay, online applications, online direct deposit etc are very helpful to do most of transaction by online and no need to go credit union for every time. Their customer service is good though not excellent but I am very much satisfied with their website experience. They are user friendly and very informative.Their mortgage loan, personal loan and credit cards are having lowest interest rate possible in the industry. Their products are very competitive in the market. Their fees are very reasonable compared to their competitors. My overall rating is excellent and I dont hessitate to recommend this credit union to my friends and relatives.

2

Not So Nationwide

Posted by: |

I completed the application on 8/11 and waited for the callback (1 to 2 business days). On 8/16, I finally called them and was told that the application required an in person visit.

I live in TX and have no plans for travel to Illinois in the near future. So, I'm out of luck.

2


Health
B+

Data as of Q2 2022

Learn why bank health matters
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. Mid-Illini Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #63541
Year Chartered1940
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.72%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$77.6MM$74.8MM
LoansQ2 2022vs Q2 2021$57.6MM$56.5MM
DepositsQ2 2022vs Q2 2021$71.8MM$69.4MM
Equity CapitalQ2 2022vs Q2 2021$5.6MM$5.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$695.00K$860.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$134.00K$266.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Mid-Illini 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.

Mid-Illini Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Savings Account
0.05%$100-Christmas Club
0.05%$100-IRA Savings Account
0.05%$100-Loan Payment Savings Account

Mid-Illini Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$75k*-Money Market Account
OTHER TIERS: 0.75% → $2.5k - $25k | 0.85% → $25k - $75k

Mid-Illini Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%-$25kCash Rewards High Interest Checking
0.45%*$5k*-Platinum Stripes Checking Account
OTHER TIERS: 0.35% → $1k - $5k

Mid-Illini Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.09%$100k-60 Month Jumbo Share Certificate
2.07%$500-60 Month Share Certificate
1.73%$100k-48 Month Jumbo Share Certificate
1.71%$500-48 Month Share Certificate
1.63%$100k-36 Month Jumbo Share Certificate
1.61%$500-36 Month Share Certificate
1.53%$100k-30 Month Jumbo Share Certificate
1.50%$500-30 Month Share Certificate
1.43%$100k-24 Month Jumbo Share Certificate
1.40%$500-24 Month Share Certificate
1.33%$100k-18 Month Jumbo Share Certificate
1.30%$500-18 Month Share Certificate
1.28%$100k-12 Month Jumbo Share Certificate
1.25%$500-12 Month Share Certificate
0.97%$100k-6 Month Jumbo Share Certificate
0.95%$500-6 Month Share Certificate
0.67%$100k-3 Month Jumbo Share Certificate
0.65%$500-3 Month Share Certificate
0.17%$100k-1 Month Jumbo Share Certificate
0.15%$500-1 Month Share Certificate

Mid-Illini Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.09%$100k-60 Month Jumbo IRA Certificate
2.07%$500-60 Month IRA Certificate
1.73%$100k-48 Month Jumbo IRA Certificate
1.71%$500-48 Month IRA Certificate
1.63%$100k-36 Month Jumbo IRA Certificate
1.61%$500-36 Month IRA Certificate
1.53%$100k-30 Month Jumbo IRA Certificate
1.50%$500-30 Month IRA Certificate
1.43%$100k-24 Month Jumbo IRA Certificate
1.40%$500-24 Month IRA Certificate
1.33%$100k-18 Month Jumbo IRA Certificate
1.30%$500-18 Month IRA Certificate
1.28%$100k-12 Month Jumbo IRA Certificate
1.25%$500-12 Month IRA Certificate
0.97%$100k-6 Month Jumbo IRA Certificate
0.95%$500-6 Month IRA Certificate
0.67%$100k-3 Month Jumbo IRA Certificate
0.65%$500-3 Month IRA Certificate
0.17%$100k-1 Month Jumbo IRA Certificate
0.15%$500-1 Month IRA Certificate
Locations


Mid-Illini Credit Union Locations
Branch Office1811 Eastland DrBloomington, IL 61704

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