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New Century Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.newcenturyfcu.org
815-741-1847
291 Springfield Ave
Joliet, IL 60435

New Century Federal Credit Union is headquartered in Joliet and is the 65th largest credit union in the state of Illinois. It is also the 2,304th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 10 employees and 4,528 members at 2 locations. New Century Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

New Century Federal Credit Union is open to those who work at one of the credit union's select payroll groups, or live in a specific area of Crest Hill, Lockport, Rockdale or the east side of Joliet.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

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. New Century Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #1251
Year Chartered1936
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD3.75%
Annual Interest Income$574K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$58.2MM$57.1MM
LoansQ1 2025vs Q1 2024$24.4MM$23MM
DepositsQ1 2025vs Q1 2024$50.1MM$49.3MM
Equity CapitalQ1 2025vs Q1 2024$7.9MM$7.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$106K$114K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$100K$254K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not New Century Federal 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.

New Century Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Share Saving
0.05%$25-Christmas Cub
0.05%$25-Vacation Club
0.05%$25-Special Saving
0.05%$25-Tax Holding Saving
0.05%$25-Roth IRA Shares

New Century Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$75k*-Money Market Account
OTHER TIERS: 0.60% → $2k - $10k | 0.85% → $10k - $75k

New Century Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$1k-1 Year CD
2.92%$1k-5 Year CD
2.82%$1k-4 Year CD
2.72%$1k-3 Year CD
2.62%$1k-2 Year CD
1.26%$1k-6 Month CD

New Century Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$1k-1 Year IRA
2.92%$1k-5 Year IRA
2.82%$1k-4 Year IRA
2.72%$1k-3 Year IRA
2.62%$1k-2 Year IRA
0.05%$25-IRA Shares
Locations


New Century Federal Credit Union Locations
Branch Office291 Springfield AveJoliet, IL 60435-6509
Branch Office1910 Ferro DrNew Lenox, IL 60451-3506

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