Ottawa Hiway Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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

ottawahiwaycu.com

815-434-8475

700 E Norris Dr
Ottawa, IL 61350

Ottawa Hiway Credit Union is headquartered in Ottawa and is the 114^th largest credit union in the state of Illinois. It is also the 3,360^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 2 employees and 1,255 members at 3 locations. Ottawa Hiway Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Illinois Department of Transportation, District #2 and District #3, CMS Garages in District #2 and District #3, and their immediate families.
See current membership details

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Health

B+

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. Ottawa Hiway Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	63213
Year Chartered	1963
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	1.65%
Return on Equity - YTD	11.15%
Annual Interest Income	$186K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$16MM$15.6MM
Loans	Q1 2025vs Q1 2024	$6.6MM$6.4MM
Deposits	Q1 2025vs Q1 2024	$13.7MM$13.5MM
Equity Capital	Q1 2025vs Q1 2024	$2.3MM$2.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$170K$168K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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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CD
IRA

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Ottawa Hiway Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$0	$500	Vacation Club
0.35%	$0	$500	Christmas Club
0.25%	$0	-	Coverdell Savings Account
0.20%	$0	-	Regular Shares
0.20%	$0	-	Special Shares

Ottawa Hiway Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.24%	$1k	-	24 Month CD
1.10%	$1k	-	18 Month CD
0.90%	$1k	-	12 Month CD
0.60%	$1k	-	6 Month CD

Ottawa Hiway Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.24%	$2k	-	24 Month IRA
1.24%	$500	-	24 Month Coverdell Education Savings
1.10%	$2k	-	18 Month IRA
1.10%	$500	-	18 Month Coverdell Education Savings
0.90%	$2k	-	12 Month IRA
0.90%	$500	-	12 Month Coverdell Education Savings
0.60%	$2k	-	6 Month IRA
0.60%	$500	-	6 Month Coverdell Education Savings
0.25%	$0	-	IRA Regular Account

Locations

Ottawa Hiway Credit Union Locations
Branch Office	700 E Norris Dr	Ottawa, IL 61350
Branch Office	819 Depot Ave	Dixon, IL 61021
Corporate Office	700 E Norris Dr	Ottawa, IL 61350

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