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South Division Credit Union

Popular Accounts at this Credit Union

0.15%Reward CheckingFreedom Green Checking
0.70%5-year CD5 Year CD
0.15%1-year CD1 Year CD

Overview / Commentary
9122 S Kedzie Ave
Evergreen Park, IL 60805

South Division Credit Union is headquartered in Evergreen Park and is the 73rd largest credit union in the state of Illinois. It is also the 2,382nd largest credit union in the nation. It was established in 1935 and as of September of 2016, it had grown to 24 employees and 6,853 members at 4 locations. South Division Credit Union has a B health rating.

Field of Membership Restrictions

Membership in South Division Credit Union is open to anyone living in the United States or their relatives.
See current membership details

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Reviews (2)

Loan Service

Posted by: Anonymous | Feb 11, 2011

Even if you have been with sdcu 10yrs, do not ask for a loan. You are better off getting money from somewhere else. The only benefit I see to this institution is early payroll deposit. I do mean early, like 2 days before payday. That is the only thing that keeps me here.

Be Careful What You Wish For...

Posted by: Anonymous | Oct 8, 2010

I was looking for a better interest rate one evening, and these folks looked like a good bet - WRONG!  As I proceeded to fill out the online app., I read further into the offer and decided against joining.  Backed out all info. and closed the website.  NEVER clicked on a "confirm" or "submit" box of any kind, and DID NOT complete the app.  Two days later I've got paperwork (including what I DIDN'T fill out online) for my "new account" in the mail (so they could "legally open my account"), and my current checking account is being debited for the "initial deposit".  Once again, I NEVER completed, confirmed or submitted the application!  I immediately called South Division, and the representative promised to close the unauthorized account, refund my "deposit", and confirm all via email response to my email (sent minutes later) outlining the problem in writing.  Rec'd nothing.  Called AGAIN a few days later and asked for a supervisor.  He did not answer, so my problem and phone info. were taken with the promise of a phone response the following day, "as soon as he can look at the problem."  Again, NOTHING - NO RESPONSE!  I had to go to my current bank to have the unauthorized ACH transaction initiated by South Division reversed and my money refunded.  BEWARE!! 

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. South Division Credit Union has a low asset base.

Health Grade Components

NCUA #65550
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.46%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$47.7MM$48.2MM
LoansQ3 2016vs Q3 2015$19.3MM$20.1MM
DepositsQ3 2016vs Q3 2015$41.7MM$42.5MM
Equity CapitalQ3 2016vs Q3 2015$5.2MM$4.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$933.00K$1.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$261.00K$366.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$15.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South Division Credit Union Savings Account Rates

0.02%$50-Primary Savings
0.02%$50-Club Savings
0.02%$50-Student's First Savings
0.02%$50-Kids Club Savings
0.02%$50-IRA Accounts

South Division Credit Union Money Market Rates

0.05%$2,500-Money Market Account

South Division Credit Union Checking Account Rates

0.15%-$25kFreedom Green Checking - Qualifying

South Division Credit Union CD Rates

0.70%$1k-5 Year CD
0.50%$1k-4 Year CD
0.40%$1k-3 Year CD
0.30%$1k-2 Year CD
0.15%$1k-1 Year CD
0.10%$1k-6 Month CD

South Division Credit Union IRA Rates

0.70%$500-5 Year IRA
0.50%$500-4 Year IRA
0.40%$500-3 Year IRA
0.30%$500-2 Year IRA
0.15%$500-1 Year IRA
0.10%$500-6 Month IRA

South Division Credit Union Locations
Branch Office820 S Damen AveChicago, IL 60612-3728
Branch Office14740 Cicero AveMidlothian, IL 60445-3173
Branch Office9122 S Kedzie AveEvergreen Park, IL 60805-1605
Branch Office9059 S Kedzie AveEvergreen Park, IL 60805-1301