Featured Savings Rates
Featured Accounts

South Division Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
708-857-7070
9122 S Kedzie Ave
Evergreen Park, IL 60805

South Division Credit Union is headquartered in Evergreen Park and is the 72nd largest credit union in the state of Illinois. It is also the 2,356th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 20 employees and 6,983 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!! 



Health
B
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

Overall
NCUA #65550
Year Chartered1935
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.76%
Annual Interest Income$804.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$48.4MM$49.2MM
LoansQ2 2016vs Q2 2015$19.4MM$18.3MM
DepositsQ2 2016vs Q2 2015$42.5MM$43.5MM
Equity CapitalQ2 2016vs Q2 2015$5.1MM$4.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$905.00K$1.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$179.00K$367.00K
Real Estate OwnedQ2 2016vs Q2 2015$134.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2,500-Money Market Account

South Division Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%-$25kFreedom Green Checking - Qualifying

South Division Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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