Overview / Commentary
230 S. Dearborn St Suite #2962
Chicago, IL 60604

U. S. Employees Credit Union is headquartered in Chicago and is the 52nd largest credit union in the state of Illinois. It is also the 1,747th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 21 employees and 7,998 members at 3 locations. U. S. Employees Credit Union's CD rates are 67% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of the United States Government.
See current membership details

Reviews (1)

A Good Alternative

Posted by: DavidY | Sep 17, 2014

Admittedly, I can't say I have much experience with credit unions. I have used them more as an alternative option, and have not yet become well acquainted.

Credit unions appear to be a good way to get credit at competitive rates, and US Employees is no exception. Overall, they are fairly reasonable to work with, and seem like a good down to earth option which you can use in order to be able to better negotiate what it is you're looking for. The customer service is excellent, being what it is designed to provide, and they are overall a good company with few negative surprises.

Admittedly their website could stand to have a few more options. Overall, it seems like the website wasn't designed very well, and was more of a basic format designed to get you to contact them than it is a full comprehensive experience. I haven't tried the mobile version, but I'm not sure how it would differ.

Overall, that's a tiny problem though. I'd recommend going to them.

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. U. S. Employees Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61793
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.08%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$86.2MM$84.9MM
LoansQ4 2018vs Q4 2017$24.7MM$20.6MM
DepositsQ4 2018vs Q4 2017$75.0MM$73.3MM
Equity CapitalQ4 2018vs Q4 2017$11.0MM$10.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$444.00K$1.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$453.00K$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

U. S. Employees Credit Union Savings Account Rates

0.65%*$10k*-Preferred Share Account
OTHER TIERS: 0.50% $1k - $10k
0.65%*$10k*-IRA Share Account
OTHER TIERS: 0.50% Up to $10k
0.06%$50-Regular Share (Saving) Account
0.06%--Vacation Club
0.06%--Holiday Club
0.06%--Sub Share

U. S. Employees Credit Union CD Rates

2.00%*$20k*-60 Month CD
OTHER TIERS: 1.85% $1k - $20k
1.75%*$20k*-36 Month CD
OTHER TIERS: 1.60% $1k - $20k
1.60%*$20k*-24 Month CD
OTHER TIERS: 1.45% $1k - $20k
1.50%*$20k*-12 Month CD
OTHER TIERS: 1.35% $1k - $20k
1.40%*$20k*-6 Month CD
OTHER TIERS: 1.25% $1k - $20k
1.30%*$20k*-3 Month CD
OTHER TIERS: 1.15% $1k - $20k

U. S. Employees Credit Union IRA Rates

2.20%*$10k*-60 Month IRA
OTHER TIERS: 1.95% $1k - $20k
1.95%*$10k*-36 Month IRA
OTHER TIERS: 1.70% $1k - $20k
1.80%*$10k*-24 Month IRA
OTHER TIERS: 1.55% $1k - $20k
1.70%*$10k*-12 Month IRA
OTHER TIERS: 1.45% $1k - $20k

U. S. Employees Credit Union Locations
Branch Office230 S Dearborn St Ste 2962Chicago, IL 60604-1592
Branch Office5000 S 5th AveHines, IL 60141-3030
Branch Office610 S Canal St Ste 240Chicago, IL 60607-4730

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