United Community Credit Union

Overview / Commentary
1001 Vermont St
Quincy, IL 62301

United Community Credit Union is headquartered in Quincy and is the 53rd largest credit union in the state of Illinois. It is also the 1,741st largest credit union in the nation. It was established in 1941 and as of December of 2019, it had grown to 33 employees and 10,139 members at 4 locations. United Community Credit Union's savings rates are 15% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in the counties of Adams, Brown, Hancock, Pike, and Schuyler in Illinois or Lewis, Marion, & Ralls counties in Missouri. Any employee who works at one of our select employee groups is also able to belong. Our eligible employee groups are listed under Membership Information.
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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. United Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60095
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD6.79%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$89.5MM$85.4MM
LoansQ4 2019vs Q4 2018$60.1MM$60.0MM
DepositsQ4 2019vs Q4 2018$76.3MM$73.2MM
Equity CapitalQ4 2019vs Q4 2018$13.0MM$12.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$344.00K$339.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$374.00K$528.00K
Real Estate OwnedQ4 2019vs Q4 2018$20.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Community Credit Union Savings Account Rates

0.95%*$15k*-IRA Share Savings
OTHER TIERS: 0.45% $100 - $1k | 0.70% $1k - $2.5k | 0.80% $2.5k - $5k | 0.85% $5k - $15k
0.60%*$15k*-Vacation Club Savings
OTHER TIERS: 0.40% $100 - $1k | 0.45% $1k - $2.5k | 0.50% $2.5k - $5k | 0.55% $5k - $15k
0.60%*$15k*-Christmas Club Savings
OTHER TIERS: 0.40% $100 - $1k | 0.45% $1k - $2.5k | 0.50% $2.5k - $5k | 0.55% $5k - $15k
0.60%*$15k*-Special Share Savings
OTHER TIERS: 0.40% $100 - $1k | 0.45% $1k - $2.5k | 0.50% $2.5k - $5k | 0.55% $5k - $15k
0.60%*$15k*-Primary Share Savings
OTHER TIERS: 0.40% $100 - $1k | 0.45% $1k - $2.5k | 0.50% $2.5k - $5k | 0.55% $5k - $15k

United Community Credit Union CD Rates

2.07%$1k-60 Month CD
1.81%$1k-48 Month CD
1.56%$1k-36 Month CD
1.31%$1k-24 Month CD
1.00%$1k-12 Month CD
0.90%$1k-6 Month CD

United Community Credit Union IRA Rates

2.27%$1k-60 Month IRA
2.02%$1k-48 Month IRA
1.71%$1k-36 Month IRA
1.51%$1k-24 Month IRA
1.26%$1k-12 Month IRA

United Community Credit Union Locations
Branch Office1001 Vermont StQuincy, IL 62301
Branch Office1426 N 26th StQuincy, IL 62301
Branch Office3633 Maine StQuincy, IL 62305
Branch Office109 Lindsey DrHannibal, MO 63401

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