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Overview / Commentary
1130 E Pershing Rd
Decatur, IL 62524

United Equity Credit Union is headquartered in Decatur and is the 79th largest credit union in the state of Illinois. It is also the 2,582nd largest credit union in the nation. It was established in 1899 and as of December of 2017, it had grown to 10 employees and 3,857 members at 2 locations. United Equity Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Ameren IP, Amergen Energy Co. LLC’s Clinton Power Station, Dynegy Midwest Generation (excluding Hennepin Power Station employees), Decatur Firefighters, DCC Marketing, Network Solutions, Action Income Tax, Decatur Computers, Harvey Brothers Electric, Decatur Family YMCA, Marty’s Tire Center, Family Eyecare, Fleener & Roberts Automotive, Yemm Chevrolet-Chrysler-Buick-Jeep, Inc., Foster Financial Services, Romano and Co.
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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 Equity Credit Union has a low asset base.

Health Grade Components

NCUA #81688
Year Chartered1899
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD2.83%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$38.9MM$39.7MM
LoansQ4 2017vs Q4 2016$20.0MM$20.0MM
DepositsQ4 2017vs Q4 2016$34.2MM$35.2MM
Equity CapitalQ4 2017vs Q4 2016$4.5MM$4.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$126.00K$83.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$182.00K$138.00K
Real Estate OwnedQ4 2017vs Q4 2016$8.00K$18.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Equity Credit Union Savings Account Rates

0.20%--Christmas Club
0.20%--Vacation Club
0.15%--Regular Shares
0.15%--Special Purpose Account

United Equity Credit Union Money Market Rates

0.25%--Money Market

United Equity Credit Union Checking Account Rates

0.10%--Share Draft

United Equity Credit Union CD Rates

1.66%*$10k*-60 Month CD
OTHER TIERS: 1.41% $1k - $10k
1.36%*$10k*-48 Month CD
OTHER TIERS: 1.11% $1k - $10k
1.16%*$10k*-36 Month CD
OTHER TIERS: 0.90% $1k - $10k
0.90%$500-36 Month Youth CD
0.75%*$25k*-24 Month CD
OTHER TIERS: 0.50% $1k - $10k | 0.65% $10k - $25k
0.75%*$25k*-30 Month CD
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $25k
0.65%*$10k*-18 Month CD
OTHER TIERS: 0.50% $1k - $10k
0.60%$500-30 Month Youth CD
0.50%$500-18 Month Youth CD
0.50%$500-24 Month Youth CD
0.50%*$10k*-12 Month CD
OTHER TIERS: 0.35% $1k - $10k
0.35%$500-12 Month Youth CD
0.30%$2,500-6 Month CD

United Equity Credit Union Locations
Branch Office687 Lincoln StGalesburg, IL 61401
Corporate Office1130 E Pershing RdDecatur, IL 62526