Overview / Commentary
217-875-1845
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 2,566th largest credit union in the nation. It was established in 1899 and as of December of 2018, it had grown to 10 employees and 3,795 members at 2 locations. United Equity Credit Union's CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

United Equity Credit Union offers membership to employees and retirees of Dynegy Incorporated and Subsidiaries, Exelon’s Clinton Power Station, Ameren Illinois, Decatur Firefighters and several other organizations.
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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. United Equity Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #81688
Year Chartered1899
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.85%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$39.3MM$38.9MM
LoansQ4 2018vs Q4 2017$21.0MM$20.0MM
DepositsQ4 2018vs Q4 2017$34.5MM$34.2MM
Equity CapitalQ4 2018vs Q4 2017$4.7MM$4.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$134.00K$126.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$222.00K$182.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$8.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not United Equity Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.22%--Christmas Club
0.22%--Vacation Club
0.18%--Regular Shares
0.18%--Special Purpose Account

United Equity Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Money Market

United Equity Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%--Share Draft

United Equity Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.63%*$25k*-60 Month CD
OTHER TIERS: 2.38% $1k - $10k | 2.48% $10k - $25k
2.63%*$25k*-60 Month Youth CD
OTHER TIERS: 2.38% $500 - $100k | 2.48% $10k - $25k
2.48%*$25k*-48 Month CD
OTHER TIERS: 2.22% $1k - $10k | 2.38% $10k - $25k
2.48%*$25k*-48 Month Youth CD
OTHER TIERS: 2.22% $500 - $100k | 2.38% $10k - $25k
2.38%*$25k*-36 Month Youth CD
OTHER TIERS: 2.02% $500 - $100k | 2.22% $10k - $25k
2.38%*$25k*-36 Month CD
OTHER TIERS: 2.02% $1k - $10k | 2.22% $10k - $25k
1.87%*$25k*-30 Month Youth CD
OTHER TIERS: 1.51% $500 - $100k | 1.76% $10k - $25k
1.87%*$25k*-30 Month CD
OTHER TIERS: 1.66% $1k - $10k | 1.76% $10k - $25k
1.82%*$25k*-24 Month Youth CD
OTHER TIERS: 1.56% $500 - $100k | 1.66% $10k - $25k
1.82%*$25k*-24 Month CD
OTHER TIERS: 1.56% $1k - $10k | 1.66% $10k - $25k
1.66%*$25k*-18 Month Youth CD
OTHER TIERS: 1.41% $500 - $100k | 1.51% $10k - $25k
1.66%*$25k*-18 Month CD
OTHER TIERS: 1.41% $1k - $10k | 1.51% $10k - $25k
1.51%*$25k*-12 Month Youth CD
OTHER TIERS: 1.36% $500 - $100k | 1.41% $10k - $25k
1.51%*$25k*-12 Month CD
OTHER TIERS: 1.36% $1k - $10k | 1.41% $10k - $25k
1.26%*$25k*-6 Month CD
OTHER TIERS: 0.65% $1k - $10k | 0.85% $10k - $25k
1.26%*$25k*-6 Month Youth CD
OTHER TIERS: 0.65% $500 - $100k | 0.85% $10k - $25k
Locations


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

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