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United Equity Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.uecu.com
217-875-1845
1130 E Pershing Rd
Decatur, IL 62526

United Equity Credit Union is headquartered in Decatur and is the 62nd largest credit union in the state of Illinois. It is also the 2,136th largest credit union in the nation. It was established in 1899 and as of March of 2025, it had grown to 13 employees and 6,389 members at 4 locations. United Equity Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

United Equity Credit Union offers membership to those who live or work in the Illinois counties of Fulton, Henry, Knox, Mercer, Peoria, Stark, or Warren. Employees and retirees of Dynegy Incorporated and Subsidiaries, Exelon’s Clinton Power Station, Ameren Illinois, Decatur Firefighters and several other organizations also qualify for membership.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters
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 relatively low asset base.

Health Grade Components

Overall
NCUA #81688
Year Chartered1899
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD7.29%
Annual Interest Income$900K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$71.6MM$71.7MM
LoansQ1 2025vs Q1 2024$43.4MM$45.3MM
DepositsQ1 2025vs Q1 2024$60.3MM$61.2MM
Equity CapitalQ1 2025vs Q1 2024$11.1MM$10.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$352K$168K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$526K$298K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$25kKasasa Saver
OTHER TIERS: 0.60% → $25k+
0.25%$0-Christmas Club
0.15%$0-Regular Shares
0.15%$0-Vacation Club
0.15%$0-Special Purpose Account

United Equity Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$2.5k-Money Market

United Equity Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$20kKasasa Cash Checking
OTHER TIERS: 1.04% → $20k+
0.05%$0-Share Draft

United Equity Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-12 Month Youth CD
2.02%$1k-12 Month CD
1.82%$500-24 Month Youth CD
1.82%$500-36 Month Youth CD
1.82%$1k-24 Month CD
1.82%$1k-36 Month CD
1.66%$1k-60 Month CD
1.66%$500-60 Month Youth CD
1.61%*$25k*-18 Month CD
OTHER TIERS: 1.51% → $1k - $10k | 1.56% → $10k - $25k
1.51%$500-18 Month Youth CD
1.51%$1k-48 Month CD
1.51%$500-48 Month Youth CD
1.36%*$25k*-6 Month CD
OTHER TIERS: 1.26% → $1k - $10k | 1.31% → $10k - $25k
1.26%$500-6 Month Youth CD
Locations


United Equity Credit Union Locations
Branch Office687 Lincoln StGalesburg, IL 61401
Corporate Office1130 E Pershing RdDecatur, IL 62526
Branch Office3695 E William Street RdDecatur, IL 62521-1658
Branch Office2300 N Edward StDecatur, IL 62526-4163

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