What are the current interest rates at 77th Street Depot Federal Credit Union?

Current rates for 77th Street Depot Federal Credit Union include: 12-Month CD: 0.75%

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77th Street Depot Federal Credit Union

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77th Street Depot Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 77th Street Depot Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

77th Street Depot Federal Credit Union's 12 Month CD rates are at 0.75%, 6 Month CD rates are at 0.50%. 77th Street Depot Federal Credit Union's Auto Loan Rates are as low as 2.90%. MonitorBankRates evaluates the financial stability of 77th Street Depot Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.88%. Rates last updated and verified on 09/16/2026.

77th Street Depot Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 77th Street Depot Federal Credit Union? Share your experience about 77th Street Depot Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 77th Street Depot Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

77th Street Depot Federal Credit Union
Main Office

5401 S Wentworth Ave Ste 26
Chicago, IL 60609-6300

https://www.77thstreetdepotfcu.org

77th Street Depot Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month CD	0.75%	0.75%	12 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
6 Month CD	0.50%	0.50%	6 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

77th Street Depot Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Accounts	0.05%	0.05%
Details Call us : 773-846-7137 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

77th Street Depot Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used cars Loan	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. New cars have never been titled. Used cars can not exceed seven years past the current year. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

77th Street Depot Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loans	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
Holiday Loans	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. (November thought January Only) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
Home Improvement Loans	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
Retiree Loans	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. Some loans can be done within and hour or the same day. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
Vacations Loans	-	-	2.90%
Details Application fee: $20.00. Loan amounts Minimum - $500.00 Maximum - $10.000. Based on credit score and debt to income ratio. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

77th Street Depot Federal Credit Union’s Texas Ratio fell from 1.39% in Q2 2023 to 0.88% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$18M	0.88%	5.0	A+
December 31, 2025	$18M	2.67%	5.0	A+
September 30, 2025	$19M	2.59%	5.0	A+
June 30, 2025	$19M	2.10%	5.0	A+
March 31, 2025	$20M	1.18%	5.0	A+
December 31, 2024	$20M	1.39%	5.0	A+
September 30, 2024	$19M	1.08%	5.0	A+
June 30, 2024	$20M	1.55%	5.0	A+
March 31, 2024	$20M	1.01%	5.0	A+
December 31, 2023	$20M	1.45%	5.0	A+
September 30, 2023	$20M	2.71%	5.0	A+
June 30, 2023	$21M	1.39%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 77th Street Depot Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 77th Street Depot Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 77th Street Depot Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 77th Street Depot Federal Credit Union

Website https://www.77thstreetdepotfcu.org

Address 5401 S Wentworth Ave Ste 26, Chicago, IL 60609-6300

Phone 773-846-7137

Fax 773-846-7512

President Jerry Weems

CEO Renee Williamson

Full-Time Employees 2

Part-Time Employees 10

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.88%

Return on Assets (ROA)

-0.2640%

Return on Equity (ROE)

-0.9992%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

17,784,409

Total Amount of Shares and Deposits

13,017,688

Total Shares and Deposits < 1 Year

13,017,688

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

162,413

Total Uninsured Shares and Deposits > $250K (F+J)

162,413

Total Insured Shares and Deposits > $250K (item 17 less item K)

12,855,275

Total Interest Expense (Sum of items 6 8)

10,896

Share Certificates

Number of Accounts for Share Drafts

1,797

Number of Accounts for Regular Shares

5,070

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,550,712

Total Liabilities

13,085,885

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

77th Street Depot Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

There are no reviews for 77th Street Depot Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About 77th Street Depot Federal Credit Union

How many branches does 77th Street Depot Federal Credit Union operate?

77th Street Depot Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 77th Street Depot Federal Credit Union?

Yes, to access services at 77th Street Depot Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 77th Street Depot Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 77th Street Depot Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 77th Street Depot Federal Credit Union offer online and mobile banking?

Most modern institutions like 77th Street Depot Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.77thstreetdepotfcu.org.