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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Blackhawk Area Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Blackhawk Area Credit Union's 60 Month CD rates are at 1.85%, 36 Month CD rates are at 1.75%, 48 Month CD rates are at 1.75%, 24 Month CD rates are at 1.50%, 18 Month CD rates are at 1.45%. Blackhawk Area Credit Union's Mortgage - Fixed rates are at 6.25%, Mortgage - Fixed rates are at 6.50%, Mortgage - Fixed rates are at 6.75%. Blackhawk Area Credit Union's Personal Loan Rates are as low as 11.95%. MonitorBankRates evaluates the financial stability of Blackhawk Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 09/22/2026. Blackhawk Area 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 Blackhawk Area Credit Union? Share your experience about Blackhawk Area Credit Union by leaving a review below, or read customer reviews before you decide to use Blackhawk Area Credit Union. Blackhawk Area Credit Union
BACU Savanna Main Office 214 Main St
https://www.bacu.org Savanna, IL 61074-1628 
Blackhawk Area Credit Union CD Rates
Blackhawk Area Credit Union Mortgage Rates
Blackhawk Area Credit Union Auto Loan Rates
Blackhawk Area Credit Union Personal Loan Rates
Blackhawk Area Credit Union Other Rates
Financial Health HistoryBlackhawk Area Credit Union’s Texas Ratio fell from 3.48% in Q2 2023 to 0.58% in Q1 2026, so its financial health has improved and is now 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Blackhawk Area 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 Blackhawk Area 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 Blackhawk Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Blackhawk Area Credit Union
Website
https://www.bacu.org
Address
214 Main St,
Savanna, IL 61074-1628
Phone
815-273-4503
Fax
815-273-3075
President
Beth Wiegmann
CEO
Rhonda Schroeder
Full-Time Employees
13
Part-Time Employees
4
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.58%
Return on Assets (ROA)
0.0641%
Return on Equity (ROE)
0.4924%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
39,631,046
Total Amount of Shares and Deposits
35,072,979
Total Shares and Deposits < 1 Year
34,977,367
Total Shares and Deposits 1 3 Years
91,124
Total Shares and Deposits > 3 Years
4,488
Total Interest Expense (Sum of items 6 8)
71,942
Share Certificates
272
Number of Accounts for Share Drafts
1,904
IRA KEOGH Accounts
83
Number of Accounts for Regular Shares
4,198
All other shares
358
Money Market Shares
101
Net Income (unless the amount is already included in Undivided Earnings)
25,404
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)
3,418,522
Total Liabilities
34,779,583
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Blackhawk Area Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Blackhawk Area Credit Union
Frequently Asked Questions About Blackhawk Area Credit UnionHow many branches does Blackhawk Area Credit Union operate?Blackhawk Area 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 Blackhawk Area Credit Union?Yes, to access services at Blackhawk Area 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, Blackhawk Area 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, Blackhawk Area Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Blackhawk Area Credit Union offer online and mobile banking?Most modern institutions like Blackhawk Area 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.bacu.org. Current Blackhawk Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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