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 Central Credit Union of Illinois Rates & Review November 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: October 29, 2026
Central Credit Union of Illinois's savings rates are at 0.05%. Central Credit Union of Illinois's money market rates are at 2.25%. Central Credit Union of Illinois's checking rates are as high as 5.00%. Central Credit Union of Illinois's 15-Year Fixed-Rate Mortgage rates are at 4.99%, Short-Term Fixed-Rate Mortgage - 120 months rates are at 5.75%, Short-Term, Fixed-Rate Mortgages rates are at 5.75%, 30-Year Fixed-Rate Mortgage rates are at 5.99%. Central Credit Union of Illinois's Personal Loan Rates are as low as 11.40%. Central Credit Union of Illinois's Credit Card Rates are at 9.90%. Central Credit Union of Illinois's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Central Credit Union of Illinois with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 10/29/2026. Central Credit Union of Illinois 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 Central Credit Union of Illinois? Share your experience about Central Credit Union of Illinois by leaving a review below, or read customer reviews before you decide to use Central Credit Union of Illinois. Central Credit Union of Illinois
Bellwood 1001 Mannheim Rd
https://www.centralcu.org Bellwood, IL 60104  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Central Credit Union of Illinois Savings Rates
Central Credit Union of Illinois Money Market Rates
Central Credit Union of Illinois Checking Rates
Central Credit Union of Illinois Mortgage Rates
Central Credit Union of Illinois Home Equity & HELOC
Central Credit Union of Illinois Auto Loan Rates
Central Credit Union of Illinois Credit Card Rates
Central Credit Union of Illinois Personal Loan Rates
Central Credit Union of Illinois Other Rates
Financial Health HistoryCentral Credit Union of Illinois’s Texas Ratio rose from 1.41% in Q3 2023 to 4.42% in Q2 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
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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 Central Credit Union of Illinois 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 Central Credit Union of Illinois 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 Central Credit Union of Illinois's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central Credit Union of Illinois
Website
https://www.centralcu.org
Address
1001 Mannheim Rd,
Bellwood, IL 60104
Phone
708-649-6400
Fax
708-649-6449
President
Paul Sublewski
CEO
Robert Anderson
Full-Time Employees
24
Part-Time Employees
4
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.42%
Return on Assets (ROA)
0.3130%
Return on Equity (ROE)
2.1919%
Non-Performing Loans Ratio (NPL)
1.19%
Total Assets
122,681,950
Total Amount of Shares and Deposits
103,252,820
Total Shares and Deposits < 1 Year
102,792,025
Total Shares and Deposits 1 3 Years
372,505
Total Shares and Deposits > 3 Years
88,290
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,926,447
Total Uninsured Shares and Deposits > $250K (F+J)
2,926,447
Total Insured Shares and Deposits > $250K (item 17 less item K)
100,326,373
Total Interest Expense (Sum of items 6 8)
270,328
Share Certificates
272
Number of Accounts for Share Drafts
3,089
IRA KEOGH Accounts
121
Number of Accounts for Regular Shares
11,085
Money Market Shares
452
Net Income (unless the amount is already included in Undivided Earnings)
384,022
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)
11,283,043
Total Liabilities
105,161,786
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Central Credit Union of IllinoisWhat is the highest savings rate at Central Credit Union of Illinois?The highest Central Credit Union of Illinois savings rate is its Savings Account at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Central Credit Union of Illinois?The highest Central Credit Union of Illinois money market rate is its Smart-Saver Money Market at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Central Credit Union of Illinois?The highest Central Credit Union of Illinois checking rate is its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Central Credit Union of Illinois?The lowest Central Credit Union of Illinois 30 year fixed mortgage rate is its 30-Year Fixed-Rate Mortgage at 5.99%, verified by MonitorBankRates as of October 29, 2026. Central Credit Union of Illinois mortgage rates are 5.99% for a 30 year mortgage, 4.99% for a 15 year mortgage and 5.75% for a 10 year mortgage. What is the lowest auto loan rate at Central Credit Union of Illinois?The lowest Central Credit Union of Illinois auto loan rate is its Vehicle Loan at 4.14% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Central Credit Union of Illinois?The lowest Central Credit Union of Illinois personal loan rate is its Personal Loan at 11.40% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Central Credit Union of Illinois?The lowest Central Credit Union of Illinois credit card APR is its First-Rate Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Central Credit Union of Illinois operate?Central Credit Union of Illinois 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 Central Credit Union of Illinois?Yes, to access services at Central Credit Union of Illinois, 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, Central Credit Union of Illinois 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, Central Credit Union of Illinois provides members with tools to manage their accounts and build a solid financial history. Does Central Credit Union of Illinois offer online and mobile banking?Most modern institutions like Central Credit Union of Illinois 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.centralcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Central Credit Union of Illinois rates compare?Central Credit Union of Illinois's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. Central Credit Union of Illinois's top rates are its Savings Account at 0.05% APY, its Smart-Saver Money Market at 2.25% APY, its Kasasa Cash Checking at 5.00% APY, its 15-Year Fixed-Rate Mortgage at 4.99%, its Personal Loan at 11.40% APR and its First-Rate Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026. Current Central Credit Union of Illinois Rates
Retrieved from our database of financial products. Rates subject to change.
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