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iAdvertiser Disclosure
Advertiser Disclosure
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 Community Trust Credit Union Rates & Review March 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.
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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: March 25, 2026
Community Trust Credit Union's 6 Month CD Accounts rates are at 3.75%, 16 MONTH SPECIAL CD Accounts rates are at 3.00%, 5 Year CD Accounts rates are at 1.36%, 4 Year CD Accounts rates are at 1.31%, 3 Year CD Accounts rates are at 1.26%. Community Trust Credit Union's savings rates are at 0.05%. Community Trust Credit Union's money market rates are at 0.35%. MonitorBankRates evaluates the financial stability of Community Trust Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates were last updated on 03/25/2026. Community Trust 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 Community Trust Credit Union? Share your experience about Community Trust Credit Union by leaving a review below, or read customer reviews before you decide to use Community Trust Credit Union. Community Trust Credit Union
CTCU Gurnee Branch 1313 N Skokie Hwy
https://www.ctcu.org Gurnee, IL 60031 
Community Trust Credit Union CD Rates
Community Trust Credit Union Savings Rates
Community Trust Credit Union Money Market Rates
Community Trust Credit Union Mortgage Rates
Community Trust Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community Trust 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 Community Trust 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 Community Trust Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community Trust Credit Union
Website
https://www.ctcu.org
Address
1313 N Skokie Hwy,
Gurnee, IL 60031
Phone
847-662-2050
Fax
847-623-0647
President
Dan Kloczkowski
CEO
Carol Analla
Full-Time Employees
43
Part-Time Employees
6
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.02%
Return on Assets (ROA)
0.6807%
Return on Equity (ROE)
5.8736%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
321,844,289
Total Amount of Shares and Deposits
282,331,893
Total Shares and Deposits < 1 Year
278,274,573
Total Shares and Deposits 1 3 Years
3,106,449
Total Shares and Deposits > 3 Years
950,871
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,562,886
Total Uninsured Shares and Deposits > $250K (F+J)
18,562,886
Total Insured Shares and Deposits > $250K (item 17 less item K)
263,769,007
Total Interest Expense (Sum of items 6 8)
2,206,703
Share Certificates
1,795
Number of Accounts for Share Drafts
10,987
IRA KEOGH Accounts
689
Number of Accounts for Regular Shares
16,537
Money Market Shares
2,516
Net Income (unless the amount is already included in Undivided Earnings)
2,190,720
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
57,328,967
Total Liabilities
284,700,980
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Community Trust Credit UnionIs Community Trust Credit Union a safe place to deposit money?Yes, Community Trust Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0247111779562%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Community Trust Credit Union operate?Community Trust 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 Community Trust Credit Union?Yes, to access services at Community Trust 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, Community Trust 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, Community Trust Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Community Trust Credit Union offer online and mobile banking?Most modern institutions like Community Trust 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.ctcu.org. Current Community Trust Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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