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Credit Union 1 Credit Union Rantoul, IL

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Credit Union 1 Credit Union Rantoul, IL Rates & Review November 2026

Q: What are the current interest rates at Credit Union 1 Credit Union Rantoul, IL?

Current rates for Credit Union 1 Credit Union Rantoul, IL include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 2.00%, MMA: 0.40%

Q: What CD terms does Credit Union 1 Credit Union Rantoul, IL offer?

Credit Union 1 Credit Union Rantoul, IL CD rates are 3.75% APY for a 3 month CD, 3.25% APY for a 12 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 2.75% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union 1 Credit Union Rantoul, IL for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Credit Union 1 Credit Union Rantoul, IL's CD - 3 month rates are at 3.75%, 12 Month CD rates are at 3.25%, 24 Month CD rates are at 3.00%, 36 Month CD rates are at 3.00%, 48 Month CD rates are at 2.75%. Credit Union 1 Credit Union Rantoul, IL's savings rates are at 2.00%. Credit Union 1 Credit Union Rantoul, IL's money market rates are at 0.40%. Credit Union 1 Credit Union Rantoul, IL's checking rates are as high as 4.75%. Credit Union 1 Credit Union Rantoul, IL's RV, Boat and Powersport Loan Rates are as low as 8.47%. Credit Union 1 Credit Union Rantoul, IL's CD rates are 8% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Credit Union 1 Credit Union Rantoul, IL with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.90%. Rates last updated and verified on 10/30/2026.

Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL? Share your experience about Credit Union 1 Credit Union Rantoul, IL by leaving a review below, or read customer reviews before you decide to use Credit Union 1 Credit Union Rantoul, IL.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Credit Union 1 Credit Union Rantoul, IL
Credit Union 1

450 E 22nd St Ste 250
Lombard, IL 60148-6176

https://www.creditunion1.org

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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.

Credit Union 1 Credit Union Rantoul, IL CD Rates

Product	Rate	APY	Term
Share Certificate - 3 month	3.687%	3.75%	3 Months
Min Deposit $500 Min Balance $500 Details Special 3 Month Share Certificate: limited time offer, may be cancelled without notice; automatically rolls over to another 3 Month Share Certificate; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Special 3 Month Share Certificate	3.687%	3.75%	3 Months
Min Deposit $500 Min Balance $500 Details Special 3 Month Share Certificate is a limited time offer and may be cancelled at any time; auto-rolls to another 3 Month Share Certificate with a 10-day grace period; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month Certificate	3.202%	3.25%	12 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month IRA Certificate Plus (Traditional, Roth or Educational)	3.202%	3.25%	12 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month Share Certificate	3.202%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Certificate	2.959%	3.00%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month IRA Certificate Plus (Traditional, Roth or Educational)	2.959%	3.00%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Share Certificate	2.959%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Certificate	2.959%	3.00%	36 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month IRA Certificate Plus (Traditional, Roth or Educational)	2.959%	3.00%	36 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Share Certificate	2.959%	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Certificate	2.715%	2.75%	48 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month IRA Certificate Plus (Traditional, Roth or Educational)	2.715%	2.75%	48 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Share Certificate	2.715%	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Certificate	2.715%	2.75%	60 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month IRA Certificate Plus (Traditional, Roth or Educational)	2.715%	2.75%	60 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Share Certificate	2.715%	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Certificate	1.982%	2.00%	6 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month IRA Certificate Plus (Traditional, Roth or Educational)	1.982%	2.00%	6 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Share Certificate	1.982%	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Savings Rates

Product	Rate	APY
High Yield Savings	1.982%	2.00%
Min Deposit $0 Min Balance $1 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
HSA Savings	0.598%	0.60%
Min Deposit $0 Min Balance $10 Details Available to existing accountholders only; not currently opening new HSAs; Fees could reduce earnings on the account Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Additional Savings	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Primary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Savings Education IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Savings IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Savings ROTH IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Money Market Rates

Product	Rate	APY
Money Market Accounts	0.399%	0.40%
Min Deposit $2,500 Min Balance $250,000 Details Minimum Balance to Earn Dividends: $250,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Money Market Accounts	0.299%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Minimum Balance to Earn Dividends: $100,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Money Market Accounts	0.199%	0.20%
Min Deposit $2,500 Min Balance $50,000 Details Minimum Balance to Earn Dividends: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Money Market Accounts	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Minimum Balance to Earn Dividends: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Money Market Accounts	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Minimum Balance to Earn Dividends: $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Business Money Market Rates

Product	Rate	APY
Business Money Market Accounts	0.399%	0.40%
Min Deposit $5,000 Min Balance $250,000 Details Minimum Balance to Earn Dividends: $250,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Money Market Accounts	0.299%	0.30%
Min Deposit $5,000 Min Balance $100,000 Details Minimum Balance to Earn Dividends: $100,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Money Market Accounts	0.199%	0.20%
Min Deposit $5,000 Min Balance $50,000 Details Minimum Balance to Earn Dividends: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Money Market Accounts	0.10%	0.10%
Min Deposit $5,000 Min Balance $25,000 Details Minimum Balance to Earn Dividends: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Money Market Accounts	0.05%	0.05%
Min Deposit $5,000 Min Balance $5,000 Details Minimum Balance to Earn Dividends: $5,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Checking Rates

Product	Rate	APY
High Yield Checking	4.649%	4.75%
Min Deposit $1,000 Min Balance $0 Details Minimum: $1,000 Direct Deposit; Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.01% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
UIC Ignite Checking	2.52%	2.55%
Min Deposit $0 Min Balance $0 Details Net Direct Deposit required to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Plus Checking Account	0.01%	0.01%
Min Deposit $500 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Premium Plus Checking Account	0.01%	0.01%
Min Deposit $500 Min Balance $0 Details Requires aggregate relationship with CU1 of $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Business Checking Rates

Product	Rate	APY
Business Elite Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Minimum Balance Requirement: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Performance Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Minimum Balance Requirement: $5,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC) - Up to 50% CLTV Primary Residence Only	-	-	6.50%
Details Line of Credit Limit: $10,000 - $700,000; Promotional offer: Fixed Rate Promo as low as 2.99% APR for first 3 months; Then Variable Rate as low as Prime - 0.51% APR (currently at 6.50% APR) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Line of Credit (HELOC) - Up to 80% CLTV Primary Residence Only	-	-	7.00%
Details Line of Credit Limit: $10,000 - $700,000; Promotional offer: Fixed Rate Promo as low as 2.99% APR for first 3 months; Then Variable Rate as low as Prime - 0.51% APR (currently at 7.00% APR) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Fixed Rate Home Equity Loan - Up to 80% CLTV - Owner Occupied	-	-	7.06%
Details As Low As; Terms: 5, 10, 15, 20 years; Line of Credit Limit: $10,000 - $700,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity HELOC - Interest Only Payment Up to 80% CLTV - Primary Residence Only	-	-	7.25%
Details As Low As; Fixed Rate Promo for the first 3 Months; Then Variable Rate as low as Prime + 0.24% APR; Currently at: 7.25% APR; Line of Credit Limit: $10,000 - $500,000; Primary Residence Only Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Fixed Rate Home Equity Loan - Up to 90% CLTV - Owner Occupied	-	-	7.32%
Details As Low As; Terms: 5, 10, 15, 20 years; Line of Credit Limit: $10,000 - $350,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Line of Credit (HELOC) - Up to 90% CLTV Primary Residence Only	-	-	8.00%
Details Line of Credit Limit: $10,000 - $350,000; Promotional offer: Fixed Rate Promo as low as 3.99% APR for first 3 months; Then Variable Rate as low as Prime - 0.51% APR (currently at 8.00% APR) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity HELOC - Interest Only Payment Up to 90% CLTV - Primary Residence Only	-	-	8.25%
Details As Low As; Fixed Rate Promo for the first 3 Months; Then Variable Rate as low as Prime + 0.24% APR; Currently at: 8.25% APR; Line of Credit Limit: $10,000 - $350,000; Primary Residence Only Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity HELOC - Secondary Residence Only - Up to 70% CLTV	-	-	8.50%
Details As Low As; Secondary Residence Only; Line of Credit Limit: $10,000 - $250,000; Promotional Offer: Fixed Rate Promo as low as 2.99% APR for the first 3 Months; Then Variable Rate as low as Prime + 1.49% APR; Currently at: 8.50% APR Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity HELOC - Secondary Residence Only - Up to 80% CLTV	-	-	9.00%
Details As Low As; Secondary Residence Only; Line of Credit Limit: $10,000 - $500,000; Promotional Offer: Fixed Rate Promo as low as 2.99% APR for the first 3 Months; Then Variable Rate as low as Prime + 1.49% APR; Currently at: 9.00% APR Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Fixed Rate Home Equity Loan - Up to 70% CLTV - 2nd Home	-	-	9.15%
Details As Low As; Terms: 5, 10, 15, 20 years; Line of Credit Limit: $10,000 - $250,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Fixed Rate Home Equity Loan - Up to 80% CLTV - 2nd Home	-	-	9.41%
Details As Low As; Terms: 5, 10, 15, 20 years; Line of Credit Limit: $10,000 - $500,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Line of Credit (HELOC) - Up to 100% CLTV Primary Residence Only	-	-	9.50%
Details Line of Credit Limit: $10,000 - $250,000; Promotional offer: N/A; Then Variable Rate as low as Prime - 0.51% APR (currently at 9.50% APR) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Line of Credit (HELOC) - Investment Properties Interest Only Payment Up to 60% CLTV	-	-	9.74%
Details Investment Properties Only; Interest Only Payment; Line of Credit Limit: $10,000 - $250,000; Variable Rate as low as Prime + 2.99% APR; Currently at: 9.74% APR; HELOC has a floor rate of 3.74% APR; maximum rate 18.00% APR Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Line of Credit (HELOC) - Investment Properties Interest Only Payment Up to 70% CLTV	-	-	10.24%
Details Investment Properties Only; Interest Only Payment; Line of Credit Limit: $10,000 - $250,000; Variable Rate as low as Prime + 2.99% APR; Currently at: 10.24% APR; HELOC has a floor rate of 3.74% APR; maximum rate 18.00% APR Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Auto 2025 & Newer	3.74%	-	3.99%	36 Months
Details As Low As; Model Year: New Auto 2025 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer	3.99%	-	4.18%	48 Months
Details As Low As; Model Year: New Auto 2025 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer	4.24%	-	4.39%	60 Months
Details As Low As; Model Year: New Auto 2025 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer	4.74%	-	4.87%	72 Months
Details As Low As; Model Year: New Auto 2025 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2023 - 2024	4.74%	-	4.99%	36 Months
Details As Low As; Model Year: 2023 - 2024 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2023 - 2024	4.99%	-	5.18%	48 Months
Details As Low As; Model Year: 2023 - 2024 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.18% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer	5.24%	-	5.35%	84 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Loan terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2023 - 2024	5.24%	-	5.40%	60 Months
Details As Low As; Model Year: 2023 - 2024 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2023 - 2024	5.74%	-	5.87%	72 Months
Details As Low As; Model Year: 2023 - 2024 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.87% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2020 - 2022	5.74%	-	5.99%	36 Months
Details As Low As; Model Year: 2020 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2020 - 2022	5.99%	-	6.18%	48 Months
Details As Low As; Model Year: 2020 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.18% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2015 - 2019	5.99%	-	6.24%	36 Months
Details As Low As; Model Year: 2015 - 2019 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2023 - 2024	6.24%	-	6.36%	84 Months
Details As Low As; Model Year: 2023 - 2024; Loan terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.36% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2020 - 2022	6.24%	-	6.40%	60 Months
Details As Low As; Model Year: 2020 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2015 - 2019	6.24%	-	6.43%	48 Months
Details As Low As; Model Year: 2015 - 2019 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.43% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2020 - 2022	6.49%	-	6.62%	72 Months
Details As Low As; Model Year: 2020 - 2022 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.62% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2015 - 2019	6.49%	-	6.65%	60 Months
Details As Low As; Model Year: 2015 - 2019 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2020 - 2022	6.74%	-	6.86%	84 Months
Details As Low As; Model Year: 2020 - 2022; Loan terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.86% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2015 - 2019	6.74%	-	6.87%	72 Months
Details As Low As; Model Year: 2015 - 2019 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.87% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2014 & Older	6.99%	-	7.24%	36 Months
Details As Low As; Model Year: 2014 & Older Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2014 & Older	7.49%	-	7.69%	48 Months
Details As Low As; Model Year: 2014 & Older Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.69% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loan - 2014 & Older	7.99%	-	8.15%	60 Months
Details As Low As; Model Year: 2014 & Older Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans - Boats	7.99%	8.08%	Up to 180 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - Motorcycles	7.99%	8.16%	Up to 84 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft	8.24%	8.47%	Up to 60 Months
Details As Low As; Model Year: 2021 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - Boats	8.99%	9.08%	Up to 180 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers	8.99%	9.08%	Up to 180 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - Motorcycles	8.99%	9.16%	Up to 84 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans - RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers	9.99%	10.09%	Up to 180 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Personal Loan Rates

Product	APR	Term
Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft	8.47%	Up to 60 Months
Details As Low As; Model Year: 2021 & Newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	14.60%	Up to 36 months
Details As Low As; $124 Processing Fee; minimum loan amount $5,000, maximum loan amount $48,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.60% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	16.65%	Up to 48 months
Details As Low As; $124 Processing Fee; minimum loan amount $5,000, maximum loan amount $48,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 16.65% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	16.85%	Up to 60 months
Details As Low As; $124 Processing Fee; minimum loan amount $10,000 for a 60-month term, maximum loan amount $48,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 16.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Other Rates

Product	Rate	Points	APY/APR	Term
ModernFI Sweep Account	0.299%	-	0.30%
Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 12 Months	3.202%	-	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 12 Months	3.202%	-	3.25%	12 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 24 Months	2.959%	-	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 24 Months	2.959%	-	3.00%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 36 Months	2.959%	-	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 36 Months	2.959%	-	3.00%	36 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 48 Months	2.715%	-	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 48 Months	2.715%	-	2.75%	48 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 6 Months	1.982%	-	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 6 Months	1.982%	-	2.00%	6 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 60 Months	2.715%	-	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Share Certificate - 60 Months	2.715%	-	2.75%	60 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Credit Union 1 Credit Union Rantoul, IL’s Texas Ratio fell from 9.64% in Q3 2023 to 8.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
June 30, 2026	$2.9B	8.90%	5.0	A
March 31, 2026	$2.6B	8.37%	5.0	A
December 31, 2025	$2.3B	9.20%	5.0	A
September 30, 2025	$2.3B	7.86%	5.0	A
June 30, 2025	$1.9B	9.09%	5.0	A
March 31, 2025	$1.9B	8.15%	5.0	A
December 31, 2024	$1.9B	10.16%	5.0	A
September 30, 2024	$1.9B	7.88%	5.0	A
June 30, 2024	$1.7B	6.98%	5.0	A
March 31, 2024	$1.7B	8.23%	5.0	A
December 31, 2023	$1.7B	9.97%	5.0	A
September 30, 2023	$1.6B	9.64%	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 Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union 1 Credit Union Rantoul, IL

Website https://www.creditunion1.org

Address 450 E 22nd St Ste 250, Lombard, IL 60148-6176

Phone 800-252-6950

Fax

President Robert Eberhardt

CEO Todd Gunderson

Full-Time Employees 609

Part-Time Employees 39

Branch Locations 49

ATM Locations 41

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.90%

Return on Assets (ROA)

0.7804%

Return on Equity (ROE)

8.1546%

Non-Performing Loans Ratio (NPL)

1.35%

Total Assets

2,869,898,466

Total Amount of Shares and Deposits

2,413,455,909

Total Shares and Deposits < 1 Year

2,277,749,176

Total Shares and Deposits 1 3 Years

108,278,982

Total Shares and Deposits > 3 Years

27,427,750

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

33,196,263

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

97,313,583

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

2,316,142,326

Total Interest Expense (Sum of items 6 8)

20,648,900

Share Certificates

10,489

Number of Accounts for Share Drafts

105,144

IRA KEOGH Accounts

4,008

Number of Accounts for Regular Shares

198,167

Non Member Deposits

Money Market Shares

2,915

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

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

265,103,898

Total Liabilities

2,615,537,506

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Credit Union 1 Credit Union Rantoul, IL earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Credit Union 1 Credit Union Rantoul, IL

Does Credit Union 1 Credit Union Rantoul, IL offer CDs?

Yes. Credit Union 1 Credit Union Rantoul, IL current CD rates include its CD - 3 month at 3.75% APY, its 12 Month CD at 3.25% APY and its 24 Month CD at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Credit Union 1 Credit Union Rantoul, IL NCUA insured?

Yes. Credit Union 1 Credit Union Rantoul, IL is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Credit Union 1 Credit Union Rantoul, IL?

The highest Credit Union 1 Credit Union Rantoul, IL CD rate is its CD - 3 month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Credit Union 1 Credit Union Rantoul, IL offer?

Credit Union 1 Credit Union Rantoul, IL CD rates are 3.75% APY for a 3 month CD, 3.25% APY for a 12 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 2.75% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union 1 Credit Union Rantoul, IL for its full lineup.

What is the highest savings rate at Credit Union 1 Credit Union Rantoul, IL?

The highest Credit Union 1 Credit Union Rantoul, IL savings rate is its High Yield Savings at 2.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Credit Union 1 Credit Union Rantoul, IL?

The highest Credit Union 1 Credit Union Rantoul, IL money market rate is its Business Money Market Accounts at 0.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Credit Union 1 Credit Union Rantoul, IL?

The highest Credit Union 1 Credit Union Rantoul, IL checking rate is its High Yield Checking at 4.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Credit Union 1 Credit Union Rantoul, IL?

The lowest Credit Union 1 Credit Union Rantoul, IL auto loan rate is its Auto Loan - New Auto 2025 & Newer at 3.74%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Credit Union 1 Credit Union Rantoul, IL?

The lowest Credit Union 1 Credit Union Rantoul, IL personal loan rate is its Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft at 8.24%, verified by MonitorBankRates as of October 30, 2026.

How many branches does Credit Union 1 Credit Union Rantoul, IL operate?

Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL?

Yes, to access services at Credit Union 1 Credit Union Rantoul, IL, 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, Credit Union 1 Credit Union Rantoul, IL 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, Credit Union 1 Credit Union Rantoul, IL provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union 1 Credit Union Rantoul, IL offer online and mobile banking?

Most modern institutions like Credit Union 1 Credit Union Rantoul, IL 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.creditunion1.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 Credit Union 1 Credit Union Rantoul, IL rates compare?

Credit Union 1 Credit Union Rantoul, IL's CD rates are 8% higher than the MonitorBankRates national average, and it has an A health rating. Credit Union 1 Credit Union Rantoul, IL's top rates are its CD - 3 month at 3.75% APY, its High Yield Savings at 2.00% APY, its Business Money Market Accounts at 0.40% APY, its High Yield Checking at 4.75% APY and its Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft at 8.47% APR, verified by MonitorBankRates on October 30, 2026.

Current Credit Union 1 Credit Union Rantoul, IL Rates

12-Month CD3.25%
24-Month CD3.00%
60-Month CD2.75%
Savings2.00%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Credit Union 1 Credit Union Rantoul, IL Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union 1 Credit Union Rantoul, IL Texas Ratio

Credit Union 1 Credit Union Rantoul, IL Health Trend

Credit Union 1 Credit Union Rantoul, IL CD Rates

Credit Union 1 Credit Union Rantoul, IL Savings Rates

Credit Union 1 Credit Union Rantoul, IL Money Market Rates

Credit Union 1 Credit Union Rantoul, IL Business Money Market Rates

Credit Union 1 Credit Union Rantoul, IL Checking Rates

Credit Union 1 Credit Union Rantoul, IL Business Checking Rates

Credit Union 1 Credit Union Rantoul, IL Home Equity & HELOC

Credit Union 1 Credit Union Rantoul, IL Auto Loan Rates

Credit Union 1 Credit Union Rantoul, IL RV, Boat and Powersport Loan Rates

Credit Union 1 Credit Union Rantoul, IL Personal Loan Rates

Credit Union 1 Credit Union Rantoul, IL Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union 1 Credit Union Rantoul, IL earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union 1 Credit Union Rantoul, IL

Does Credit Union 1 Credit Union Rantoul, IL offer CDs?

Are CDs from Credit Union 1 Credit Union Rantoul, IL NCUA insured?

What is the highest CD rate at Credit Union 1 Credit Union Rantoul, IL?

What CD terms does Credit Union 1 Credit Union Rantoul, IL offer?

What is the highest savings rate at Credit Union 1 Credit Union Rantoul, IL?

What is the highest money market rate at Credit Union 1 Credit Union Rantoul, IL?

What is the highest checking rate at Credit Union 1 Credit Union Rantoul, IL?

What is the lowest auto loan rate at Credit Union 1 Credit Union Rantoul, IL?

What is the lowest personal loan rate at Credit Union 1 Credit Union Rantoul, IL?

How many branches does Credit Union 1 Credit Union Rantoul, IL operate?

Is a member application needed to join Credit Union 1 Credit Union Rantoul, IL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union 1 Credit Union Rantoul, IL offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Credit Union 1 Credit Union Rantoul, IL rates compare?

Current Credit Union 1 Credit Union Rantoul, IL Rates

Compare to Other Credit Unions