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%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Credit Union 1 Credit Union Rantoul, IL

iAdvertiser Disclosure

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

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Credit Union 1 Credit Union Rantoul, IL's top rates as of October 10, 2026 are 3.85% APY on its 7 Month CD (CD), 2.00% APY on savings, 4.75% APY on checking, and rv, boat and powersport loans from 8.47% APR, according to rates verified by MonitorBankRates. Other Credit Union 1 Credit Union Rantoul, IL CD rates include 7 Month Traditional IRA CD at 3.85%, 15 Month CD (CD) at 3.70%, and 15 Month Traditional IRA CD at 3.70%. 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 10/10/2026.

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 Q2 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

Customer Reviews

Be the first to review

Write a Review

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
7 Month Share Certificate (CD)	3.784%	3.85%	7 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
7 Month Traditional IRA Certificate	3.784%	3.85%	7 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
15 Month Share Certificate (CD)	3.639%	3.70%	15 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
15 Month Traditional IRA Certificate	3.639%	3.70%	15 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month Share Certificate (CD)	3.202%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month Share Certificate Plus (CD)	3.202%	3.25%	12 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
12 Month Traditional IRA Certificate	3.202%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Share Certificate (CD)	2.959%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Share Certificate Plus (CD)	2.959%	3.00%	24 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Traditional IRA Certificate	2.959%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Share Certificate (CD)	2.959%	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Share Certificate Plus (CD)	2.959%	3.00%	36 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Traditional IRA Certificate	2.959%	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Share Certificate (CD)	2.715%	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Share Certificate Plus (CD)	2.715%	2.75%	48 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Traditional IRA Certificate	2.715%	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Share Certificate (CD)	2.715%	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Share Certificate Plus (CD)	2.715%	2.75%	60 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Traditional IRA Certificate	2.715%	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Share Certificate (CD)	1.982%	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Share Certificate Plus (CD)	1.982%	2.00%	6 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Traditional IRA Certificate	1.982%	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%

Credit Union 1 Credit Union Rantoul, IL Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificates Plus (CD)	3.202%	3.25%	12 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 12 month	3.202%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
24 Month Business Share Certificates Plus (CD)	2.959%	3.00%	24 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
36 Month Business Share Certificates Plus (CD)	2.959%	3.00%	36 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 24 month	2.959%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 36 month	2.959%	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
48 Month Business Share Certificates Plus (CD)	2.715%	2.75%	48 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
60 Month Business Share Certificates Plus (CD)	2.715%	2.75%	60 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 48 month	2.715%	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 60 month	2.715%	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
6 Month Business Share Certificates Plus (CD)	1.982%	2.00%	6 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Business Share Certificates (CD) - 6 month	1.982%	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 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	View More
High Yield Savings	1.982%	2.00%
Min Deposit $0 Min Balance $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 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: Direct Deposit Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
High Yield Checking	-	4.75%
Min Balance $10,000 Details Qualifications Required: qualifying monthly transactions; Earn 4.75% APY on balances up to $10,000 when you make qualifying monthly transactions. Free Digital Banking and Online Bill Pay. Get Paid Up to Two Days Sooner with Direct Deposit. And More! Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APY · checked 6 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 Balance: $0.01 and Net Direct Deposit; Minimum: $0 and Net Direct Deposit; Qualifications Required: Net Direct Deposit Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 6 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	Term
Fixed Rate Home Equity Loan	6.25%	-	7.21%	5-year
Details Loan Payment Example: A Home Equity Loan of $30,000 at 6.25% rate (7.21% APR) for a 5-year term would result in a monthly payment of approximately $583.48. Home Equity Loan payment examples do not include taxes and insurance premiums. Home Equity Loans do not escrow for taxes and insurance. These premiums will be paid separately from the Home Equity Loan principal and interest payment. Property insurance is required on all Home Equity loans. A statement of property insurance will be requested prior to loan origination. Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.21% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Up to 80% CLTV - Owner Occupied	-	-	7.21%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $700,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.21% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Up to 90% CLTV - Owner Occupied	-	-	7.46%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $350,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.46% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Up to 70% CLTV - 2nd Home	-	-	9.25%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $250,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Home Equity Up to 80% CLTV - 2nd Home	-	-	9.50%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $500,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times 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
New Auto 2025 & Newer - 36 Months	3.74%	-	3.99%	36 Months
Details Model Year: New Auto 2025 & Newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
New Auto 2025 & Newer - 48 Months	3.99%	-	4.18%	48 Months
Details Model Year: New Auto 2025 & Newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.18% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loans	4.24%	-	4.39%	60-month
Details Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 4.39% ▼ 1.01 pts · high 5.40% / low 4.39% Oct 10, 20264.39%▼ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
New Auto 2025 & Newer - 60 Months	4.24%	-	4.39%	60 Months
Details Model Year: New Auto 2025 & Newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
New Auto 2025 & Newer - 72 Months	4.74%	-	4.87%	72 Months
Details Model Year: New Auto 2025 & Newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2023 - 2024 - 36 Months Loan	4.74%	-	4.99%	36 Months
Details Model Year: 2023 - 2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2023 - 2024 - 48 Months Loan	4.99%	-	5.18%	48 Months
Details Model Year: 2023 - 2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.18% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
New Auto 2025 & Newer - 84 Months	5.24%	-	5.35%	84 Months
Details Model Year: New Auto 2025 & Newer Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2023 - 2024 - 60 Months Loan	5.24%	-	5.40%	60 Months
Details Model Year: 2023 - 2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2023 - 2024 - 72 Months Loan	5.74%	-	5.87%	72 Months
Details Model Year: 2023 - 2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2020 - 2022 - 36 Months Loan	5.74%	-	5.99%	36 Months
Details Model Year: 2020 - 2022 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2020 - 2022 - 48 Months Loan	5.99%	-	6.18%	48 Months
Details Model Year: 2020 - 2022 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.18% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2015 - 2019 - 36 Months Loan	5.99%	-	6.24%	36 Months
Details Model Year: 2015 - 2019 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2023 - 2024 - 84 Months Loan	6.24%	-	6.36%	84 Months
Details Model Year: 2023 - 2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.36% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2020 - 2022 - 60 Months Loan	6.24%	-	6.40%	60 Months
Details Model Year: 2020 - 2022 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2015 - 2019 - 48 Months Loan	6.24%	-	6.43%	48 Months
Details Model Year: 2015 - 2019 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.43% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2020 - 2022 - 72 Months Loan	6.49%	-	6.62%	72 Months
Details Model Year: 2020 - 2022 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.62% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2015 - 2019 - 60 Months Loan	6.49%	-	6.65%	60 Months
Details Model Year: 2015 - 2019 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2020 - 2022 - 84 Months Loan	6.74%	-	6.86%	84 Months
Details Model Year: 2020 - 2022 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.86% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2015 - 2019 - 72 Months Loan	6.74%	-	6.87%	72 Months
Details Model Year: 2015 - 2019 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2014 & Older - 36 Months Loan	6.99%	-	7.24%	36 Months
Details Model Year: 2014 & Older Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2014 & Older - 48 Months Loan	7.49%	-	7.69%	48 Months
Details Model Year: 2014 & Older Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto Loans	7.99%	-	8.08%	73-84 months
Details Loan terms of 73-84 months require a minimum loan amount of $15,000. Rates shown are available to qualified borrowers. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.08% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Auto - 2014 & Older - 60 Months Loan	7.99%	-	8.15%	60 Months
Details Model Year: 2014 & Older Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.15% APR · checked 5 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
Boats Loan	7.99%	8.08%	Up to 180 Months
Details Model Year: 2026 & Newer Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.08% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans	7.99%	8.08%	36 months
Details Recreational vehicle loans have a minimum loan amount of $5,000, a minimum term of 36 months, and a floor rate of 7.99% rate (8.08% APR). Minimum loan amount requirements vary by term, including: $30,000 for 84-month terms2; $35,000 for 84-144 month terms3; and $70,000 for 180-month terms3. Processing fees include $124 for all recreational vehicle loans; UCC filing fees are $40, when applicable. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Motorcycles Loan	7.99%	8.16%	Up to 84 Months
Details Model Year: 2026 & Newer Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.16% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Powersport: ATV, UTV, Snowmobile & Personal Watercraft Loan	8.24%	8.47%	Up to 60 Months
Details Model Year: 2021 & Newer Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans	8.24%	8.47%	60 months
Details Loan Payment Example: A $10,000 loan at 8.24% rate (8.47% APR) for 60 months results in an estimated monthly payment of $203.91. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.47% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Boats Loan	8.99%	9.08%	Up to 180 Months
Details Model Year: 2017 - 2025 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.08% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Recreational Vehicle Loans	8.99%	9.08%	84 months
Details Loan Payment Examples: A $35,000 loan at 8.99% rate (9.08% APR) for 84 months results in an estimated monthly payment of $562.94. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.08% → 9.08% ▲ 1.00 pts · high 9.08% / low 8.08% Sep 27, 20269.08%▲ from 8.08% Sep 14, 20268.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers Loan	8.99%	9.08%	Up to 180 Months
Details Model Year: 2026 & Newer Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.08% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Motorcycles Loan	8.99%	9.16%	Up to 84 Months
Details Model Year: 2017 - 2025 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.16% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers Loan	9.99%	10.09%	Up to 180 Months
Details Model Year: 2017 - 2025 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.09% APR · checked 6 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
Powersport: ATV, UTV, Snowmobile & Personal Watercraft Loan	8.47%	Up to 60 Months
Details Model Year: 2021 & Newer Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	14.60%	Up to 36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.60% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	16.65%	Up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Signature Loan	16.85%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.85% APR · checked 6 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
Interest Only Payment Up to 80% CLTV - Primary Residence Only Loan	-	-	7.25%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as 2.99% APR; Then Variable Rate as low as Prime + 0.24% APR; Currently at: 7.25% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Interest Only Payment Up to 90% CLTV - Primary Residence Only Loan	-	-	8.25%
Details Intro/promo APR: 3.99%; Fixed Rate Promo as low as 3.99% APR; Then Variable Rate as low as Prime + 0.24% APR; Currently at: 8.25% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 100% CLTV - Primary Residence Only Loan	-	-	9.50%
Details N/A; Then Variable Rate as low as Prime + 0.00% APR 1; Currently at: 9.50% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 50% CLTV - Primary Residence Only Loan	-	-	6.50%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as 2.99% APR; Then Variable Rate as low as Prime + 0.00% APR 1; Currently at: 6.50% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 70% CLTV - Secondary Residence Only Loan	-	-	8.50%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as 2.99% APR; Then Variable Rate as low as Prime + 1.99% APR 1; Currently at: 8.50% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 80% CLTV - Primary Residence Only Loan	-	-	7.00%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as 2.99% APR; Then Variable Rate as low as Prime + 0.00% APR 1; Currently at: 7.00% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 80% CLTV - Secondary Residence Only Loan	-	-	9.00%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as 2.99% APR; Then Variable Rate as low as Prime + 1.99% APR 1; Currently at: 9.00% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.90%
Up to 90% CLTV - Primary Residence Only Loan	-	-	8.00%
Details Intro/promo APR: 3.99%; Fixed Rate Promo as low as 3.99% APR; Then Variable Rate as low as Prime + 0.00% APR 1; Currently at: 8.00% APR Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.00% APR · checked 4 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

Q2 2026 MBR Health & Safety Badge

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

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/credit-union-1-credit-union-rates-review-68727">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Credit Union 1 Credit Union Rantoul, IL 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Credit Union 1 Credit Union Rantoul, IL

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

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.

Current Credit Union 1 Credit Union Rantoul, IL Rates

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

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 October 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 Business CD Rates

Credit Union 1 Credit Union Rantoul, IL Savings Rates

Credit Union 1 Credit Union Rantoul, IL 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

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?

Current Credit Union 1 Credit Union Rantoul, IL Rates

Compare to Other Credit Unions