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iAdvertiser Disclosure
Advertiser Disclosure
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 District 123 Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 14, 2026
District 123 Federal Credit Union's Personal Loan Rates are at 5.99%. MonitorBankRates evaluates the financial stability of District 123 Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/14/2026. District 123 Federal 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 District 123 Federal Credit Union? Share your experience about District 123 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use District 123 Federal Credit Union. District 123 Federal Credit Union
corporate 10425 S Kolmar Ave
https://d123.virtualcu.net/ Oak Lawn, IL 60453 4847 
District 123 Federal Credit Union Student Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for District 123 Federal 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 District 123 Federal 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 District 123 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
District 123 Federal Credit Union
Website
https://d123.virtualcu.net/
Address
10425 S Kolmar Ave,
Oak Lawn, IL 60453 4847
Phone
708-952-7749
Fax
708-857-5742
President
Jane Savaglio
CEO
Kathryn Frederick
Full-Time Employees
0
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
-1.0005%
Return on Equity (ROE)
-2.9535%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
2,032,878
Total Amount of Shares and Deposits
1,342,507
Total Shares and Deposits < 1 Year
1,342,507
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,342,507
Total Interest Expense (Sum of items 6 8)
30,711
Number of Accounts for Regular Shares
277
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
372,736
Total Liabilities
1,344,278
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About District 123 Federal Credit UnionIs District 123 Federal Credit Union a safe place to deposit money?Yes, District 123 Federal Credit Union is considered a safe financial institution. 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 District 123 Federal Credit Union operate?District 123 Federal 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 District 123 Federal Credit Union?Yes, to access services at District 123 Federal 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, District 123 Federal 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, District 123 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does District 123 Federal Credit Union offer online and mobile banking?Most modern institutions like District 123 Federal 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://d123.virtualcu.net/. Compare to Other Credit Unions
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