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Financial Partners Credit Union Illinois Rates & Review November 2026

Financial Partners Credit Union Illinois's Auto Loan Rates are as low as 3.99%. MonitorBankRates evaluates the financial stability of Financial Partners Credit Union Illinois with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.00%. Rates last updated and verified on 10/29/2026.

Financial Partners Credit Union Illinois money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Partners Credit Union Illinois? Share your experience about Financial Partners Credit Union Illinois by leaving a review below, or read customer reviews before you decide to use Financial Partners Credit Union Illinois.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.00%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Financial Partners Credit Union Illinois
Main Branch
940 N MacArthur Blvd
Springfield, IL 62702-2308
https://www.fpcu.net
Member NCUA
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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.

Financial Partners Credit Union Illinois Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan 3.99% - 3.99% Up to 72 months
Details As Low As; Interest rate range 3.99% to 14.99% (APR range 3.99% to 14.99%) based on credit score; maximum term 72 months; vehicles 5 years and older add 2.00% to each tier; rates are subject to change; new, used, and refinance auto loans
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Financial Partners Credit Union Illinois Other Rates

Product Rate Points APY/APR Term View More
Payday Loan 27.00% - 27.00% 6 months
Details Interest Rate: 27% + $20 fee; $500 limit; $20 fee; Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 27.00% APR · checked 10 times
26.50%27.00%27.50%Sep 14, 2026: 27.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.00%

Financial Health History

Financial Partners Credit Union Illinois’s Texas Ratio rose from 1.42% in Q3 2023 to 9.00% 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 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.42% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 9.00% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$13M9.00%5.0A
March 31, 2026$12M7.84%5.0A
December 31, 2025$12M8.18%5.0A
September 30, 2025$12M8.66%5.0A
June 30, 2025$12M5.54%5.0A+
March 31, 2025$12M0.80%5.0A+
December 31, 2024$11M1.16%5.0A+
September 30, 2024$11M0.69%5.0A+
June 30, 2024$11M1.49%5.0A+
March 31, 2024$11M1.76%5.0A+
December 31, 2023$11M2.55%5.0A+
September 30, 2023$11M1.42%5.0A+
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 Financial Partners Credit Union Illinois is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Financial Partners Credit Union Illinois rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Financial Partners Credit Union Illinois's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Financial Partners Credit Union Illinois
Address 940 N MacArthur Blvd, Springfield, IL 62702-2308
Phone 217-744-1456
Fax 217-744-1454
President Shantel Ruebling
CEO Eric Paine
Full-Time Employees 4
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
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
9.00%
Return on Assets (ROA)
0.0987%
Return on Equity (ROE)
1.3867%
Non-Performing Loans Ratio (NPL)
1.83%
Total Assets
12,727,332
Total Amount of Shares and Deposits
11,775,752
Total Shares and Deposits < 1 Year
11,775,752
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,775,752
Total Interest Expense (Sum of items 6 8)
29,737
Share Certificates
53
Number of Accounts for Share Drafts
595
Number of Accounts for Regular Shares
1,053
All other shares
121
Net Income (unless the amount is already included in Undivided Earnings)
12,558
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
640,133
Total Liabilities
11,821,746
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Financial Partners Credit Union Illinois earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/financial-partners-credit-union-rates-review-60545">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Financial Partners Credit Union Illinois

What is the lowest auto loan rate at Financial Partners Credit Union Illinois?

The lowest Financial Partners Credit Union Illinois auto loan rate is its Auto Loan at 3.99%, verified by MonitorBankRates as of October 29, 2026.

How many branches does Financial Partners Credit Union Illinois operate?

Financial Partners Credit Union Illinois currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Financial Partners Credit Union Illinois?

Yes, to access services at Financial Partners Credit Union Illinois, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Financial Partners Credit Union Illinois does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Partners Credit Union Illinois provides members with tools to manage their accounts and build a solid financial history.

Does Financial Partners Credit Union Illinois offer online and mobile banking?

Most modern institutions like Financial Partners Credit Union Illinois provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fpcu.net.

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 Financial Partners Credit Union Illinois rates compare?

Financial Partners Credit Union Illinois's top rate is its Auto Loan at 3.99% APR, verified by MonitorBankRates on October 29, 2026.