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Gale Credit Union

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Gale Credit Union Rates & Review March 2026

Q: How many branches does Gale Credit Union operate?

Gale 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.

Q: Is a member application needed to join Gale Credit Union?

Yes, to access services at Gale 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.

Q: Is there a first-time homebuyer program?

Currently, Gale 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gale Credit Union 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: March 29, 2026

You can compare Gale Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.85%, 6-month share certificate rates at 1.25% and 3-month share certificate rates at 0.10%. Savings rates are at 0.65% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Gale Credit Union rates. MonitorBankRates evaluates the financial stability of Gale Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.10%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.10%

Excellent Lower than avg

Gale Credit Union
Main Gale Credit Union

631 N Henderson St
Galesburg, IL 61401

https://www.galecu.net

Gale Credit Union Credit Card Rates

Product	Rate	APR	View More
WILD LOW FIXED RATE VISA	-	8.90%
Details As Low As Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gale 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 Gale 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 Gale Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gale Credit Union

Website https://www.galecu.net

Address 631 N Henderson St, Galesburg, IL 61401

Phone 309-343-1777

Fax 309-343-2497

President James McNabb

CEO Randy McElwee

Full-Time Employees 20

Part-Time Employees 2

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.10%

Return on Assets (ROA)

0.7537%

Return on Equity (ROE)

6.6722%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

65,433,918

Total Amount of Shares and Deposits

57,830,707

Total Shares and Deposits < 1 Year

56,466,263

Total Shares and Deposits 1 3 Years

1,315,093

Total Shares and Deposits > 3 Years

49,351

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

1,400,969

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

1,400,969

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

56,429,738

Total Interest Expense (Sum of items 6 8)

644,814

Share Certificates

792

Number of Accounts for Share Drafts

2,453

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,050

All other shares

258

Net Income (unless the amount is already included in Undivided Earnings)

493,168

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

765,538

Total Liabilities

58,042,545

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Gale Credit Union

Is Gale Credit Union a safe place to deposit money?

Yes, Gale Credit Union is considered a safe financial institution. With a Texas Ratio of 1.1031779887174%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Gale Credit Union operate?

Gale 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 Gale Credit Union?

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

Does Gale Credit Union offer online and mobile banking?

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