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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Illinois State 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 2, 2026
Illinois State Credit Union's 48 month CD rates are at 3.75%, 36 month CD rates are at 3.70%, IRA 36 month CD rates are at 3.70%, 24 month CD rates are at 3.65%, IRA 24 month CD rates are at 3.65%. Illinois State Credit Union's savings rates are at 0.50%. Illinois State Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Illinois State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.44%. Rates were last updated on 04/02/2026. Illinois State 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 Illinois State Credit Union? Share your experience about Illinois State Credit Union by leaving a review below, or read customer reviews before you decide to use Illinois State Credit Union. Illinois State Credit Union
Illinois State Credit Union 1309 S Center St
https://www.itsmycreditunion.org Normal, IL 61761 3458 
Illinois State Credit Union CD Rates
Illinois State Credit Union Savings Rates
Illinois State Credit Union Money Market Rates
Illinois State Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Illinois State 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 Illinois State 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 Illinois State Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Illinois State Credit Union
Website
https://www.itsmycreditunion.org
Address
1309 S Center St,
Normal, IL 61761 3458
Phone
309-451-8400
Fax
309-451-8410
President
Larry Quane
CEO
Thom Ewen
Full-Time Employees
59
Part-Time Employees
4
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.44%
Return on Assets (ROA)
0.4749%
Return on Equity (ROE)
4.3429%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
228,238,982
Total Amount of Shares and Deposits
200,870,685
Total Shares and Deposits < 1 Year
195,294,997
Total Shares and Deposits 1 3 Years
4,118,801
Total Shares and Deposits > 3 Years
1,456,887
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,760,779
Total Uninsured Shares and Deposits > $250K (F+J)
2,760,779
Total Insured Shares and Deposits > $250K (item 17 less item K)
198,109,906
Total Interest Expense (Sum of items 6 8)
2,653,795
Share Certificates
2,158
Number of Accounts for Share Drafts
10,760
IRA KEOGH Accounts
216
Number of Accounts for Regular Shares
27,937
All other shares
1,087
Non Member Deposits
7
Money Market Shares
363
Net Income (unless the amount is already included in Undivided Earnings)
1,083,958
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,654,438
Total Liabilities
203,295,525
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Illinois State Credit UnionIs Illinois State Credit Union a safe place to deposit money?Yes, Illinois State Credit Union is considered a safe financial institution. With a Texas Ratio of 4.4361859848966%, 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 Illinois State Credit Union operate?Illinois State 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 Illinois State Credit Union?Yes, to access services at Illinois State 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, Illinois State 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, Illinois State Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Illinois State Credit Union offer online and mobile banking?Most modern institutions like Illinois State 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.itsmycreditunion.org. Current Illinois State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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