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Illinois Valley Credit Union Rates & Review July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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: July 16, 2026

You can compare Illinois Valley Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 4.03% and 3-month share certificate rates at 0.05%. Savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.97%. All these rates can be compared to Illinois Valley Credit Union rates. MonitorBankRates evaluates the financial stability of Illinois Valley Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.14%. Rates were last updated on 07/16/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.14%
Excellent Higher than avg
Illinois Valley Credit Union
Illinois Valley Credit Union
1311 Shooting Park Rd
Peru, IL 61354
https://www.ivcu.com
Member NCUA

Current Rate Availability

We do not have Illinois Valley Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Illinois Valley 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 Valley 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 Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Illinois Valley Credit Union
Website https://www.ivcu.com
Address 1311 Shooting Park Rd, Peru, IL 61354
Phone 815-224-2666
Fax 815-224-2691
President Polly Ragazincky
CEO Thomas Kist
Full-Time Employees 11
Part-Time Employees 0
Branch Locations 2
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 (97/100)
Texas Ratio
6.14%
Return on Assets (ROA)
0.0725%
Return on Equity (ROE)
0.7232%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
37,211,022
Total Amount of Shares and Deposits
33,436,451
Total Shares and Deposits < 1 Year
27,487,080
Total Shares and Deposits 1 3 Years
5,949,369
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,897,222
Total Uninsured Shares and Deposits > $250K (F+J)
1,897,222
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,539,229
Total Interest Expense (Sum of items 6 8)
265,335
Share Certificates
223
Number of Accounts for Share Drafts
1,388
IRA KEOGH Accounts
64
Number of Accounts for Regular Shares
4,397
Money Market Shares
107
Net Income (unless the amount is already included in Undivided Earnings)
-26,970
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,119,978
Total Liabilities
33,501,765
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Illinois Valley Credit Union 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
0
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Frequently Asked Questions About Illinois Valley Credit Union

How many branches does Illinois Valley Credit Union operate?

Illinois Valley 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 Valley Credit Union?

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

Does Illinois Valley Credit Union offer online and mobile banking?

Most modern institutions like Illinois Valley 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.ivcu.com.

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