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Illinois Valley Credit Union

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Illinois Valley Credit Union Rates & Review November 2026

Q: What are the current interest rates at Illinois Valley Credit Union?

Current rates for Illinois Valley Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 2.00%, MMA: 0.40%

Q: What CD terms does Illinois Valley Credit Union offer?

Illinois Valley Credit Union CD rates are 3.75% APY for a 3 month CD, 3.25% APY for a 12 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 2.75% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Illinois Valley Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Illinois Valley Credit Union's 3 Month CD rates are at 3.75%, 12 Month CD rates are at 3.25%, 24 Month CD rates are at 3.00%, 36 Month CD rates are at 3.00%, 48 Month CD rates are at 2.75%. Illinois Valley Credit Union's savings rates are at 2.00%. Illinois Valley Credit Union's money market rates are at 0.40%. Illinois Valley Credit Union's checking rates are as high as 4.75%. Illinois Valley Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.47%. Illinois Valley Credit Union's Credit Card Rates are at 9.74%. Illinois Valley Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.50%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Illinois Valley Credit Union
Illinois Valley Credit Union

1311 Shooting Park Rd
Peru, IL 61354

https://www.ivcu.com

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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.

Illinois Valley Credit Union CD Rates

Product	Rate	APY	Term
3 Month Share Certificate	3.687%	3.75%	3 Months
Min Deposit $500 Min Balance $500 Details Early Withdrawal Penalty: 90 Days' Dividends; Special 3 Month Share Certificate (limited time offer, auto-rolls to another 3 Month Share Certificate) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
12 Month Certificate	3.202%	3.25%	12 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
12 Month Share Certificate	3.202%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 3.25% ▲ 1.99 pts · high 3.25% / low 1.26% Oct 22, 20263.25%▲ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
24 Month Certificate	2.959%	3.00%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
24 Month Share Certificate	2.959%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 3.00% ▲ 1.24 pts · high 3.00% / low 1.76% Oct 22, 20263.00%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
36 Month Certificate	2.959%	3.00%	36 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
36 Month Share Certificate	2.959%	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.00% ▼ 0.55 pts · high 3.55% / low 3.00% Oct 22, 20263.00%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
48 Month Certificate	2.715%	2.75%	48 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
48 Month Share Certificate	2.715%	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
60 Month Certificate	2.715%	2.75%	60 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
60 Month Share Certificate	2.715%	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
6 Month Certificate	1.982%	2.00%	6 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
6 Month Share Certificate	1.982%	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 2.00% ▼ 1.55 pts · high 3.55% / low 2.00% Oct 29, 20262.00%▼ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificates Plus	3.202%	3.25%	12 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
24 Month Business Share Certificates Plus	2.959%	3.00%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
36 Month Business Share Certificates Plus	2.959%	3.00%	36 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
48 Month Business Share Certificates Plus	2.715%	2.75%	48 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
60 Month Business Share Certificates Plus	2.715%	2.75%	60 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
6 Month Business Share Certificates Plus	1.982%	2.00%	6 Months
Min Deposit $10,000 Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	1.982%	2.00%
Min Deposit $0 Min Balance $1 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
HSA Savings	0.598%	0.60%
Min Deposit $0 Min Balance $10 Details Minimum Balance to Earn Dividends: $10; Available to existing accountholders only; not currently opening new HSAs Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Additional Savings	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Primary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $5 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Savings Education IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Savings IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Savings ROTH IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.399%	0.40%
Min Deposit $2,500 Min Balance $250,000 Details Balance tier: $250,000; Minimum Balance to Earn Dividends: $250,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Money Market Accounts	0.299%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance tier: $100,000; Minimum Balance to Earn Dividends: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Money Market Accounts	0.199%	0.20%
Min Deposit $2,500 Min Balance $50,000 Details Balance tier: $50,000; Minimum Balance to Earn Dividends: $50,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Money Market Accounts	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance tier: $25,000; Minimum Balance to Earn Dividends: $25,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Money Market Accounts	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance tier: $2,500; Minimum Balance to Earn Dividends: $2,500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 0.11% → 0.05% ▼ 0.06 pts · high 0.15% / low 0.05% Oct 22, 20260.05%▼ from 0.15% Sep 22, 20260.15%▲ from 0.11% Sep 14, 20260.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Accounts	0.399%	0.40%
Min Deposit $5,000 Min Balance $250,000 Details Minimum Balance to Earn Dividends: $250,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Money Market Accounts	0.299%	0.30%
Min Deposit $5,000 Min Balance $100,000 Details Minimum Balance to Earn Dividends: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Money Market Accounts	0.199%	0.20%
Min Deposit $5,000 Min Balance $50,000 Details Minimum Balance to Earn Dividends: $50,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Money Market Accounts	0.10%	0.10%
Min Deposit $5,000 Min Balance $25,000 Details Minimum Balance to Earn Dividends: $25,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Money Market Accounts	0.05%	0.05%
Min Deposit $5,000 Min Balance $5,000 Details Minimum Balance to Earn Dividends: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	4.649%	4.75%
Min Deposit $1,000 Min Balance $0 Details Minimum: $1,000 Direct Deposit; Qualifications Required: enrolled in digital banking; enrolled in eStatements for the account; at least 15 CU1 Bill Pay or CU1 Visa debit card transactions per calendar month (or a combination), excluding ATM transactions; minimum aggregate deposits totaling $1,000 per calendar month; Qualifying balance up to $10,000.00; balances over $10,000 earn 0.01% APY Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
UIC Ignite Checking	2.52%	2.55%
Min Deposit $0 Min Balance $0 Details Minimum: $0 and Net Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Plus Checking Account	0.01%	0.01%
Min Deposit $500 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Premium Plus Checking Account	0.01%	0.01%
Min Deposit $500 Min Balance $0 Details Minimum: $500 and aggregate relationship with CU1 of $50,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Business Checking Rates

Product	Rate	APY
Business Elite Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Minimum Balance Requirement: $25,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Performance Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Minimum Balance Requirement: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC Variable Rate	-	-	6.50%
Details As Low As; Current Rate after the 3-month fixed promotional period; Variable Rate Loan; Up to 100% Total Loan to Value; Up to 20 Years Repayment; No Annual Fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Up to 50% CLTV - Primary Residence Only	-	-	6.50%
Details Intro/promo APR: 2.99%; As Low As; Intro fixed rate promo for first 3 months; Intro rate expires: 3 months; Regular APR: 6.50% (currently at); Then variable as low as Prime - 0.51% APR; Line of credit limit $10,000 - $700,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Up to 80% CLTV - Primary Residence Only	-	-	7.00%
Details Intro/promo APR: 2.99%; As Low As; Intro fixed rate promo for first 3 months; Intro rate expires: 3 months; Regular APR: 7.00% (currently at); Then variable as low as Prime - 0.51% APR; Line of credit limit $10,000 - $700,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Fixed Rate Home Equity Loan - Up to 80% CLTV - Owner Occupied	-	-	7.06%	5, 10, 15, 20 years
Details As Low As; Line of Credit Limit: $10,000 - $700,000; Loan rates as of October 13, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Interest Only Payment Up to 80% CLTV - Primary Residence Only	-	-	7.25%
Details As Low As; Promo: Fixed Rate for the first 3 Months as low as 2.99% APR; Currently at: 7.25% APR; Then Variable Rate as low as Prime + 0.24% APR; Line of Credit Limit: $10,000 - $500,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Fixed Rate Home Equity Loan - Up to 90% CLTV - Owner Occupied	-	-	7.32%	5, 10, 15, 20 years
Details As Low As; Line of Credit Limit: $10,000 - $350,000; Loan rates as of October 13, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Up to 90% CLTV - Primary Residence Only	-	-	8.00%
Details Intro/promo APR: 3.99%; As Low As; Intro fixed rate promo for first 3 months; Intro rate expires: 3 months; Regular APR: 8.00% (currently at); Then variable as low as Prime - 0.51% APR; Line of credit limit $10,000 - $350,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Interest Only Payment Up to 90% CLTV - Primary Residence Only	-	-	8.25%
Details As Low As; Promo: Fixed Rate for the first 3 Months as low as 3.99% APR; Currently at: 8.25% APR; Then Variable Rate as low as Prime + 0.24% APR; Line of Credit Limit: $10,000 - $350,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity HELOC - Up to 70% CLTV - Secondary Residence Only	-	-	8.50%
Details Currently at: 8.50% APR; Line of Credit Limit: $10,000 - $250,000; Promotional Offer: Fixed Rate Promo as low as 2.99% APR for first 3 months; Then Variable Rate as low as Prime + 1.99% APR Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity HELOC - Up to 80% CLTV - Secondary Residence Only	-	-	9.00%
Details Currently at: 9.00% APR; Line of Credit Limit: $10,000 - $500,000; Promotional Offer: Fixed Rate Promo as low as 2.99% APR for first 3 months; Then Variable Rate as low as Prime + 1.99% APR Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Fixed Rate Home Equity Loan - Up to 70% CLTV - 2nd Home	-	-	9.15%	5, 10, 15, 20 years
Details As Low As; Line of Credit Limit: $10,000 - $250,000; Loan rates as of October 13, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Fixed Rate Home Equity Loan - Up to 80% CLTV - 2nd Home	-	-	9.41%	5, 10, 15, 20 years
Details As Low As; Line of Credit Limit: $10,000 - $500,000; Loan rates as of October 13, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Home Equity Line of Credit (HELOC) - Up to 100% CLTV - Primary Residence Only	-	-	9.50%
Details Currently at: 9.50% APR; Then variable as low as Prime - 0.51% APR; No fixed rate promo offered; Line of credit limit $10,000 - $250,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	3.74%	-	3.99%	36 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	3.99%	-	4.18%	48 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	4.24%	-	4.39%	60 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	4.74%	-	4.87%	72 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	4.74%	-	4.99%	36 Months
Details As Low As; Model Year: 2023 - 2024; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	4.99%	-	5.18%	48 Months
Details As Low As; Model Year: 2023 - 2024; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.24%	-	5.35%	84 Months
Details As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; Terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.24%	-	5.40%	60 Months
Details As Low As; Model Year: 2023 - 2024; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.74%	-	5.87%	72 Months
Details As Low As; Model Year: 2023 - 2024; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.74%	-	5.99%	36 Months
Details As Low As; Model Year: 2020 - 2022; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.99%	-	6.18%	48 Months
Details As Low As; Model Year: 2020 - 2022; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	5.99%	-	6.24%	36 Months
Details As Low As; Model Year: 2015 - 2019; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.24%	-	6.36%	84 Months
Details As Low As; Model Year: 2023 - 2024; Rates shown include a 0.25% Relationship Discount for qualified borrowers; Terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.36% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.24%	-	6.40%	60 Months
Details As Low As; Model Year: 2020 - 2022; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.24%	-	6.43%	48 Months
Details As Low As; Model Year: 2015 - 2019; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.49%	-	6.62%	72 Months
Details As Low As; Model Year: 2020 - 2022; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.49%	-	6.65%	60 Months
Details As Low As; Model Year: 2015 - 2019; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.74%	-	6.86%	84 Months
Details As Low As; Model Year: 2020 - 2022; Rates shown include a 0.25% Relationship Discount for qualified borrowers; Terms of 73-84 months require a minimum loan amount of $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.74%	-	6.87%	72 Months
Details As Low As; Model Year: 2015 - 2019; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	6.99%	-	7.24%	36 Months
Details As Low As; Model Year: 2014 & Older; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	7.49%	-	7.69%	48 Months
Details As Low As; Model Year: 2014 & Older; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Auto Loan	7.99%	-	8.15%	60 Months
Details As Low As; Model Year: 2014 & Older; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans - Boats	7.99%	8.08%	Up to 180 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - Motorcycles	7.99%	8.16%	Up to 84 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft	8.24%	8.47%	Up to 60 Months
Details As Low As; Model Year: 2021 & Newer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - Boats	8.99%	9.08%	Up to 180 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers	8.99%	9.08%	Up to 180 Months
Details As Low As; Model Year: 2026 & Newer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - Motorcycles	8.99%	9.16%	Up to 84 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Recreational Vehicle Loans - RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers	9.99%	10.09%	Up to 180 Months
Details As Low As; Model Year: 2017 - 2025 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Credit Card Rates

Product	Rate	APR
Investment Properties - Interest Only Payment Up to 60% CLTV Credit Card	-	9.74%
Details Variable Rate as low as Prime + 2.99% APR; Currently at: 9.74% APR; Line of Credit Limit: $10,000 - $250,000; Investment Properties Only Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Investment Properties - Interest Only Payment Up to 70% CLTV Credit Card	-	10.24%
Details Variable Rate as low as Prime + 2.99% APR; Currently at: 10.24% APR; Line of Credit Limit: $10,000 - $250,000; Investment Properties Only Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Personal Loan Rates

Product	APR	Term
Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft	8.47%	Up to 60 Months
Details As Low As; Model Year: 2021 & Newer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Signature Loan	14.60%	Up to 36 months
Details As Low As; Rate as low as 12.99%, APR as low as 14.60%; minimum loan $5,000; maximum loan $48,000; minimum 12-month term; $124 processing fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 14.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Signature Loan	16.65%	Up to 48 months
Details As Low As; Rate as low as 15.49%, APR as low as 16.65%; minimum loan $5,000; maximum loan $48,000; minimum 12-month term; $124 processing fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 16.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Signature Loan	16.85%	Up to 60 months
Details As Low As; Rate as low as 15.74%, APR as low as 16.85%; minimum loan $10,000 for 60-month term; maximum loan $48,000; minimum 12-month term; $124 processing fee Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 16.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Illinois Valley Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
ModernFI Sweep Account	0.299%	-	0.30%
Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 12 Months	3.202%	-	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 24 Months	2.959%	-	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 36 Months	2.959%	-	3.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 48 Months	2.715%	-	2.75%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 6 Months	1.982%	-	2.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate - 60 Months	2.715%	-	2.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

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.

Financial Health History

Illinois Valley Credit Union’s Texas Ratio rose from 1.09% in Q3 2023 to 2.50% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$36M	2.50%	5.0	A+
March 31, 2026	$37M	10.91%	5.0	A
December 31, 2025	$37M	2.50%	5.0	A+
September 30, 2025	$37M	6.14%	5.0	A
June 30, 2025	$38M	3.40%	5.0	A+
March 31, 2025	$38M	5.22%	5.0	A+
December 31, 2024	$38M	5.72%	5.0	A+
September 30, 2024	$39M	2.32%	5.0	A+
June 30, 2024	$39M	4.11%	5.0	A+
March 31, 2024	$39M	2.39%	5.0	A+
December 31, 2023	$37M	3.15%	5.0	A+
September 30, 2023	$36M	1.09%	5.0	A+

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 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 10

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+ (99/100)

Texas Ratio

2.50%

Return on Assets (ROA)

-1.0597%

Return on Equity (ROE)

-10.4761%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

36,289,991

Total Amount of Shares and Deposits

32,434,936

Total Shares and Deposits < 1 Year

26,826,029

Total Shares and Deposits 1 3 Years

5,608,906

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

878,630

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

878,630

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

31,556,306

Total Interest Expense (Sum of items 6 8)

134,667

Share Certificates

182

Number of Accounts for Share Drafts

1,465

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,324

All other shares

134

Money Market Shares

106

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

-384,581

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)

5,783,660

Total Liabilities

32,618,963

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Illinois Valley Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Illinois Valley Credit Union

Does Illinois Valley Credit Union offer CDs?

Yes. Illinois Valley Credit Union current CD rates include its 3 Month CD at 3.75% APY, its 12 Month CD at 3.25% APY and its 24 Month CD at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Illinois Valley Credit Union NCUA insured?

Yes. Illinois Valley Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Illinois Valley Credit Union?

The highest Illinois Valley Credit Union CD rate is its 3 Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Illinois Valley Credit Union offer?

Illinois Valley Credit Union CD rates are 3.75% APY for a 3 month CD, 3.25% APY for a 12 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 2.75% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Illinois Valley Credit Union for its full lineup.

What is the highest savings rate at Illinois Valley Credit Union?

The highest Illinois Valley Credit Union savings rate is its High Yield Savings at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Illinois Valley Credit Union?

The highest Illinois Valley Credit Union money market rate is its Business Money Market Accounts at 0.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Illinois Valley Credit Union?

The highest Illinois Valley Credit Union checking rate is its High Yield Checking at 4.75% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Illinois Valley Credit Union auto loan rate is its Auto Loan at 3.74%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Illinois Valley Credit Union?

The lowest Illinois Valley Credit Union personal loan rate is its Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft at 8.24%, verified by MonitorBankRates as of October 29, 2026.

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.

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 Illinois Valley Credit Union rates compare?

Illinois Valley Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Illinois Valley Credit Union's top rates are its 3 Month CD at 3.75% APY, its High Yield Savings at 2.00% APY, its Business Money Market Accounts at 0.40% APY, its High Yield Checking at 4.75% APY, its Recreational Vehicle Loans - Powersport: ATV, UTV, Snowmobile & Personal Watercraft at 8.47% APR and its Investment Properties - Interest Only Payment Up to 60% CLTV Credit Card at 9.74% APR, verified by MonitorBankRates on October 29, 2026.

Current Illinois Valley Credit Union Rates

12-Month CD3.25%
24-Month CD3.00%
60-Month CD2.75%
Savings2.00%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Illinois Valley Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Illinois Valley Credit Union Texas Ratio

Illinois Valley Credit Union Health Trend

Illinois Valley Credit Union CD Rates

Illinois Valley Credit Union Business CD Rates

Illinois Valley Credit Union Savings Rates

Illinois Valley Credit Union Money Market Rates

Illinois Valley Credit Union Business Money Market Rates

Illinois Valley Credit Union Checking Rates

Illinois Valley Credit Union Business Checking Rates

Illinois Valley Credit Union Home Equity & HELOC

Illinois Valley Credit Union Auto Loan Rates

Illinois Valley Credit Union RV, Boat and Powersport Loan Rates

Illinois Valley Credit Union Credit Card Rates

Illinois Valley Credit Union Personal Loan Rates

Illinois Valley Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Illinois Valley Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Illinois Valley Credit Union

Does Illinois Valley Credit Union offer CDs?

Are CDs from Illinois Valley Credit Union NCUA insured?

What is the highest CD rate at Illinois Valley Credit Union?

What CD terms does Illinois Valley Credit Union offer?

What is the highest savings rate at Illinois Valley Credit Union?

What is the highest money market rate at Illinois Valley Credit Union?

What is the highest checking rate at Illinois Valley Credit Union?

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

What is the lowest personal loan rate at Illinois Valley Credit Union?

How many branches does Illinois Valley Credit Union operate?

Is a member application needed to join Illinois Valley Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Illinois Valley Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Illinois Valley Credit Union rates compare?

Current Illinois Valley Credit Union Rates

Compare to Other Credit Unions