What are the current interest rates at Joliet Municipal Employees Federal Credit Union?

Current rates for Joliet Municipal Employees Federal Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 2.50%, 24-Month CD: 2.00%

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Joliet Municipal Employees Federal Credit Union

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Joliet Municipal Employees Federal Credit Union Rates & Review November 2026

Content reviewed by

Brian McKay

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

Joliet Municipal Employees Federal Credit Union's CD - 6 Month rates are at 3.50%, CD - 12 Month rates are at 3.00%, CD - 18 Month rates are at 2.50%, CD - 24 Month rates are at 2.00%. Joliet Municipal Employees Federal Credit Union's Personal Loan Rates are as low as 8.75%. Joliet Municipal Employees Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Joliet Municipal Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.30%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.30%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Joliet Municipal Employees Federal Credit Union
joliet municipal employees federal credit union

818 e cass st
joliet, IL 60432

http://www.jolietmunicipal.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.

Joliet Municipal Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate - 6 Month	3.46%	3.50%	6 month
Min Deposit $1,000 Details Certificate Disclosure (CD) Rates; minimum $1,000; All Rates Subject to Change Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Certificate - 12 Month	2.98%	3.00%	12 month
Min Deposit $1,000 Details Certificate Disclosure (CD) Rates; minimum $1,000; All Rates Subject to Change Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Certificate - 18 Month	2.477%	2.50%	18 month
Min Deposit $1,000 Details Certificate Disclosure (CD) Rates; minimum $1,000; All Rates Subject to Change Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Certificate - 24 Month	1.99%	2.00%	24 month
Min Deposit $1,000 Details Certificate Disclosure (CD) Rates; minimum $1,000; All Rates Subject to Change Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Joliet Municipal Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Motorcycle	4.20%	-	4.20%	Up to 36 Months
Details Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.50% → 4.20% ▼ 0.30 pts · high 4.50% / low 4.20% Oct 13, 20264.20%▼ from 4.50% Sep 17, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.20%	-	4.20%	Up to 48 Months
Details Credit Score Grade: A+; Credit Score Range: 760+; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.20% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.50%	-	4.50%	Up to 36 Months
Details Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.50%	-	4.50%	Up to 48 Months
Details Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.50%	-	4.50%	Up to 60 Months
Details Credit Score Grade: A+; Credit Score Range: 760+; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.70%	-	4.70%	Up to 48 Months
Details Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.70% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.70%	-	4.70%	Up to 60 Months
Details Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.70% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.70%	-	4.70%	Up to 72 Months
Details Credit Score Grade: A+; Credit Score Range: 760+; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.70% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.75%	-	4.75%	Up to 60 Months
Details Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	4.75%	-	4.75%	Up to 72 Months
Details Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	5.25%	-	5.25%	Up to 48 Months
Details Credit Score Grade: C; Credit Score Range: 600-659; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	5.25%	-	5.25%	Up to 72 Months
Details Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	5.25%	-	5.25%	Up to 84 Months
Details Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	5.25%	-	5.25%	Up to 36 Months
Details Credit Grade: A+; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	5.75%	-	5.75%	Up to 60 Months
Details Credit Score Grade: C; Credit Score Range: 600-659; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	5.75%	-	5.75%	Up to 84 Months
Details Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	5.75%	-	5.75%	Up to 36 Months
Details Credit Grade: A; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	5.75%	-	5.75%	Up to 48 Months
Details Credit Grade: A+; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.25%	-	6.25%	Up to 36 Months
Details Credit Grade: C; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.25%	-	6.25%	Up to 48 Months
Details Credit Grade: B; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.25%	-	6.25%	Up to 60 Months
Details Credit Grade: A; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.25%	-	6.25%	Up to 72 Months
Details Credit Grade: A+; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	6.50%	-	6.50%	Up to 84 Months
Details Credit Score Grade: C; Credit Score Range: 600-659; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.50%	-	6.50%	Up to 48 Months
Details Credit Grade: C; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.50%	-	6.50%	Up to 60 Months
Details Credit Grade: B; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.50%	-	6.50%	Up to 72 Months
Details Credit Grade: A; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.75%	-	6.75%	Up to 60 Months
Details Credit Grade: C; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	6.75%	-	6.75%	Up to 72 Months
Details Credit Grade: B; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	11.50%	-	11.50%	Up to 48 Months
Details Credit Score Grade: E; Credit Score Range: 549-below; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Auto/Motorcycle	11.50%	-	11.50%	Up to 60 Months
Details Credit Score Grade: D; Credit Score Range: 550-599; Fully Pledged Loan; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	11.50%	-	11.50%	Up to 48 Months
Details Credit Grade: D; Fully Pledged Loan Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.50% → 11.50% ▲ 5.00 pts · high 11.50% / low 6.50% Oct 23, 202611.50%▲ from 6.50% Sep 17, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Auto/Motorcycles (10 years old or newer)	12.50%	-	12.50%	Up to 36 Months
Details Credit Grade: E; Fully Pledged Loan Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 12.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Joliet Municipal Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle (Up to 5 years old)	6.75%	6.75%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: A; Credit Score Range: 700-759 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	6.75%	6.75%	Up to 60 Months
Details Fully Pledged Loan; Credit Grade: A+; Credit Score Range: 760+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	7.75%	7.75%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: B; Credit Score Range: 660-699 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	7.75%	7.75%	Up to 60 Months
Details Fully Pledged Loan; Credit Grade: A; Credit Score Range: 700-759 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	7.75%	7.75%	Up to 84 Months
Details Fully Pledged Loan; Credit Grade: A+; Credit Score Range: 760+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	8.25%	8.25%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: A+; Credit Score Range: 760+; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	8.75%	8.75%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: C; Credit Score Range: 600-659 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.75% ▲ 1.00 pts · high 8.75% / low 7.75% Oct 23, 20268.75%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	8.75%	8.75%	Up to 60 Months
Details Fully Pledged Loan; Credit Grade: B; Credit Score Range: 660-699 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	8.75%	8.75%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: A; Credit Score Range: 700-759; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	9.05%	9.05%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: B; Credit Score Range: 660-699; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	9.55%	9.55%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: C; Credit Score Range: 600-659; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.55% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	9.75%	9.75%	Up to 84 Months
Details Fully Pledged Loan; Credit Grade: A; Credit Score Range: 700-759 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	10.25%	10.25%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: E; Credit Score Range: 549-below Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	10.50%	10.50%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: D; Credit Score Range: 550-599 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	10.50%	10.50%	Up to 60 Months
Details Fully Pledged Loan; Credit Grade: C; Credit Score Range: 600-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	11.25%	11.25%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: D; Credit Score Range: 550-599; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	11.75%	11.75%	Up to 84 Months
Details Fully Pledged Loan; Credit Grade: B; Credit Score Range: 660-699 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	12.25%	12.25%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: A+; Credit Score Range: 760+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	14.25%	14.25%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: A; Credit Score Range: 700-759 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	14.50%	14.50%	Up to 60 Months
Details Fully Pledged Loan; Credit Grade: E; Credit Score Range: 549-below Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	15.25%	15.25%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: B; Credit Score Range: 660-699 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 15.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	15.75%	15.75%	Up to 84 Months
Details Fully Pledged Loan; Credit Grade: D; Credit Score Range: 550-599 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 15.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Used Recreational Vehicle (Over 5 years old)	15.75%	15.75%	Up to 36 Months
Details Fully Pledged Loan; Credit Grade: E; Credit Score Range: 549-below; Loan Rates as of June 19, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 15.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	16.25%	16.25%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: C; Credit Score Range: 600-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 16.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	16.74%	16.74%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: D; Credit Score Range: 550-599 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 16.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	16.75%	16.75%	Up to 84 Months
Details Fully Pledged Loan; Credit Grade: E; Credit Score Range: 549-below Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 16.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
New Recreational Vehicle (Up to 5 years old)	17.74%	17.74%	Up to 144 Months
Details Fully Pledged Loan; Credit Grade: E; Credit Score Range: 549-below Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 17.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Joliet Municipal Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans	8.75%	Up to 12 Months
Details under $10,000; Credit Grade: B; Credit Score: 660-699 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	8.75%	Up to 24 Months
Details under $10,000; Credit Grade: A; Credit Score: 700-759 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	8.75%	Up to 36 Months
Details under $10,000; Credit Grade: A+; Credit Score: 760+ Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.25%	Up to 24 Months
Details under $10,000; Credit Grade: C; Credit Score: 600-659 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.25%	Up to 36 Months
Details under $10,000; Credit Grade: B; Credit Score: 660-699 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.25%	Up to 48 Months
Details under $10,000; Credit Grade: A; Credit Score: 700-759 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.25%	Up to 12 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: A (700-759) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.50% → 9.25% ▼ 0.25 pts · high 9.50% / low 9.25% Oct 13, 20269.25%▼ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.50%	Up to 12 Months
Details under $10,000; Credit Grade: D; Credit Score: 550-599 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.50%	Up to 36 Months
Details under $10,000; Credit Grade: C; Credit Score: 600-659 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.50%	Up to 24 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: A (700-759) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25% Oct 13, 20269.50%▲ from 9.25% Oct 5, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	9.75%	Up to 48 Months
Details under $10,000; Credit Grade: B; Credit Score: 660-699 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.25%	Up to 12 Months
Details under $10,000; Credit Grade: E; Credit Score: 549-below Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.50% → 10.25% ▲ 0.75 pts · high 10.25% / low 9.50% Oct 15, 202610.25%▲ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.25%	Up to 24 Months
Details under $10,000; Credit Grade: D; Credit Score: 550-599 Last Updated 10/29/2026 Rate History 2 changes since Oct 5, 2026 · 9.25% → 10.25% ▲ 1.00 pts · high 10.25% / low 9.25% Oct 15, 202610.25%▲ from 9.50% Oct 13, 20269.50%▲ from 9.25% Oct 5, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.25%	Up to 36 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: B (660-699) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.50% → 10.25% ▲ 0.75 pts · high 10.25% / low 9.50% Oct 13, 202610.25%▲ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.25%	Up to 48 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: A (700-759) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 13, 202610.25%▲ from 9.75% Oct 5, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.50%	Up to 24 Months
Details under $10,000; Credit Grade: E; Credit Score: 549-below Last Updated 10/29/2026 Rate History 2 changes since Oct 5, 2026 · 10.50% → 10.50% ▼ 0.00 pts · high 11.25% / low 10.50% Oct 15, 202610.50%▼ from 11.25% Oct 13, 202611.25%▲ from 10.50% Oct 5, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.50%	Up to 12 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: D (550-599) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.50% → 10.50% ▲ 1.00 pts · high 10.50% / low 9.50% Oct 15, 202610.50%▲ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.50%	Up to 36 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: C (600-659) Last Updated 10/29/2026 Rate History 2 changes since Oct 5, 2026 · 9.50% → 10.50% ▲ 1.00 pts · high 10.50% / low 9.50% Oct 15, 202610.50%▲ from 10.25% Oct 13, 202610.25%▲ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	10.50%	Up to 48 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: B (660-699) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 9.75% → 10.50% ▲ 0.75 pts · high 10.50% / low 9.75% Oct 13, 202610.50%▲ from 9.75% Oct 5, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	10.50%	Up to 12 Months
Details $15,000.01-$20,000; Credit Grade: B (Credit Score Range 660-699); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	10.50%	Up to 36 Months
Details $15,000.01-$20,000; Credit Grade: A+ (Credit Score Range 760+); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	11.25%	Up to 24 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: E (549-below) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 10.50% → 11.25% ▲ 0.75 pts · high 11.25% / low 10.50% Oct 13, 202611.25%▲ from 10.50% Oct 5, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.25%	Up to 24 Months
Details $15,000.01-$20,000; Credit Grade: C (Credit Score Range 600-659); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 11.25% → 12.25% ▲ 1.00 pts · high 12.25% / low 11.25% Oct 13, 202612.25%▲ from 11.25% Sep 21, 202611.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.25%	Up to 36 Months
Details $15,000.01-$20,000; Credit Grade: B (Credit Score Range 660-699); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.50% → 12.25% ▲ 1.75 pts · high 12.25% / low 10.50% Oct 13, 202612.25%▲ from 10.50% Sep 21, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.25%	Up to 48 Months
Details $15,000.01-$20,000; Credit Grade: A (Credit Score Range 700-759); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.50% → 12.25% ▲ 1.75 pts · high 12.25% / low 10.50% Oct 13, 202612.25%▲ from 10.50% Sep 21, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.50%	Up to 12 Months
Details $15,000.01-$20,000; Credit Grade: D (Credit Score Range 550-599); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.50% → 12.50% ▲ 2.00 pts · high 12.50% / low 10.50% Oct 13, 202612.50%▲ from 10.50% Sep 21, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.50%	Up to 36 Months
Details $15,000.01-$20,000; Credit Grade: C (Credit Score Range 600-659); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 14.25% → 12.50% ▼ 1.75 pts · high 14.25% / low 12.50% Oct 13, 202612.50%▼ from 14.25% Sep 21, 202614.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	12.50%	Up to 48 Months
Details $15,000.01-$20,000; Credit Grade: B (Credit Score Range 660-699); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 14.25% → 12.50% ▼ 1.75 pts · high 14.25% / low 12.50% Oct 13, 202612.50%▼ from 14.25% Sep 21, 202614.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	13.25%	Up to 24 Months
Details $15,000.01-$20,000; Credit Grade: E (Credit Score Range 549-below); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 11.25% → 13.25% ▲ 2.00 pts · high 13.25% / low 11.25% Oct 13, 202613.25%▲ from 11.25% Sep 21, 202611.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	13.75%	Up to 36 Months
Details under $10,000; Credit Grade: D; Credit Score: 550-599 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 13.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	14.25%	Up to 48 Months
Details under $10,000; Credit Grade: E; Credit Score: 549-below Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 14.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	14.25%	Up to 36 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: E (549-below) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 13.75% → 14.25% ▲ 0.50 pts · high 14.25% / low 13.75% Oct 15, 202614.25%▲ from 13.75% Oct 5, 202613.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	14.25%	Up to 36 Months
Details $15,000.01-$20,000; Credit Grade: D (Credit Score Range 550-599); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 14.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans	14.50%	Up to 48 Months
Details $10,000.01-$15,000; Requires Board Approval; Credit Grade: E (549-below) Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 14.25% → 14.50% ▲ 0.25 pts · high 14.50% / low 14.25% Oct 15, 202614.50%▲ from 14.25% Oct 5, 202614.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	14.50%	Up to 36 Months
Details $15,000.01-$20,000; Credit Grade: E (Credit Score Range 549-below); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 14.25% → 14.50% ▲ 0.25 pts · high 14.50% / low 14.25% Oct 13, 202614.50%▲ from 14.25% Sep 21, 202614.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Unsecured Loans Requires Board Approval	14.50%	Up to 48 Months
Details $15,000.01-$20,000; Credit Grade: D (Credit Score Range 550-599); Loan Amount: $15,000.01-$20,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 14.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

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.
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Financial Health History

Joliet Municipal Employees Federal Credit Union’s Texas Ratio rose from 0.38% in Q3 2023 to 10.30% 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.

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	$11M	10.30%	5.0	A
March 31, 2026	$11M	3.22%	5.0	A+
December 31, 2025	$11M	1.55%	5.0	A+
September 30, 2025	$11M	4.41%	5.0	A+
June 30, 2025	$11M	3.41%	5.0	A+
March 31, 2025	$11M	5.38%	5.0	A+
December 31, 2024	$12M	5.99%	5.0	A+
September 30, 2024	$11M	7.18%	5.0	A
June 30, 2024	$11M	7.37%	5.0	A
March 31, 2024	$12M	5.39%	5.0	A+
December 31, 2023	$11M	5.38%	5.0	A+
September 30, 2023	$10M	0.38%	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 Joliet Municipal Employees Federal 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 Joliet Municipal Employees Federal 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 Joliet Municipal Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Joliet Municipal Employees Federal Credit Union

Website http://www.jolietmunicipal.com/

Address 818 e cass st, joliet, IL 60432

Phone 815-726-3883

Fax 815-726-3926

President Michael Eulitz

CEO Maribel Bedolla

Full-Time Employees 2

Part-Time Employees 2

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 (95/100)

Texas Ratio

10.30%

Return on Assets (ROA)

0.3224%

Return on Equity (ROE)

2.9005%

Non-Performing Loans Ratio (NPL)

2.08%

Total Assets

11,118,029

Total Amount of Shares and Deposits

9,861,214

Total Shares and Deposits < 1 Year

9,100,176

Total Shares and Deposits 1 3 Years

761,038

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

2,387,952

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

2,387,952

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

7,473,262

Total Interest Expense (Sum of items 6 8)

120,547

Share Certificates

155

Number of Accounts for Regular Shares

1,047

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

35,848

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)

1,508,347

Total Liabilities

9,882,094

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Joliet Municipal Employees Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Joliet Municipal Employees Federal Credit Union

Does Joliet Municipal Employees Federal Credit Union offer CDs?

Yes. Joliet Municipal Employees Federal Credit Union current CD rates include its CD - 6 Month at 3.50% APY, its CD - 12 Month at 3.00% APY and its CD - 18 Month at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Joliet Municipal Employees Federal Credit Union NCUA insured?

Yes. Joliet Municipal Employees Federal 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 Joliet Municipal Employees Federal Credit Union?

The highest Joliet Municipal Employees Federal Credit Union CD rate is its CD - 6 Month at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Joliet Municipal Employees Federal Credit Union offer?

Joliet Municipal Employees Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 3.00% APY for a 12 month CD, 2.50% APY for an 18 month CD and 2.00% APY for a 2 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 Joliet Municipal Employees Federal Credit Union for its full lineup.

What is the lowest auto loan rate at Joliet Municipal Employees Federal Credit Union?

The lowest Joliet Municipal Employees Federal Credit Union auto loan rate is its New Auto/Motorcycle at 4.20%, verified by MonitorBankRates as of October 29, 2026. Joliet Municipal Employees Federal Credit Union auto loan rates are 8.25% for a 60 month auto loan and 5.25% for a 120 month auto loan.

What is the lowest personal loan rate at Joliet Municipal Employees Federal Credit Union?

The lowest Joliet Municipal Employees Federal Credit Union personal loan rate is its Unsecured Loans at 8.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Joliet Municipal Employees Federal Credit Union operate?

Joliet Municipal Employees Federal 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 Joliet Municipal Employees Federal Credit Union?

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

Does Joliet Municipal Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Joliet Municipal Employees Federal 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: http://www.jolietmunicipal.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 Joliet Municipal Employees Federal Credit Union rates compare?

Joliet Municipal Employees Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A health rating. Joliet Municipal Employees Federal Credit Union's top rates are its CD - 6 Month at 3.50% APY and its Unsecured Loans at 8.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Joliet Municipal Employees Federal Credit Union Rates

12-Month CD3.00%
18-Month CD2.50%
24-Month CD2.00%

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

Compare to Other Credit Unions

Joliet Municipal Employees Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Joliet Municipal Employees Federal Credit Union Texas Ratio

Joliet Municipal Employees Federal Credit Union Health Trend

Joliet Municipal Employees Federal Credit Union CD Rates

Joliet Municipal Employees Federal Credit Union Auto Loan Rates

Joliet Municipal Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Joliet Municipal Employees Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Joliet Municipal Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Joliet Municipal Employees Federal Credit Union

Does Joliet Municipal Employees Federal Credit Union offer CDs?

Are CDs from Joliet Municipal Employees Federal Credit Union NCUA insured?

What is the highest CD rate at Joliet Municipal Employees Federal Credit Union?

What CD terms does Joliet Municipal Employees Federal Credit Union offer?

What is the lowest auto loan rate at Joliet Municipal Employees Federal Credit Union?

What is the lowest personal loan rate at Joliet Municipal Employees Federal Credit Union?

How many branches does Joliet Municipal Employees Federal Credit Union operate?

Is a member application needed to join Joliet Municipal Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Joliet Municipal Employees Federal 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 Joliet Municipal Employees Federal Credit Union rates compare?

Current Joliet Municipal Employees Federal Credit Union Rates

Compare to Other Credit Unions