|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Kaskaskia Valley Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Kaskaskia Valley Credit Union's 1 Year CD rates are at 1.00%, 6 Month CD rates are at 0.75%. Kaskaskia Valley Credit Union's savings rates are at 0.25%. Kaskaskia Valley Credit Union's checking rates are as high as 0.02%. Kaskaskia Valley Credit Union's Personal Loan Rates are as low as 6.90%. Kaskaskia Valley Credit Union's Credit Card Rates are at 6.90%. Kaskaskia Valley Credit Union's CD rates are 70% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Kaskaskia Valley Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.09%. Rates last updated and verified on 10/29/2026. Kaskaskia 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 Kaskaskia Valley Credit Union? Share your experience about Kaskaskia Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Kaskaskia Valley Credit Union. 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. Kaskaskia Valley Credit Union CD Rates
Kaskaskia Valley Credit Union Savings Rates
Kaskaskia Valley Credit Union Checking Rates
Kaskaskia Valley Credit Union Auto Loan Rates
Kaskaskia Valley Credit Union Credit Card Rates
Kaskaskia Valley Credit Union Personal Loan Rates
Kaskaskia Valley Credit Union Other Rates
Financial Health HistoryKaskaskia Valley Credit Union’s Texas Ratio rose from 5.48% in Q3 2023 to 8.09% 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kaskaskia 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 Kaskaskia 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 Kaskaskia Valley Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kaskaskia Valley Credit Union
Website
https://mykvccu.org
Address
401 S Poplar St,
Centralia, IL 62801
Phone
618-533-6681
Fax
618-533-6601
President
Gary Robinson
CEO
Amber Benson
Full-Time Employees
11
Part-Time Employees
5
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.09%
Return on Assets (ROA)
-0.0918%
Return on Equity (ROE)
-1.1611%
Non-Performing Loans Ratio (NPL)
1.13%
Total Assets
29,366,330
Total Amount of Shares and Deposits
26,580,086
Total Shares and Deposits < 1 Year
26,580,086
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,580,086
Total Interest Expense (Sum of items 6 8)
72,451
Share Certificates
112
Number of Accounts for Share Drafts
1,627
Number of Accounts for Regular Shares
4,083
All other shares
244
Money Market Shares
8
Net Income (unless the amount is already included in Undivided Earnings)
-26,960
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)
6,070,881
Total Liabilities
27,044,436
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Kaskaskia Valley Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Kaskaskia Valley Credit Union
Frequently Asked Questions About Kaskaskia Valley Credit UnionDoes Kaskaskia Valley Credit Union offer CDs?Yes. Kaskaskia Valley Credit Union current CD rates include its 1 Year CD at 1.00% APY and its 6 Month CD at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Kaskaskia Valley Credit Union NCUA insured?Yes. Kaskaskia 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 Kaskaskia Valley Credit Union?The highest Kaskaskia Valley Credit Union CD rate is its 1 Year CD at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Kaskaskia Valley Credit Union offer?Kaskaskia Valley Credit Union CD rates are 0.75% APY for a 6 month CD and 1.00% APY for a 12 month 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 Kaskaskia Valley Credit Union for its full lineup. What is the highest savings rate at Kaskaskia Valley Credit Union?The highest Kaskaskia Valley Credit Union savings rate is its Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Kaskaskia Valley Credit Union?The highest Kaskaskia Valley Credit Union checking rate is its Preferred Checking at 0.02% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Kaskaskia Valley Credit Union?The lowest Kaskaskia Valley Credit Union auto loan rate is its Auto Loan at 5.00%, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Kaskaskia Valley Credit Union?The lowest Kaskaskia Valley Credit Union personal loan rate is its Closed End Signature Loan at 6.90%, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Kaskaskia Valley Credit Union?The lowest Kaskaskia Valley Credit Union credit card APR is its Visa Platinum Credit Card at 6.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Kaskaskia Valley Credit Union operate?Kaskaskia 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 Kaskaskia Valley Credit Union?Yes, to access services at Kaskaskia 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, Kaskaskia 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, Kaskaskia Valley Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kaskaskia Valley Credit Union offer online and mobile banking?Most modern institutions like Kaskaskia 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://mykvccu.org. 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 Kaskaskia Valley Credit Union rates compare?Kaskaskia Valley Credit Union's CD rates are 70% lower than the MonitorBankRates national average, and it has an A health rating. Kaskaskia Valley Credit Union's top rates are its 1 Year CD at 1.00% APY, its Savings at 0.25% APY, its Preferred Checking at 0.02% APY, its Closed End Signature Loan at 6.90% APR and its Visa Platinum Credit Card at 6.90% APR, verified by MonitorBankRates on October 29, 2026. Current Kaskaskia Valley Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Catholic & Community Credit Union
Lincoln Public School Employees Federal Credit Union
Kelly Community Federal Credit Union
Financial Trust Federal Credit Union
Members First Credit Union of Florida
Domino Federal Credit Union
Cannon Federal Credit Union
Genesee Valley Federal Credit Union
Municipal Employees Credit Union of Balt
Inner Lakes Federal Credit Union
Hancock School Employees Federal Credit Union
Texan Sky Federal Credit Union
Northern States Power St Paul Credit Union
Capital Credit Union
Innovations Financial Credit Union
Wichita Falls Federal Credit Union
USX Federal Credit Union
Rutgers Credit Union
San Angelo Federal Credit Union
Central Texas Teachers Credit Union
Kalsee Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
