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Land Of Lincoln Credit Union

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Land Of Lincoln Credit Union Rates & Review July 2026

Q: Is a member application needed to join Land Of Lincoln Credit Union?

Yes, to access services at Land Of Lincoln 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Land Of Lincoln Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 15, 2026

You can compare Land Of Lincoln Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.35%, 6-month share certificate rates at 1.78% and 3-month share certificate rates at 1.05%. Savings rates are at 0.05% and money market rates are at 2.00%. Mortgage rates on 30-year fixed loans are around 5.98%. All these rates can be compared to Land Of Lincoln Credit Union rates. MonitorBankRates evaluates the financial stability of Land Of Lincoln Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.53%. Rates were last updated on 07/15/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.53%

Excellent Higher than avg

Land Of Lincoln Credit Union
Prosperity

4850 E Prosperity Place
Decatur, IL 62521

https://www.llcu.org

Current Rate Availability

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

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Land Of Lincoln 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 Land Of Lincoln 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 Land Of Lincoln Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Land Of Lincoln Credit Union

Website https://www.llcu.org

Address 4850 E Prosperity Place, Decatur, IL 62521

Phone 217-864-3030

Fax 217-864-3021

President Antonio Brown

CEO Robert Ares

Full-Time Employees 134

Part-Time Employees 10

Branch Locations 15

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.53%

Return on Assets (ROA)

0.4178%

Return on Equity (ROE)

4.1736%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

475,412,790

Total Amount of Shares and Deposits

429,185,329

Total Shares and Deposits < 1 Year

416,809,804

Total Shares and Deposits 1 3 Years

10,339,119

Total Shares and Deposits > 3 Years

2,036,406

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

23,685,930

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

23,690,597

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

405,494,732

Total Interest Expense (Sum of items 6 8)

4,710,436

Share Certificates

2,428

Number of Accounts for Share Drafts

22,385

IRA KEOGH Accounts

685

Number of Accounts for Regular Shares

41,003

Non Member Deposits

Money Market Shares

575

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,450,526

Total Liabilities

431,318,548

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Land Of Lincoln Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Land Of Lincoln Credit Union

How many branches does Land Of Lincoln Credit Union operate?

Land Of Lincoln 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 Land Of Lincoln Credit Union?

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

Does Land Of Lincoln Credit Union offer online and mobile banking?

Most modern institutions like Land Of Lincoln 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.llcu.org.