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 Land Of Lincoln Credit Union Rates & Review September 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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Land Of Lincoln Credit Union's SPECIAL RATE: 11 MONTH rates are at 3.97%, 3-month - CDs or Greater rates are at 3.43%, 12-month - CDs or Greater rates are at 3.35%, 6-month - CDs or Greater rates are at 3.32%, 18-month - CDs or Greater rates are at 3.20%. Land Of Lincoln Credit Union's savings rates are at 0.08%. Land Of Lincoln Credit Union's money market rates are at 1.36%. Land Of Lincoln Credit Union's Personal Loan Rates are as low as 9.95%. Land Of Lincoln Credit Union's Credit Card Rates are at 18.90%. 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 7.07%. Rates last updated and verified on 09/22/2026. 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. Land Of Lincoln Credit Union
Prosperity 4850 E Prosperity Place
https://www.llcu.org Decatur, IL 62521 
Land Of Lincoln Credit Union CD Rates
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Financial Health HistoryLand Of Lincoln Credit Union’s Texas Ratio rose from 1.89% in Q2 2023 to 7.07% in Q1 2026, so its financial health has weakened 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)
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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 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
11
Branch Locations
16
ATM Locations
15
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
7.07%
Return on Assets (ROA)
0.0580%
Return on Equity (ROE)
0.6170%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
517,671,804
Total Amount of Shares and Deposits
462,777,448
Total Shares and Deposits < 1 Year
452,836,351
Total Shares and Deposits 1 3 Years
7,866,959
Total Shares and Deposits > 3 Years
2,074,138
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,842,329
Total Uninsured Shares and Deposits > $250K (F+J)
32,851,843
Total Insured Shares and Deposits > $250K (item 17 less item K)
429,925,605
Total Interest Expense (Sum of items 6 8)
1,800,182
Share Certificates
2,623
Number of Accounts for Share Drafts
22,924
IRA KEOGH Accounts
670
Number of Accounts for Regular Shares
40,748
Non Member Deposits
18
Money Market Shares
574
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)
17,991,082
Total Liabilities
472,452,156
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Land Of Lincoln Credit UnionHow 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. Current Land Of Lincoln Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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