What are the current interest rates at Planites Credit Union?

Current rates for Planites Credit Union include: 12-Month CD: 4.40%, 18-Month CD: 4.40%, 24-Month CD: 4.30%, Savings: 0.10%

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Planites Credit Union

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Planites Credit Union Rates & Review October 2026

Q: How many branches does Planites Credit Union operate?

Planites 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.

Q: Is a member application needed to join Planites Credit Union?

Yes, to access services at Planites 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: Is there a first-time homebuyer program?

Currently, Planites 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Planites 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 and Verified: October 9, 2026

Planites Credit Union's top rates as of October 9, 2026 are 4.40% APY on its 1 Year Investment CDs CD, 0.10% APY on savings, personal loans from 12.75% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Planites Credit Union CD rates include 18 Month Investment CDs at 4.40%, 24 Month Investment CDs at 4.30%, and 36 Month Investment CDs at 4.20%. MonitorBankRates evaluates the financial stability of Planites Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.17%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Planites Credit Union
PLANITES CREDIT UNION

300 E Randolph ST
Chicago, IL 60601-5014

https://www.planites.org

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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.

Planites Credit Union CD Rates

Product	Rate	APY	Term
1 Year Investment Certificates	4.33%	4.40%	1 Year
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 9, 20264.40%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
18 Month Investment Certificates	4.33%	4.40%	18 Month
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 9, 20264.40%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Investment Certificates	4.23%	4.30%	24 Month
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 9, 20264.30%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Investment Certificates	4.13%	4.20%	36 Month
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 9, 20264.20%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
180 Day Investment Certificates	3.70%	3.75%	180 Days
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
90 Day Investment Certificates	3.70%	3.75%	90 Days
Min Deposit $500 Min Balance $500 Details Minimum: $500 Minimum Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Planites Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Savings	0.10%	0.10%
Details Term: Quarterly IRA Savings Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Regular Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Planites Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Vehicles Loan	-	-	5.00%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 9, 20265.00%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Planites Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Loan - Variable Rate	-	13.00%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Planites Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Signature Loan	12.75%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Planites Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
IRA Account	3.70%	-	3.75%	90 Days
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Account	3.70%	-	3.75%	180 Days
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Account	4.33%	-	4.40%	12 Month
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 9, 20264.40%▲ from 4.00% Sep 22, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Account	4.33%	-	4.40%	18 Month
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 9, 20264.40%▲ from 4.00% Sep 22, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Account	4.23%	-	4.30%	24 Month
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 9, 20264.30%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Account	4.13%	-	4.20%	36 Month
Min Balance $500 Details Balance: $500 Minimum Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 9, 20264.20%▲ from 3.80% Sep 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

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

Planites Credit Union’s Texas Ratio stayed near 2.80% in Q3 2023 to 3.17% 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	$40M	3.17%	5.0	A+
March 31, 2026	$39M	3.21%	5.0	A+
December 31, 2025	$38M	2.15%	5.0	A+
September 30, 2025	$39M	2.26%	5.0	A+
June 30, 2025	$40M	5.53%	5.0	A+
March 31, 2025	$39M	1.03%	5.0	A+
December 31, 2024	$37M	1.38%	5.0	A+
September 30, 2024	$38M	5.28%	5.0	A+
June 30, 2024	$38M	4.93%	5.0	A+
March 31, 2024	$38M	2.58%	5.0	A+
December 31, 2023	$37M	6.80%	5.0	A
September 30, 2023	$38M	2.80%	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 Planites 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 Planites 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 Planites Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Planites Credit Union

Website https://www.planites.org

Address 300 E Randolph ST, Chicago, IL 60601-5014

Phone 312-653-6371

Fax 312-616-3728

President James Burda

CEO Danny Valkanos

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.17%

Return on Assets (ROA)

0.2487%

Return on Equity (ROE)

2.2046%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

39,803,494

Total Amount of Shares and Deposits

35,119,813

Total Shares and Deposits < 1 Year

27,394,291

Total Shares and Deposits 1 3 Years

7,725,519

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

2,992,475

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

2,992,475

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

32,127,338

Total Interest Expense (Sum of items 6 8)

328,090

Share Certificates

454

Number of Accounts for Share Drafts

952

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,162

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

99,010

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)

1,536,086

Total Liabilities

35,312,492

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Planites Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Planites Credit Union

How many branches does Planites Credit Union operate?

Planites 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 Planites Credit Union?

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

Does Planites Credit Union offer online and mobile banking?

Most modern institutions like Planites 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.planites.org.

Current Planites Credit Union Rates

12-Month CD4.40%
18-Month CD4.40%
24-Month CD4.30%
Savings0.10%

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

Compare to Other Credit Unions

Planites Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Planites Credit Union Texas Ratio

Planites Credit Union Health Trend

Planites Credit Union CD Rates

Planites Credit Union Savings Rates

Planites Credit Union Auto Loan Rates

Planites Credit Union Credit Card Rates

Planites Credit Union Personal Loan Rates

Planites Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Planites Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Planites Credit Union

How many branches does Planites Credit Union operate?

Is a member application needed to join Planites Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Planites Credit Union offer online and mobile banking?

Current Planites Credit Union Rates

Compare to Other Credit Unions