Canals And Trails Credit Union Rates and Review January 2026
Compare Canals And Trails Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Canals And Trails Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCanals And Trails Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Canals And Trails Credit Union? Share your experience about Canals And Trails Credit Union by leaving a review below, or read customer reviews before you decide to use Canals And Trails Credit Union. Overall, Canals And Trails Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Canals And Trails Credit Union Canals and Trails Credit Union Main Office 838 S State St Lockport, IL 60441 3434  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonEveryday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Visa Credit Card
9.990%
Visa Platinum Preferred Student
17.990%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal/Signature
10.990%
$0
24 - 36
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
Preferred Personal Loan
10.000%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Canals And Trails Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Canals And Trails Credit Union
Website: https://www.canals-trailscu.org/
Full Time Employees: 5Part Time Employees: 5 President: James Wartenberg CEO: Janet Schuler Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
838 S State St
Lockport, IL 60441 3434 Phone Number: 815-838-7159 Fax Number: 815-838-5581 FinancialsTotal Assets:
33,265,330
Total Amount of Shares and Deposits:
29,705,209
Total Shares and Deposits < 1 Year:
29,569,910
Total Shares and Deposits 1 3 Years:
128,865
Total Shares and Deposits > 3 Years:
6,434
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
32,871
Total Uninsured Shares and Deposits > $250K (F+J):
32,871
Total Insured Shares and Deposits > $250K (item 17 less item K):
29,672,338
Total Interest Expense (Sum of items 6 8):
27,444
Share Certificates:
30
Number of Accounts for Share Drafts:
1,282
IRA KEOGH Accounts:
24
Number of Accounts for Regular Shares:
3,874
Money Market Shares:
61
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
445,185
Total Liabilities:
29,758,796
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Canals And Trails Credit UnionIs a member application needed to join Canals And Trails Credit Union?Yes, to access services at Canals And Trails Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Canals And Trails Credit Union provides a range of mortgage and home equity products. Is Canals And Trails Credit Union a safe place to deposit money?Yes, Canals And Trails Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Canals And Trails Credit Union offer online and mobile banking?Most modern institutions like Canals And Trails Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.75%, 6-month CD rates at 2.25% and 3-month CD rates at 0.75%. Savings rates are at 0.03% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.03%. Credit Card rates are at 18.00%. Personal Loan rates are at 10.49%. All these rates, and more, can be found in our database of rates which you can compare to 
