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iAdvertiser Disclosure
Advertiser Disclosure
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 Central Illinois Credit Union Rates & Review April 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: April 19, 2026
Central Illinois Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Central Illinois Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.33%. Rates were last updated on 04/19/2026. Central Illinois 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 Central Illinois Credit Union? Share your experience about Central Illinois Credit Union by leaving a review below, or read customer reviews before you decide to use Central Illinois Credit Union. Central Illinois Credit Union
Central Illinois Credit Union 2106 w john st
https://www.cicu.com champaign, IL 61821 
Central Illinois Credit Union Checking Rates
Central Illinois Credit Union Mortgage Rates
Central Illinois Credit Union Credit Card Rates
Central Illinois Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Central Illinois 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 Central Illinois 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 Central Illinois Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central Illinois Credit Union
Website
https://www.cicu.com
Address
2106 w john st,
champaign, IL 61821
Phone
217-356-9721
Fax
217-356-0044
President
Cheri Scott
CEO
chelsea anderson
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
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
8.33%
Return on Assets (ROA)
0.2101%
Return on Equity (ROE)
1.6913%
Non-Performing Loans Ratio (NPL)
2.30%
Total Assets
26,083,922
Total Amount of Shares and Deposits
21,550,713
Total Shares and Deposits < 1 Year
21,550,712
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
137,283
Total Uninsured Shares and Deposits > $250K (F+J)
137,283
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,413,430
Total Interest Expense (Sum of items 6 8)
106,106
Share Certificates
67
Number of Accounts for Share Drafts
1,888
Number of Accounts for Regular Shares
3,534
All other shares
430
Net Income (unless the amount is already included in Undivided Earnings)
54,811
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
803,606
Total Liabilities
22,877,106
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Central Illinois Credit UnionIs Central Illinois Credit Union a safe place to deposit money?Yes, Central Illinois Credit Union is considered a safe financial institution. With a Texas Ratio of 8.3314125083506%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Central Illinois Credit Union operate?Central Illinois 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 Central Illinois Credit Union?Yes, to access services at Central Illinois 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, Central Illinois 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, Central Illinois Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Central Illinois Credit Union offer online and mobile banking?Most modern institutions like Central Illinois 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.cicu.com. Compare to Other Credit Unions
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