What are the current interest rates at Credit Union 1 Credit Union Rantoul, IL?

Current rates for Credit Union 1 Credit Union Rantoul, IL include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 0.01%

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Credit Union 1 Credit Union Rantoul, IL

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Credit Union 1 Credit Union Rantoul, IL Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union 1 Credit Union Rantoul, IL 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: September 22, 2026

Credit Union 1 Credit Union Rantoul, IL's 7 Month IRA CD (Traditional, Roth or Educational) rates are at 3.85%, 7 Month CD (CD) rates are at 3.85%, 15 Month IRA CD (Traditional, Roth or Educational) rates are at 3.70%, 15 Month CD (CD) rates are at 3.70%, 12 Month Business CDs (CD) rates are at 3.25%. Credit Union 1 Credit Union Rantoul, IL's savings rates are at 0.01%. Credit Union 1 Credit Union Rantoul, IL's RV, Boat and Powersport Loan Rates are as low as 8.47%. MonitorBankRates evaluates the financial stability of Credit Union 1 Credit Union Rantoul, IL with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.37%. Rates last updated and verified on 09/22/2026.

Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL? Share your experience about Credit Union 1 Credit Union Rantoul, IL by leaving a review below, or read customer reviews before you decide to use Credit Union 1 Credit Union Rantoul, IL.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.37%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Credit Union 1 Credit Union Rantoul, IL
Credit Union 1

450 E 22nd St Ste 250
Lombard, IL 60148-6176

https://www.creditunion1.org

Credit Union 1 Credit Union Rantoul, IL CD Rates

Product	Rate	APY	Term
7 Month IRA Certificate (Traditional, Roth or Educational)	3.78%	3.85%	7 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
7 Month Share Certificate (CD)	3.78%	3.85%	7 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
15 Month IRA Certificate (Traditional, Roth or Educational)	3.64%	3.70%	15 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
15 Month Share Certificate (CD)	3.64%	3.70%	15 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
12 Month Business Share Certificates (CD)	3.20%	3.25%	12 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
12 Month Business Share Certificates Plus (CD)	3.20%	3.25%	12 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
12 Month IRA Certificate (Traditional, Roth or Educational)	3.20%	3.25%	12 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
12 Month Share Certificate (CD)	3.20%	3.25%	12 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
12 Month Share Certificate Plus (CD)	3.20%	3.25%	12 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 12 month	3.20%	3.25%	12 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
24 Month Business Share Certificates (CD)	2.96%	3.00%	24 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
24 Month Business Share Certificates Plus (CD)	2.96%	3.00%	24 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
24 Month IRA Certificate (Traditional, Roth or Educational)	2.96%	3.00%	24 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
24 Month Share Certificate (CD)	2.96%	3.00%	24 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
24 Month Share Certificate Plus (CD)	2.96%	3.00%	24 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
36 Month Business Share Certificates (CD)	2.96%	3.00%	36 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
36 Month Business Share Certificates Plus (CD)	2.96%	3.00%	36 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
36 Month IRA Certificate (Traditional, Roth or Educational)	2.96%	3.00%	36 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
36 Month Share Certificate (CD)	2.96%	3.00%	36 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
36 Month Share Certificate Plus (CD)	2.96%	3.00%	36 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 24 month	2.96%	3.00%	24 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 36 month	2.96%	3.00%	36 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
48 Month Business Share Certificates (CD)	2.72%	2.75%	48 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
48 Month Business Share Certificates Plus (CD)	2.72%	2.75%	48 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
48 Month IRA Certificate (Traditional, Roth or Educational)	2.72%	2.75%	48 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
48 Month Share Certificate (CD)	2.72%	2.75%	48 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
48 Month Share Certificate Plus (CD)	2.72%	2.75%	48 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
60 Month Business Share Certificates (CD)	2.72%	2.75%	60 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
60 Month Business Share Certificates Plus (CD)	2.72%	2.75%	60 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
60 Month IRA Certificate (Traditional, Roth or Educational)	2.72%	2.75%	60 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
60 Month Share Certificate (CD)	2.72%	2.75%	60 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
60 Month Share Certificate Plus (CD)	2.72%	2.75%	60 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 48 month	2.72%	2.75%	48 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 60 month	2.72%	2.75%	60 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 270 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month Business Share Certificates (CD)	1.98%	2.00%	6 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month Business Share Certificates Plus (CD)	1.98%	2.00%	6 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month IRA Certificate (Traditional, Roth or Educational)	1.98%	2.00%	6 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month Share Certificate (CD)	1.98%	2.00%	6 Months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month Share Certificate Plus (CD)	1.98%	2.00%	6 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
IRA Certificate Plus (Traditional, Roth or Educational) - 6 month	1.98%	2.00%	6 Months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Savings Rates

Product	Rate	APY
High Yield Savings	1.98%	2.00%
Min Deposit $0 Min Balance $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Additional Savings	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Business Primary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Primary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Savings Education IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Savings IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Savings ROTH IRA	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Checking Rates

Product	Rate	APY
High Yield Checking	4.65%	4.75%
Min Deposit $1,000 Min Balance $0 Details Minimum: $1,000 Direct Deposit; Qualifications Required: Direct Deposit Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
High Yield Checking	-	4.75%
Min Balance $10,000 Details Qualifications Required: qualifying monthly transactions; Earn 4.75% APY on balances up to $10,000 when you make qualifying monthly transactions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
UIC Ignite Checking	2.52%	2.55%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 and Net Direct Deposit; Minimum: $0 and Net Direct Deposit; Qualifications Required: Net Direct Deposit Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Business Checking Accounts	-	0.01%
Details If balance falls below the $25,000 minimum average daily balance requirement, there is a $50.00 fee per month. Waived if Merchant Services are deposited into the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
High Yield Checking	-	0.01%
Details Qualifications Required: 15 CU1 Bill Pay or CU1 Visa debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account; minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month; enrolled in digital banking by registering for CU1's digital banking service and create a password; enrolled in eStatements for the account in which the High Yield Checking Account is established; Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
HSA Checking accounts	-	0.01%
Details HSA Checking accounts are available to existing accountholders only. We are not currently opening new HSA Checking accounts at this time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
UIC Ignite Checking	-	0.01%
Details Qualifications Required: Direct Deposit is required; Direct Deposit is required to earn the current declared UIC Ignite Checking rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Up to 80% CLTV - Owner Occupied	-	-	7.21%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $700,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Home Equity Up to 90% CLTV - Owner Occupied	-	-	7.46%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $350,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Home Equity Up to 70% CLTV - 2nd Home	-	-	9.25%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Home Equity Up to 80% CLTV - 2nd Home	-	-	9.50%	5, 10, 15, 20 years
Details Line of Credit Limit: $10,000 - $500,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto 2025 & Newer	3.74%	-	3.99%	36 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
New Auto 2025 & Newer	3.99%	-	4.18%	48 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
New Auto 2025 & Newer	4.24%	-	4.39%	60 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
New Auto 2025 & Newer	4.74%	-	4.87%	72 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2023 - 2024 Loan	4.74%	-	4.99%	36 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2023 - 2024 Loan	4.99%	-	5.18%	48 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
New Auto 2025 & Newer	5.24%	-	5.35%	84 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2023 - 2024 Loan	5.24%	-	5.40%	60 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2023 - 2024 Loan	5.74%	-	5.87%	72 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2020 - 2022 Loan	5.74%	-	5.99%	36 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2020 - 2022 Loan	5.99%	-	6.18%	48 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2015 - 2019 Loan	5.99%	-	6.24%	36 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2023 - 2024 Loan	6.24%	-	6.36%	84 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2020 - 2022 Loan	6.24%	-	6.40%	60 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2015 - 2019 Loan	6.24%	-	6.43%	48 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2020 - 2022 Loan	6.49%	-	6.62%	72 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2015 - 2019 Loan	6.49%	-	6.65%	60 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2020 - 2022 Loan	6.74%	-	6.86%	84 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2015 - 2019 Loan	6.74%	-	6.87%	72 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2014 & Older Loan	6.99%	-	7.24%	36 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2014 & Older Loan	7.49%	-	7.69%	48 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Auto - 2014 & Older Loan	7.99%	-	8.15%	60 Months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loan	7.99%	8.08%	Up to 180 Months3
Details Model Year: 2026 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Recreational Vehicle Loans	7.99%	8.08%	36 months
Details Floor rate: 7.99%. Processing fees: $124 for all recreational vehicle loans; UCC filing fees are $40, when applicable. Loan Payment Example: A $10,000 loan at 8.24% rate (8.47% APR) for 60 months results in an estimated monthly payment of $203.91. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Motorcycles Loan	7.99%	8.16%	Up to 84 Months2
Details Model Year: 2026 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Powersport: ATV, UTV, Snowmobile & Personal Watercraft Loan	8.24%	8.47%	Up to 60 Months1
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Boats Loan	8.99%	9.08%	Up to 180 Months3
Details Model Year: 2017 - 2025 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers Loan	8.99%	9.08%	Up to 180 Months3
Details Model Year: 2026 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Motorcycles Loan	8.99%	9.16%	Up to 84 Months2
Details Model Year: 2017 - 2025 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
RV Campers, Travel Trailers, Fifth Wheels & Pop-Up Campers Loan	9.99%	10.09%	Up to 180 Months3
Details Model Year: 2017 - 2025 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Personal Loan Rates

Product	APR	Term
Powersport: ATV, UTV, Snowmobile & Personal Watercraft Loan	8.47%	Up to 60 Months1
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Signature Loan	14.60%	Up to 36 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Signature Loan	16.65%	Up to 48 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Signature Loan	16.85%	Up to 60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Credit Union 1 Credit Union Rantoul, IL Other Rates

Product	Rate	Points	APY/APR
Interest Only Payment Up to 80% CLTV - Primary Residence Only Loan	-	-	7.25%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as; Then Variable Rate as low as Prime + 0.24%; Currently at: 7.25% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Interest Only Payment Up to 90% CLTV - Primary Residence Only Loan	-	-	8.25%
Details Intro/promo APR: 3.99%; Fixed Rate Promo as low as; Then Variable Rate as low as Prime + 0.24%; Currently at: 8.25% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 100% CLTV - Primary Residence Only Loan	-	-	9.50%
Details Then Variable Rate: Currently at: 9.50% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 50% CLTV - Primary Residence Only Loan	-	-	6.50%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as; Then Variable Rate: Currently at: 6.50% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 70% CLTV - Secondary Residence Only Loan	-	-	8.50%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as; Then Variable Rate as low as Prime + 1.99%; Currently at: 8.50% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 80% CLTV - Primary Residence Only Loan	-	-	7.00%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as; Then Variable Rate: Currently at: 7.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 80% CLTV - Secondary Residence Only Loan	-	-	9.00%
Details Intro/promo APR: 2.99%; Fixed Rate Promo as low as; Then Variable Rate as low as Prime + 1.99%; Currently at: 9.00% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Up to 90% CLTV - Primary Residence Only Loan	-	-	8.00%
Details Intro/promo APR: 3.99%; Fixed Rate Promo as low as; Then Variable Rate: Currently at: 8.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Business ModernFI Sweep Account	0.30%	-	0.30%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

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Financial Health History

Credit Union 1 Credit Union Rantoul, IL’s Texas Ratio fell from 9.99% in Q2 2023 to 8.37% in Q1 2026, so its financial health has improved 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
March 31, 2026	$2.6B	8.37%	5.0	A
December 31, 2025	$2.3B	9.20%	5.0	A
September 30, 2025	$2.3B	7.86%	5.0	A
June 30, 2025	$1.9B	9.09%	5.0	A
March 31, 2025	$1.9B	8.15%	5.0	A
December 31, 2024	$1.9B	10.16%	5.0	A
September 30, 2024	$1.9B	7.88%	5.0	A
June 30, 2024	$1.7B	6.98%	5.0	A
March 31, 2024	$1.7B	8.23%	5.0	A
December 31, 2023	$1.7B	9.97%	5.0	A
September 30, 2023	$1.6B	9.64%	5.0	A
June 30, 2023	$1.6B	9.99%	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 Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union 1 Credit Union Rantoul, IL

Website https://www.creditunion1.org

Address 450 E 22nd St Ste 250, Lombard, IL 60148-6176

Phone 800-252-6950

Fax

President Robert Eberhardt

CEO Todd Gunderson

Full-Time Employees 608

Part-Time Employees 29

Branch Locations 42

ATM Locations 33

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.37%

Return on Assets (ROA)

0.6195%

Return on Equity (ROE)

6.5176%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

2,637,675,407

Total Amount of Shares and Deposits

2,295,693,262

Total Shares and Deposits < 1 Year

2,168,478,764

Total Shares and Deposits 1 3 Years

102,641,379

Total Shares and Deposits > 3 Years

24,573,119

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

221,515,981

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

285,637,186

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

2,010,056,076

Total Interest Expense (Sum of items 6 8)

9,451,930

Share Certificates

9,084

Number of Accounts for Share Drafts

90,080

IRA KEOGH Accounts

4,072

Number of Accounts for Regular Shares

185,898

Non Member Deposits

Money Market Shares

2,950

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)

140,734,766

Total Liabilities

2,401,679,661

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Credit Union 1 Credit Union Rantoul, IL earned the Verified Healthy badge

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Frequently Asked Questions About Credit Union 1 Credit Union Rantoul, IL

How many branches does Credit Union 1 Credit Union Rantoul, IL operate?

Credit Union 1 Credit Union Rantoul, IL 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 Credit Union 1 Credit Union Rantoul, IL?

Yes, to access services at Credit Union 1 Credit Union Rantoul, IL, 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, Credit Union 1 Credit Union Rantoul, IL 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, Credit Union 1 Credit Union Rantoul, IL provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union 1 Credit Union Rantoul, IL offer online and mobile banking?

Most modern institutions like Credit Union 1 Credit Union Rantoul, IL 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.creditunion1.org.