What are the current interest rates at Illiana Financial Credit Union?

Current rates for Illiana Financial Credit Union include: 12-Month CD: 2.25%, 24-Month CD: 2.50%, 60-Month CD: 3.51%, Savings: 0.85%, MMA: 0.85%

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Illiana Financial Credit Union

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Illiana Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Illiana Financial 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 10, 2026

Illiana Financial Credit Union's top rates as of October 10, 2026 are 3.51% APY on its 60 Month CD, 0.85% APY on savings, 0.85% APY on money market accounts, 0.85% APY on checking, personal loans from 9.49% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other Illiana Financial Credit Union CD rates include Term CD: Regular & IRA (Traditional & Roth) - 60 mos at 3.51%, 48 Month CD at 3.25%, and Term CD: Regular & IRA (Traditional & Roth) - 48 mos at 3.25%. MonitorBankRates evaluates the financial stability of Illiana Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.13%. Rates last updated and verified on 10/10/2026.

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

3.13%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Illiana Financial Credit Union
Calumet City

1600 Huntington Dr
Calumet City, IL 60409-5404

https://www.illiana.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.

Illiana Financial Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	3.45%	3.51%	60 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 60 mos	3.45%	3.51%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
48 Month Certificate	3.20%	3.25%	48 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 48 mos	3.20%	3.25%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
36 Month Certificate	2.96%	3.00%	36 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 36 mos	2.96%	3.00%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
24 Month Certificate	2.47%	2.50%	24 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 24 mos	2.47%	2.50%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
12 Month Certificate	2.23%	2.25%	12 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 12 mos	2.23%	2.25%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
6 Month Certificate	1.74%	1.75%	6 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 6 mos	1.74%	1.75%	6 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
3 Month Certificate	0.75%	0.75%	3 months
Min Deposit $1,000 Details Regular and IRA (Traditional & Roth); Last declared APY* as of 12/18/2025; Opening Balance is $1,000 min. The penalty for early withdrawal is equal to 1/2 of the interest that would be earned for the term of the certificate. If the certificate has not been opened for 1/2 of the term, the penalty will be all interest earned. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Term Certificate: Regular & IRA (Traditional & Roth) - 3 mos	0.75%	0.75%	3 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Savings Rates

Product	Rate	APY
MaxReturns Savings	0.85%	0.85%
Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.85%	0.85%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.85%	0.85%
Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
MaxReturns Savings	0.70%	0.70%
Details Balance: $25,000 to $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.70%	0.70%
Details Balance: $25,000 to $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
MaxReturns Savings	0.60%	0.60%
Details Balance: $10,000 to $25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.60%	0.60%
Details Balance: $10,000 to $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
MaxReturns Savings	0.30%	0.30%
Details Balance: $2,000 to $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.30%	0.30%
Min Balance $2,000 Details Balance: $2,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.30%	0.30%
Details Balance: $2,000 to $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Savings	0.25%	0.25%
Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Christmas Club	0.20%	0.20%
Min Deposit $20 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Savings	0.20%	0.20%
Details Balance: $25,000 to $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Savings	0.15%	0.15%
Details Balance: $2,000 to $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Savings	0.10%	0.10%
Min Deposit $20 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market IRA	0.85%	0.85%
Min Balance $0 Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.85% ▲ 0.55 pts · high 0.85% / low 0.30% Oct 10, 20260.85%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.85%	0.85%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.85%	0.85%
Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market IRA	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market IRA	0.70%	0.70%
Details Balance: $25,000 to $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.70%	0.70%
Details Balance: $25,000 to $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market IRA	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market IRA	0.60%	0.60%
Details Balance: $10,000 to $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.60%	0.60%
Details Balance: $10,000 to $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market IRA	0.30%	0.30%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.30%	0.30%
Min Balance $2,000 Details Balance: $2,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	0.30%	0.30%
Details Balance: $2,000 to $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Checking Rates

Product	Rate	APY
Money Maker Checking	0.85%	0.85%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 0.85% ▲ 0.60 pts · high 0.85% / low 0.25% Oct 10, 20260.85%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.30%	0.30%
Min Balance $2,000 Details Balance: $2,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 0.20% ▼ 0.50 pts · high 0.70% / low 0.20% Sep 18, 20260.20%▼ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.20% ▼ 0.40 pts · high 0.60% / low 0.20% Sep 18, 20260.20%▼ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Maker Checking	0.15%	0.15%
Min Balance $2,000 Details Balance: $2,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	3.99%	24 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	4.49%	36 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	4.74%	48 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	4.99%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	5.24%	66 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	5.49%	72 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Vehicle Loan	-	-	6.49%	84 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Recreation Vehicle Loan	-	-	8.50%	48-120 months
Details as low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	8.50%	48 - 120 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.75%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Visa Gold	-	9.90%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Secured Visa	-	12.84%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Visa Classic	-	12.84%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Doorway Visa	-	17.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.49%	1 - 60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Signature Loan	9.49%	1-60 months
Details as low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Illiana Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Savings Secured Loan	-	-	4.00%	1-60 months
Details as low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Christmas	0.20%	-	0.20%
Min Deposit $20 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Illiana Financial Credit Union’s Texas Ratio fell from 5.02% in Q3 2023 to 3.13% in Q2 2026, so its financial health has improved and is now 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$264M	3.13%	5.0	A+
March 31, 2026	$263M	4.12%	5.0	A+
December 31, 2025	$254M	4.14%	5.0	A+
September 30, 2025	$253M	3.79%	5.0	A+
June 30, 2025	$253M	4.09%	5.0	A+
March 31, 2025	$257M	5.02%	5.0	A+
December 31, 2024	$254M	5.18%	5.0	A+
September 30, 2024	$255M	4.37%	5.0	A+
June 30, 2024	$257M	3.98%	5.0	A+
March 31, 2024	$259M	4.23%	5.0	A+
December 31, 2023	$258M	5.58%	5.0	A+
September 30, 2023	$259M	5.02%	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 Illiana Financial 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 Illiana Financial 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 Illiana Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Illiana Financial Credit Union

Website https://www.illiana.org

Address 1600 Huntington Dr, Calumet City, IL 60409-5404

Phone 708-891-7800

Fax 708-891-8745

President Russell Melby

CEO James Henmueller

Full-Time Employees 57

Part-Time Employees 1

Branch Locations 4

ATM Locations 2

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

3.13%

Return on Assets (ROA)

0.1747%

Return on Equity (ROE)

1.0061%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

264,236,574

Total Amount of Shares and Deposits

227,476,405

Total Shares and Deposits < 1 Year

202,932,597

Total Shares and Deposits 1 3 Years

22,256,422

Total Shares and Deposits > 3 Years

2,287,386

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

4,752,126

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

4,752,126

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

222,724,279

Total Interest Expense (Sum of items 6 8)

1,119,257

Share Certificates

1,637

Number of Accounts for Share Drafts

9,343

IRA KEOGH Accounts

745

Number of Accounts for Regular Shares

27,061

Non Member Deposits

Money Market Shares

730

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

461,544

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)

17,814,958

Total Liabilities

225,741,742

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Illiana Financial Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Illiana Financial Credit Union

How many branches does Illiana Financial Credit Union operate?

Illiana Financial 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 Illiana Financial Credit Union?

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

Does Illiana Financial Credit Union offer online and mobile banking?

Most modern institutions like Illiana Financial 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.illiana.org.

Current Illiana Financial Credit Union Rates

12-Month CD2.25%
24-Month CD2.50%
60-Month CD3.51%
Savings0.85%
MMA0.85%

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

Compare to Other Credit Unions

Illiana Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Illiana Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Illiana Financial Credit Union

How many branches does Illiana Financial Credit Union operate?

Is a member application needed to join Illiana Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Illiana Financial Credit Union offer online and mobile banking?

Current Illiana Financial Credit Union Rates

Compare to Other Credit Unions