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iAdvertiser Disclosure
Advertiser Disclosure
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 Illiana Financial 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
Illiana Financial Credit Union's Term CDs: Regular & IRA (Traditional & Roth) 60 mos rates are at 3.51%, Term CDs: Regular & IRA (Traditional & Roth) 48 mos rates are at 3.25%, Term CDs: Regular & IRA (Traditional & Roth) 36 mos rates are at 3.00%, Term CDs: Regular & IRA (Traditional & Roth) 24 mos rates are at 2.50%, Term CDs: Regular & IRA (Traditional & Roth) 12 mos rates are at 2.25%. Illiana Financial Credit Union's savings rates are at 0.10%. Illiana Financial Credit Union's money market rates are at 0.30%. Illiana Financial Credit Union's Personal Loan Rates are at 9.49%. 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 4.05%. Rates were last updated on 04/19/2026. 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. Illiana Financial Credit Union
Calumet City 1600 Huntington Dr
https://www.illiana.org Calumet City, IL 60409 5404 
Illiana Financial Credit Union CD Rates
Illiana Financial Credit Union Savings Rates
Illiana Financial Credit Union Money Market Rates
Illiana Financial Credit Union Checking Rates
Illiana Financial Credit Union Auto Loan Rates
Illiana Financial Credit Union Credit Card Rates
Illiana Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
53
Part-Time Employees
2
Branch Locations
4
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.05%
Return on Assets (ROA)
0.4139%
Return on Equity (ROE)
2.3255%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
252,656,439
Total Amount of Shares and Deposits
215,969,047
Total Shares and Deposits < 1 Year
197,711,134
Total Shares and Deposits 1 3 Years
15,595,176
Total Shares and Deposits > 3 Years
2,662,737
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,126,167
Total Uninsured Shares and Deposits > $250K (F+J)
5,126,167
Total Insured Shares and Deposits > $250K (item 17 less item K)
210,842,880
Total Interest Expense (Sum of items 6 8)
1,646,963
Share Certificates
1,507
Number of Accounts for Share Drafts
9,326
IRA KEOGH Accounts
762
Number of Accounts for Regular Shares
27,009
Non Member Deposits
1
Money Market Shares
737
Net Income (unless the amount is already included in Undivided Earnings)
1,045,856
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,544,032
Total Liabilities
214,711,857
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Illiana Financial Credit UnionIs Illiana Financial Credit Union a safe place to deposit money?Yes, Illiana Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0509727513206%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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