What are the current interest rates at Staley Credit Union?

Current rates for Staley Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 2.75%

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Staley Credit Union

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Staley Credit Union Rates & Review October 2026

Q: How many branches does Staley Credit Union operate?

Staley 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.

Q: Is a member application needed to join Staley Credit Union?

Yes, to access services at Staley 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.

Q: Is there a first-time homebuyer program?

Currently, Staley 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Staley 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

Staley Credit Union's top rates as of October 10, 2026 are 3.75% APY on its 12 Month CD, 0.05% APY on savings, 2.75% APY on money market accounts, and 0.13% APY on checking, according to rates verified by MonitorBankRates. Other Staley Credit Union CD rates include 6 Month CD at 3.75%, 30 Month CD at 3.50%, and 18 Month CD at 3.25%. MonitorBankRates evaluates the financial stability of Staley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Staley Credit Union
Corporate Office

3330 N Woodford St
Decatur, IL 62526

https://www.staleycu.com

Privately insuredNot NCUA

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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.

Staley Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.75%	12 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Certificate	-	3.75%	6 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
30 Month Certificate	-	3.50%	30 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Certificate	-	3.25%	18 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Certificate	-	3.25%	24 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Certificate	-	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 10, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Certificate	-	3.00%	48 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 10, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Certificate	-	3.00%	60 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 10, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month IRA Certificate	-	3.00%	60 months
Min Deposit $1,000 Details On 60 month certificates Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 10, 20263.00%▲ from 2.75% Sep 22, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Staley Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.08%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Holiday Club	-	0.08%
Details On all balances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Primary Savings	-	0.05%
Min Deposit $25 Details On all balances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
SCU Regular Savings	-	0.05%
Min Balance $0 Details Balance: $0 - $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
SCU Regular Savings	-	0.05%
Min Balance $2,501 Details Balance: $2,501 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Staley Credit Union Money Market Rates

Product	Rate	APY
Preferred Money Market Accounts	-	2.75%
Min Balance $150,001 Details Balance: $150,001 and Above Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.51% → 2.75% ▲ 0.24 pts · high 2.75% / low 2.51% Oct 10, 20262.75%▲ from 2.51% Sep 14, 20262.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Money Market Accounts	-	2.25%
Min Balance $50,001 Details Balance: $50,001 - $150,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 2.25% ▲ 0.23 pts · high 2.25% / low 2.02% Oct 10, 20262.25%▲ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Money Market Accounts	-	2.15%
Min Balance $25,001 Details Balance: $25,001 - $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.92% → 2.15% ▲ 0.23 pts · high 2.15% / low 1.92% Oct 10, 20262.15%▲ from 1.92% Sep 14, 20261.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Money Market Accounts	-	1.80%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.55% → 1.80% ▲ 0.25 pts · high 1.80% / low 1.55% Oct 10, 20261.80%▲ from 1.55% Sep 14, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Money Market Accounts	-	1.30%
Min Balance $2,001 Details Balance: $2,001 - $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.30% ▲ 0.24 pts · high 1.30% / low 1.06% Oct 10, 20261.30%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Money Market Accounts	-	0.10%
Min Balance $0 Details Balance: $0 - $2,000 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: 0.79%

Staley Credit Union Checking Rates

Product	Rate	APY
Staley Platinum Checking	-	0.13%
Min Balance $25,001 Details Balance: $25,001 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Staley Platinum Checking	-	0.08%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Staley Platinum Checking	-	0.05%
Min Balance $2,501 Details Balance: $2,501 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Staley Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	5.70%	6 to 24-month terms
Details Fixed rate. Funds borrowed are secured and deposited in the member's savings account. Member can only have 1 active Credit Builder Loan at any point in time. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
IRA Share Accounts	-	-	0.20%
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: 0.79%

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

Staley Credit Union’s Texas Ratio stayed near 1.03% in Q3 2023 to 0.79% in Q2 2026, so its financial health has stayed 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	$228M	0.79%	5.0	A+
March 31, 2026	$227M	0.41%	5.0	A+
December 31, 2025	$222M	0.66%	5.0	A+
September 30, 2025	$220M	0.80%	5.0	A+
June 30, 2025	$215M	0.43%	5.0	A+
March 31, 2025	$215M	0.73%	5.0	A+
December 31, 2024	$209M	0.86%	5.0	A+
September 30, 2024	$209M	0.42%	5.0	A+
June 30, 2024	$217M	0.16%	5.0	A+
March 31, 2024	$213M	0.35%	5.0	A+
December 31, 2023	$205M	0.74%	5.0	A+
September 30, 2023	$207M	1.03%	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 Staley 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 Staley 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 Staley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Staley Credit Union

Website https://www.staleycu.com

Address 3330 N Woodford St, Decatur, IL 62526

Phone 217-423-9767

Fax 217-872-5985

President James Slade

CEO Kimberly Ervin

Full-Time Employees 43

Part-Time Employees 8

Branch Locations 6

ATM Locations 5

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.79%

Return on Assets (ROA)

0.6400%

Return on Equity (ROE)

5.4100%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

228,484,479

Total Amount of Shares and Deposits

201,963,589

Total Shares and Deposits < 1 Year

191,387,254

Total Shares and Deposits 1 3 Years

9,750,905

Total Shares and Deposits > 3 Years

825,430

Total Interest Expense (Sum of items 6 8)

1,078,999

Share Certificates

1,000

Number of Accounts for Share Drafts

11,148

IRA KEOGH Accounts

405

Number of Accounts for Regular Shares

20,617

All other shares

Money Market Shares

338

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)

18,886,044

Total Liabilities

204,905,251

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Staley Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Staley Credit Union

How many branches does Staley Credit Union operate?

Staley 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 Staley Credit Union?

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

Does Staley Credit Union offer online and mobile banking?

Most modern institutions like Staley 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.staleycu.com.