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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Vicinity Credit Union Rates & Review October 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 and Verified: October 9, 2026
Vicinity Credit Union's top rates as of October 9, 2026 are 2.00% APY on its 12 Month Jumbo CDs CD, 0.02% APY on savings, 2.50% APY on money market accounts, and personal loans from 12.00% APR, according to rates verified by MonitorBankRates. Other Vicinity Credit Union CD rates include 12 Month CDs at 2.00%, 18 Month Jumbo CDs at 2.00%, and 18 Month CDs at 2.00%. MonitorBankRates evaluates the financial stability of Vicinity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 10/09/2026. Vicinity 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 Vicinity Credit Union? Share your experience about Vicinity Credit Union by leaving a review below, or read customer reviews before you decide to use Vicinity Credit Union. Vicinity Credit Union
Pulaski Office 4444 S Pulaski Rd
https://www.unitedcreditunion.com Chicago, IL 60632-4011  Customer Reviews
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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. Vicinity Credit Union CD Rates
Vicinity Credit Union Savings Rates
Vicinity Credit Union Money Market Rates
Vicinity Credit Union Home Equity & HELOC
Vicinity Credit Union Auto Loan Rates
Vicinity Credit Union Personal Loan Rates
Financial Health HistoryVicinity Credit Union’s Texas Ratio fell from 9.41% in Q3 2023 to 4.42% 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 and its Health Grade from A to A+. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vicinity 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 Vicinity 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 Vicinity Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vicinity Credit Union
Address
4444 S Pulaski Rd,
Chicago, IL 60632-4011
Phone
773-376-6000
Fax
President
Phillip Moore
CEO
Mario Aguirre
Full-Time Employees
41
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
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
4.42%
Return on Assets (ROA)
-0.1396%
Return on Equity (ROE)
-1.7046%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
203,927,617
Total Amount of Shares and Deposits
192,718,293
Total Shares and Deposits < 1 Year
191,270,314
Total Shares and Deposits 1 3 Years
1,447,979
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,438,149
Total Uninsured Shares and Deposits > $250K (F+J)
11,438,149
Total Insured Shares and Deposits > $250K (item 17 less item K)
181,280,144
Total Interest Expense (Sum of items 6 8)
1,128,029
Share Certificates
207
Number of Accounts for Share Drafts
6,647
IRA KEOGH Accounts
175
Number of Accounts for Regular Shares
21,193
Money Market Shares
230
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)
34,851,648
Total Liabilities
195,400,118
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Vicinity Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Vicinity Credit UnionHow many branches does Vicinity Credit Union operate?Vicinity 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 Vicinity Credit Union?Yes, to access services at Vicinity 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, Vicinity 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, Vicinity Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vicinity Credit Union offer online and mobile banking?Most modern institutions like Vicinity 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.unitedcreditunion.com. Current Vicinity Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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