Q2 2026 call reports
Best credit unions in Illinois
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving Illinois is State Farm Federal Credit Union with 86.7 out of 100, followed by A.a.e.c. Credit Union (82.2) and Iaa Credit Union (79.6). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversState Farm Federal Credit Union 100th percentile
- Lowest loan ratesState Farm Federal Credit Union 91th percentile
- Lowest feesAlliant Credit Union 100th percentile
- Strongest balance sheetHeartland Credit Union 89th percentile
Top 25 credit unions in Illinois most people can look at
Credit unions headquartered in Illinois or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | State Farm Federal Credit UnionBloomington, IL | 86.7 | 100 | 91 | 99 | 83 | 25 | $5.7B |
| 2 | A.a.e.c. Credit UnionArlington Heights, IL | 82.2 | 79 | 67 | 98 | 83 | 94 | $118.9M |
| 3 | Iaa Credit UnionBloomington, IL | 79.6 | 93 | 63 | 95 | 72 | 72 | $415.0M |
| 4 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 5 | Citizens Equity First Credit UnionPeoria, IL | 68.6 | 69 | 73 | 90 | 47 | 56 | $8.5B |
| 6 | Catholic & Community Credit UnionShiloh, IL | 68.2 | 90 | 64 | 70 | 61 | 34 | $222.7M |
| 7 | CoVantage Credit UnionAntigo, WI · 2 offices here | 64.4 | 87 | 43 | 97 | 22 | 81 | $4.2B |
| 8 | Dutrac Community Credit UnionDubuque, IA · 1 office here | 63.8 | 86 | 67 | 49 | 55 | 49 | $1.3B |
| 9 | Justice Federal Credit UnionChantilly, VA · 1 office here | 63.7 | 47 | 63 | 89 | 44 | 96 | $1.1B |
| 10 | First Community CU of Beloit Credit UnionBeloit, WI · 5 offices here | 63.4 | 98 | 35 | 62 | 40 | 97 | $410.2M |
| 11 | Moline Municipal Credit UnionMoline, IL | 63.2 | 86 | 63 | 47 | 47 | 72 | $66.0M |
| 12 | Streator Onized Credit UnionStreator, IL | 61.0 | 89 | 34 | 33 | 77 | 82 | $423.3M |
| 13 | Heartland Credit UnionSpringfield, IL | 60.9 | 67 | 58 | 31 | 89 | 57 | $573.7M |
| 14 | Illinois State Credit UnionNormal, IL | 60.9 | 75 | 76 | 20 | 49 | 93 | $248.6M |
| 15 | Illinois State Police Federal Credit UnionSpringfield, IL | 60.8 | 52 | 53 | 97 | 65 | 20 | $126.9M |
| 16 | 1st Gateway Credit UnionCamanche, IA · 4 offices here | 60.6 | 60 | 55 | 62 | 77 | 40 | $170.9M |
| 17 | American Airlines Federal Credit UnionFort Worth, TX · 4 offices here | 60.4 | 96 | 48 | 49 | 62 | 22 | $9.5B |
| 18 | Self-Help Federal Credit UnionDurham, NC · 8 offices here | 59.8 | 43 | 31 | 95 | 64 | 95 | $2.4B |
| 19 | Vibrant Credit UnionMoline, IL | 59.7 | 98 | 37 | 74 | 6 | 99 | $1.2B |
| 20 | First Community Credit UnionChesterfield, MO · 7 offices here | 59.1 | 85 | 65 | 70 | 38 | 1 | $5.0B |
| 21 | Dupaco Community Credit UnionDubuque, IA · 1 office here | 59.1 | 82 | 32 | 54 | 62 | 74 | $3.5B |
| 22 | Polish & Slavic Federal Credit UnionBrooklyn, NY · 8 offices here | 58.7 | 5 | 72 | 90 | 73 | 68 | $2.7B |
| 23 | United Community Credit UnionQuincy, IL | 58.4 | 43 | 53 | 60 | 79 | 66 | $134.1M |
| 24 | Healthcare Associates Credit UnionLisle, IL | 57.9 | 71 | 70 | 53 | 52 | 16 | $481.6M |
| 25 | The Credit Union for AllBloomington, IL | 57.8 | 79 | 67 | 63 | 9 | 69 | $89.6M |
Top scores among Illinois credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chicago Firefighter's Credit UnionChicago, IL | 89.6 | 89 | 92 | 99 | 79 | 88 | $92.9M |
| 2 | Galesburg Burlington Credit UnionGalesburg, IL | 84.0 | 89 | 57 | 100 | 90 | 96 | $56.8M |
| 3 | Cooperative Choice Network Credit UnionPeoria, IL | 73.7 | 94 | 70 | 78 | 69 | 32 | $205.9M |
| 4 | Select Employees Credit UnionSterling, IL | 70.2 | 45 | 95 | 72 | 62 | 85 | $78.6M |
| 5 | Policemen's Federal Credit UnionSouth Bend, IN · 1 office here | 69.6 | 73 | 68 | 76 | 77 | 39 | $95.5M |
| 6 | New Century Federal Credit UnionJoliet, IL | 68.6 | 58 | 68 | 94 | 55 | 74 | $60.2M |
| 7 | Merck Sharp & Dohme Federal Credit UnionChalfont, PA · 1 office here | 67.6 | 78 | 69 | 76 | 53 | 51 | $1.0B |
| 8 | Selfreliance Federal Credit UnionChicago, IL | 66.9 | 73 | 76 | 91 | 52 | 11 | $1.2B |
| 9 | Gas and Electric Credit UnionRock Island, IL | 61.2 | 86 | 57 | 54 | 53 | 41 | $132.1M |
| 10 | Members First Community Credit UnionQuincy, IL | 60.5 | 85 | 46 | 2 | 99 | 77 | $111.6M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 93 credit unions scored for Illinois. · All Illinois credit unions · Illinois loan rates · By city
Questions people ask
What is the best credit union in Illinois?
On our score, built only from NCUA call-report data for Q2 2026, State Farm Federal Credit Union ranks first among credit unions with a broad field of membership that serve Illinois, at 86.7 out of 100, followed by A.a.e.c. Credit Union (82.2) and Iaa Credit Union (79.6). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.