☰

Home›
Credit Unions›
Central Illinois Credit Union

iAdvertiser Disclosure

Central Illinois Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Illinois 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: September 10, 2026

Central Illinois Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Central Illinois Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.71%. Rates last updated and verified on 09/10/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.71%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Central Illinois Credit Union
Central Illinois Credit Union

2106 w john st
champaign, IL 61821

https://www.cicu.com

Central Illinois Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicles Loan	-	-	3.50%
Details Add 5% to all auto loan rates and reduce term for 12 months for scooters, ATVs, and jet skis. For these items, proof of insurance and title needs to be provided before the loan is disbursed. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan	-	-	3.50%	60 Months
Details As Low As; loan value over $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan	-	-	4.00%	72 Months
Details As Low As; loan value over $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan	-	-	5.50%	48 Months
Details As Low As; loan value over $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan	-	-	6.50%	60 Months
Details As Low As; loan value over $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Central Illinois Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	11.75%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Central Illinois Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.50%	36 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Signature Loans	9.50%
Details Rates and terms available to qualified borrowers. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

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

Central Illinois Credit Union’s Texas Ratio fell from 11.57% in Q2 2023 to 5.71% in Q1 2026, so its financial health has improved 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 amber line marks the 15% level a credit union must stay under 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 threshold

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
March 31, 2026	$26M	5.71%	5.0	A+
December 31, 2025	$25M	7.20%	5.0	A
September 30, 2025	$26M	7.89%	5.0	A
June 30, 2025	$26M	9.50%	5.0	A
March 31, 2025	$28M	16.06%	4.9	A-
December 31, 2024	$27M	14.88%	5.0	A-
September 30, 2024	$26M	14.19%	5.0	A-
June 30, 2024	$25M	15.83%	4.9	A-
March 31, 2024	$26M	13.61%	5.0	A
December 31, 2023	$25M	16.23%	4.9	A-
September 30, 2023	$25M	16.33%	4.9	A-
June 30, 2023	$25M	11.57%	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 Central Illinois 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 Central Illinois 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 Central Illinois Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Illinois Credit Union

Website https://www.cicu.com

Address 2106 w john st, champaign, IL 61821

Phone 217-356-9721

Fax 217-356-0044

President Koren Gladney

CEO chelsea anderson

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.71%

Return on Assets (ROA)

0.2441%

Return on Equity (ROE)

2.0280%

Non-Performing Loans Ratio (NPL)

1.67%

Total Assets

25,731,839

Total Amount of Shares and Deposits

22,486,152

Total Shares and Deposits < 1 Year

22,486,153

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

187,222

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

187,222

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

22,298,930

Total Interest Expense (Sum of items 6 8)

5,599

Share Certificates

Number of Accounts for Share Drafts

1,850

Number of Accounts for Regular Shares

3,556

All other shares

439

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

62,806

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)

3,828,301

Total Liabilities

22,634,939

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Central Illinois Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/central-illinois-credit-union-rates-review-65186">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Central Illinois Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Central Illinois Credit Union

Frequently Asked Questions About Central Illinois Credit Union

How many branches does Central Illinois Credit Union operate?

Central Illinois 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 Central Illinois Credit Union?

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

Does Central Illinois Credit Union offer online and mobile banking?

Most modern institutions like Central Illinois 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.cicu.com.