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 Decatur Earthmover 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.
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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 9, 2026
Decatur Earthmover Credit Union's 12 month CDs of Deposit (CDs) rates are at 1.21%, 18 month CDs of Deposit (CDs) rates are at 1.21%, 5 Years CDs of Deposit (CDs) rates are at 1.21%, 2 Years CDs of Deposit (CDs) rates are at 1.16%, 5 Years CDs of Deposit (CDs) rates are at 1.16%. Decatur Earthmover Credit Union's savings rates are at 0.08%. Decatur Earthmover Credit Union's money market rates are at 1.01%. MonitorBankRates evaluates the financial stability of Decatur Earthmover Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates were last updated on 04/09/2026. Decatur Earthmover 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 Decatur Earthmover Credit Union? Share your experience about Decatur Earthmover Credit Union by leaving a review below, or read customer reviews before you decide to use Decatur Earthmover Credit Union. 
Decatur Earthmover Credit Union CD Rates
Decatur Earthmover Credit Union Savings Rates
Decatur Earthmover Credit Union Money Market Rates
Decatur Earthmover Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Decatur Earthmover 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 Decatur Earthmover 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 Decatur Earthmover Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Decatur Earthmover Credit Union
Website
https://www.decu.com
Address
260 W Marion Ave,
Forsyth, IL 62535
Phone
217-872-8170
Fax
217-872-8182
President
John Kraft
CEO
Barry Schmidt
Full-Time Employees
101
Part-Time Employees
5
Branch Locations
6
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.92%
Return on Assets (ROA)
0.3021%
Return on Equity (ROE)
2.5132%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
297,941,935
Total Amount of Shares and Deposits
261,587,392
Total Shares and Deposits < 1 Year
258,753,664
Total Shares and Deposits 1 3 Years
2,115,607
Total Shares and Deposits > 3 Years
718,121
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,960,261
Total Uninsured Shares and Deposits > $250K (F+J)
8,960,261
Total Insured Shares and Deposits > $250K (item 17 less item K)
252,627,131
Total Interest Expense (Sum of items 6 8)
931,596
Share Certificates
525
Number of Accounts for Share Drafts
11,427
IRA KEOGH Accounts
467
Number of Accounts for Regular Shares
23,942
All other shares
362
Money Market Shares
272
Net Income (unless the amount is already included in Undivided Earnings)
900,059
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,289,953
Total Liabilities
264,419,282
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Decatur Earthmover Credit UnionIs Decatur Earthmover Credit Union a safe place to deposit money?Yes, Decatur Earthmover Credit Union is considered a safe financial institution. With a Texas Ratio of 1.9200900903039%, 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 Decatur Earthmover Credit Union operate?Decatur Earthmover 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 Decatur Earthmover Credit Union?Yes, to access services at Decatur Earthmover 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, Decatur Earthmover 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, Decatur Earthmover Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Decatur Earthmover Credit Union offer online and mobile banking?Most modern institutions like Decatur Earthmover 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.decu.com. Current Decatur Earthmover Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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