Canals And Trails Credit Union Rates and Review February 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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Canals And Trails Credit Union's 12 Month CD rates are at 5.00%, General Rates - 12 Month CD rates are at 5.00%, General Rates - 18 Month CD rates are at 5.00%, 18 Month CD rates are at 4.75%, 6 Month CD rates are at 4.75%. Canals And Trails Credit Union's savings rates are at 0.05%. Canals And Trails Credit Union's money market rates are at 0.25%.
Canals And Trails 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 Canals And Trails Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Canals And Trails Credit Union Texas RatioCanals And Trails Credit Union's Texas Ratio is at 0.64%, which is considered excellent. The Texas Ratio for Canals And Trails Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Canals And Trails Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Canals And Trails Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Canals And Trails Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Canals And Trails Credit Union
Canals and Trails Credit Union Main Office 838 S State St
Lockport, IL 60441 3434 
Canals And Trails Credit Union CD Rates
Canals And Trails Credit Union Savings Rates
Canals And Trails Credit Union Money Market Rates
Canals And Trails Credit Union Checking Rates
Canals And Trails Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Canals And Trails 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 Canals And Trails 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 Canals And Trails Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Canals And Trails Credit Union
Website: https://www.canals-trailscu.org/
Full Time Employees: 5Part Time Employees: 5 President: James Wartenberg CEO: Janet Schuler Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
838 S State St
Lockport, IL 60441 3434 Phone Number: 815-838-7159 Fax Number: 815-838-5581 FinancialsTotal Assets:
33,265,330
Total Amount of Shares and Deposits:
29,705,209
Total Shares and Deposits < 1 Year:
29,569,910
Total Shares and Deposits 1 3 Years:
128,865
Total Shares and Deposits > 3 Years:
6,434
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
32,871
Total Uninsured Shares and Deposits > $250K (F+J):
32,871
Total Insured Shares and Deposits > $250K (item 17 less item K):
29,672,338
Total Interest Expense (Sum of items 6 8):
27,444
Share Certificates:
30
Number of Accounts for Share Drafts:
1,282
IRA KEOGH Accounts:
24
Number of Accounts for Regular Shares:
3,874
Money Market Shares:
61
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
445,185
Total Liabilities:
29,758,796
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Canals And Trails Credit UnionIs a member application needed to join Canals And Trails Credit Union?Yes, to access services at Canals And Trails Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Canals And Trails Credit Union provides a range of mortgage and home equity products. Is Canals And Trails Credit Union a safe place to deposit money?Yes, Canals And Trails Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Canals And Trails Credit Union offer online and mobile banking?Most modern institutions like Canals And Trails Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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