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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.
 Consumers Credit Union Rates & Review September 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: August 31, 2026
Consumers Credit Union's 13-Month CD rates are at 4.35%, 7-Month CD rates are at 4.35%, IRA CD Options 13 month rates are at 4.35%, IRA CD Options 7 month rates are at 4.35%, 7 month Super Jumbo/Super Jumbo IRA & HSA CD rates are at 4.35%. Consumers Credit Union's savings rates are at 0.03%. Consumers Credit Union's money market rates are at 0.00%. Consumers Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Consumers Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.46%. Rates last updated and verified on 08/31/2026. Consumers 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 Consumers Credit Union? Share your experience about Consumers Credit Union by leaving a review below, or read customer reviews before you decide to use Consumers Credit Union. Consumers Credit Union
Lake Forest Admin Building 300 N Field Dr
https://www.myconsumers.org lake Forest, IL 60045-2513 
Consumers Credit Union CD Rates
Consumers Credit Union Savings Rates
Consumers Credit Union Money Market Rates
Consumers Credit Union Checking Rates
Consumers Credit Union Home Equity & HELOC
Consumers Credit Union Auto Loan Rates
Consumers Credit Union Credit Card Rates
Consumers Credit Union Personal Loan Rates
Financial Health HistoryConsumers Credit Union’s Texas Ratio fell from 8.09% in Q2 2023 to 6.46% 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. 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
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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 Consumers 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 Consumers 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 Consumers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Consumers Credit Union
Website
https://www.myconsumers.org
Address
300 N Field Dr,
lake Forest, IL 60045-2513
Phone
847-623-3636
Fax
President
Scott Drabicki
CEO
Sean Rathjen
Full-Time Employees
591
Part-Time Employees
5
Branch Locations
24
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.46%
Return on Assets (ROA)
0.0576%
Return on Equity (ROE)
0.6739%
Non-Performing Loans Ratio (NPL)
0.91%
Total Assets
4,571,029,391
Total Amount of Shares and Deposits
3,626,866,078
Total Shares and Deposits < 1 Year
3,534,630,145
Total Shares and Deposits 1 3 Years
89,293,030
Total Shares and Deposits > 3 Years
2,942,903
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
375,427,706
Total Uninsured Shares and Deposits > $250K (F+J)
395,297,200
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,231,568,878
Total Interest Expense (Sum of items 6 8)
26,537,092
Share Certificates
23,305
Number of Accounts for Share Drafts
143,301
IRA KEOGH Accounts
5,620
Number of Accounts for Regular Shares
313,244
All other shares
1,584
Non Member Deposits
1,390
Money Market Shares
8,865
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)
498,482,470
Total Liabilities
4,184,058,896
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsrMIc
December 17, 2025
PcOH
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Frequently Asked Questions About Consumers Credit UnionHow many branches does Consumers Credit Union operate?Consumers 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 Consumers Credit Union?Yes, to access services at Consumers 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, Consumers 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, Consumers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Consumers Credit Union offer online and mobile banking?Most modern institutions like Consumers 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.myconsumers.org. Current Consumers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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