Cooperative Choice Network Credit Union Rates and Review March 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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Cooperative Choice Network 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 Cooperative Choice Network Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Cooperative Choice Network Credit Union Texas RatioCooperative Choice Network Credit Union's Texas Ratio is at 1.78%, which is considered excellent. The Texas Ratio for Cooperative Choice Network 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 Cooperative Choice Network 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
Exceptional
Out of 5.0 Stars
Cooperative Choice Network 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, Cooperative Choice Network Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Cooperative Choice Network Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/08/2026
Cooperative Choice Network Credit Union
University 3927 3927 N University St
Peoria, IL 61614 
Cooperative Choice Network Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Cooperative Choice Network 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 Cooperative Choice Network 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 Cooperative Choice Network Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cooperative Choice Network Credit Union
Website
https://www.ccncu.com
Street Address
3927 N University St
City / State / Zip
Peoria, IL 61614
Phone Number
309-672-5230
Fax Number
309-672-1990
President
John Machens
CEO
Joseph Webb
Full Time Employees
26
Part Time Employees
3
Branch Locations
4
ATM Locations
1
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.78%
Return on Assets (ROA)
0.2766%
Return on Equity (ROE)
2.1393%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
198,779,465
Total Amount of Shares and Deposits
173,506,620
Total Shares and Deposits < 1 Year
165,868,704
Total Shares and Deposits 1 3 Years
7,637,917
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,030,396
Total Uninsured Shares and Deposits > $250K (F+J)
1,030,396
Total Insured Shares and Deposits > $250K (item 17 less item K)
172,476,224
Total Interest Expense (Sum of items 6 8)
2,791,968
Share Certificates
2,561
Number of Accounts for Share Drafts
8,483
IRA KEOGH Accounts
456
Number of Accounts for Regular Shares
14,389
Money Market Shares
410
Net Income (unless the amount is already included in Undivided Earnings)
549,766
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,920,772
Total Liabilities
173,706,219
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cooperative Choice Network Credit UnionIs Cooperative Choice Network Credit Union a safe place to deposit money?Yes, Cooperative Choice Network Credit Union is considered a safe financial institution. With a Texas Ratio of 1.78%, 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 Cooperative Choice Network Credit Union operate?Cooperative Choice Network 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 Cooperative Choice Network Credit Union?Yes, to access services at Cooperative Choice Network 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, Cooperative Choice Network 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, Cooperative Choice Network Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cooperative Choice Network Credit Union offer online and mobile banking?Most modern institutions like Cooperative Choice Network 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.ccncu.com. Compare to Other Credit Unions
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You can compare Cooperative Choice Network Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 2.41% and 3-month share certificate rates at 4.08%. Savings rates are at 0.01% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates, and more, can be found in our database of rates which you can compare to 
