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Cooperative Choice Network Credit Union Rates & Review April 2026

Cooperative Choice Network Credit Union's CDs, Traditional, Roth, Educational IRA's 30 Month Renewal rates are at 3.97%, CDs, Traditional, Roth, Educational IRA's 36 Month Renewal rates are at 3.97%, CDs, Traditional, Roth, Educational IRA's 24 Month Renewal rates are at 3.92%, CDs, Traditional, Roth, Educational IRA's 18 Month Renewal rates are at 3.87%, CDs, Traditional, Roth, Educational IRA's 12 Month Renewal rates are at 3.82%. Cooperative Choice Network Credit Union's savings rates are at 0.95%. Cooperative Choice Network Credit Union's money market rates are at 1.01%. Cooperative Choice Network Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Cooperative Choice Network Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.78%. Rates were last updated on 04/08/2026.

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 Cooperative Choice Network Credit Union by leaving a review below, or read customer reviews before you decide to use Cooperative Choice Network Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.78%
Excellent Lower than avg
Cooperative Choice Network Credit Union
University 3927
3927 N University St
Peoria, IL 61614
https://www.ccncu.com
Member NCUA

Cooperative Choice Network Credit Union CD Rates

Product Rate APY Term View More
Share Certificates, Traditional, Roth, Educational IRA's 30 Month Renewal 3.90% 3.97% 30
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 36 Month Renewal 3.90% 3.97% 36
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 24 Month Renewal 3.85% 3.92% 24
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 18 Month Renewal 3.80% 3.87% 18
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 12 Month Renewal 3.75% 3.82% 12
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 30 Month 3.70% 3.76% 30
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 36 Month 3.70% 3.76% 36
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 6 Month Renewal 3.70% 3.76% 6
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 24 Month 3.65% 3.71% 24
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 18 Month 3.60% 3.66% 18
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 12 Month 3.55% 3.61% 12
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 6 Month 3.50% 3.56% 6
Min Balance $500
Details All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Savings Rates

Product Rate APY View More
Club Accounts 1.05% 1.06%
Min Balance $10,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Savings 1.05% 1.06%
Min Balance $10,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Club Accounts 1.00% 1.01%
Min Balance $1,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Savings 1.00% 1.01%
Min Balance $1,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Club Accounts 0.95% 0.95%
Details Qualifying balance up to $1,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Share Savings 0.95% 0.95%
Min Balance $5
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Money Market Rates

Product Rate APY View More
Money Market 2.60% 2.63%
Min Balance $50,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Money Market 2.40% 2.43%
Min Balance $25,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Money Market 2.30% 2.32%
Min Balance $2,500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Money Market 1.00% 1.01%
Min Balance $25
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 6.00%
Details As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Home Equity Line of Credit - - 6.00%
Details Rate is effective through June 30, 2026
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 3.99%
Details As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Auto Loan 2023 and Newer - - 3.99% 60 Months
Details *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Auto Loan - - 4.24% 72 Months
Details *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Auto Loan 2021 - 2022 - - 4.49% 60 Months
Details *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Auto Loan 2017 - 2020 - - 4.99% 48 Months
Details *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Auto Loan 2016 and Older - - 7.49% 36 Months
Details *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 9.90%
Details As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
VISA Premium - 9.90%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
VISA Preferred - 11.90%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
VISA Classic - 14.90%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Cooperative Choice Network Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.00%
Details As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Personal Loans - 9.00%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Personal Loans - 9.50%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%
Personal Loans - 10.00%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.78%

Methodology & Data Sources

MonitorBankRates 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
Address 3927 N University St, Peoria, IL 61614
Phone 309-672-5230
Fax 309-672-1990
President John Machens
CEO Joseph Webb
Full-Time Employees 26
Part-Time Employees 3
Branch Locations 4
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+ (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

Customer Reviews

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Frequently Asked Questions About Cooperative Choice Network Credit Union

Is 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 1.783544573672%, 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.

Current Cooperative Choice Network Credit Union Rates

  • 12-Month CD3.61%
  • 18-Month CD3.66%
  • 24-Month CD3.71%
  • Savings0.95%
  • MMA1.01%
Retrieved from our database of financial products. Rates subject to change.