Credit union · NCUA insured
2 Rivers Area Credit Union
A $26.6M credit union headquartered in Kankakee, IL, with 3,969 members and 1 branch in Illinois. Best rates: CDs 2.25% and savings 0.25% APY.
2 Rivers Area Credit Union Carrot Score
68
Carrot Score
Higher than 20% of U.S. banks and credit unions
#8 of 11 in Kankakee, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 2 Rivers Area Credit Union
2 Rivers Area Credit Union is headquartered in Kankakee, Illinois.
- Headquarters
- 296 W Jeffery St, Kankakee, IL 60901
- NCUA charter
- 62827
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons living in or working in Kankakee, Will, and Iroquois Counties.
Employers and groups
- Open to employees of Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center.
- Open to persons retired as pensioners or annuitants from qualifying employers (Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center).
Family and household
- Open to spouses of persons who expired while within the field of membership.
- Open to family members (spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, stepparents, stepchildren, step-siblings, and adoptions) and household members (people living in the same residence as a single economic unit) of otherwise eligible persons.
Branches
1 branch in Illinois
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Illinois
1 branch
- 2 Rivers Area Credit UnionMain office296 W Jeffery St, Kankakee, IL 60901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.68% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.78% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.37% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio10.68%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.78%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.37%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 2 Rivers Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.