Credit union · Privately insured
Blackhawk Area Credit Union
A $39.6M credit union headquartered in Savanna, IL, with 3,786 members and 3 branches in Illinois. Best rates: CDs 1.85% and savings 0.50% APY.
Blackhawk Area Credit Union Carrot Score
74
Carrot Score
Higher than 38% of U.S. banks and credit unions
#5 of 7 in Rochelle, IL metroHow the score works →
Deposits are privately insured, not by the federal government.
About Blackhawk Area Credit Union
- Headquarters
- 214 Main St, Savanna, IL 61074-1628
- NCUA charter
- 95042
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives or works in the Illinois counties of Carroll, JoDaviess, Lee, Ogle, Stephenson, and Whiteside.
Family and household
- Family members of current members are eligible for membership regardless of where they live, including spouses, parents, grandparents, children and legal dependents, brothers, sisters and their spouses, grandchildren, aunts, uncles, nieces, nephews, cousins, and sons- and daughters-in-law.
Cost to join
- A deposit of at least $25.00 ($5.00 for individuals under age 26) in a savings account is required and can be withdrawn upon closing membership.
- There is a $1.00 membership fee to join BACU.
Branches
3 branches in Illinois
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Illinois
3 branches
Savanna area · 1
- BACU Savanna Main OfficeMain office214 Main St, Savanna, IL 61074Directions
Freeport area · 1
- Freeport Branch1555 S Float Ave, Freeport, IL 61032Directions
Rochelle area · 1
- Polo Branch201 E Dixon St, Polo, IL 61064Directions
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 | 13.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.13% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio13.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.13%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ 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 Blackhawk 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.