Credit union · NCUA insured
CEFCU
Top CarrotA $8.6B credit union, the 44th largest of 4,329, headquartered in Peoria, IL, with 421,142 members and 36 branches in 2 states. Best rates: CDs 3.65% and savings 2.40% APY.
CEFCU Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#4 of 27 in Peoria, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CEFCU
Headquartered in Peoria, Illinois, CEFCU serves communities across Central Illinois, the Metro East area of Southern Illinois, and the San Jose area of California.
- Headquarters
- 5401 W Everett M Dirksen Pkwy, Peoria, IL 61607
- NCUA charter
- 68448
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or regularly worship in designated California counties are eligible to join CEFCU.
- Individuals who live or work in designated Illinois counties are eligible to join CEFCU.
Employers and groups
- Employees and retirees of Caterpillar Inc., its subsidiaries, or Caterpillar Dealerships are eligible to join CEFCU.
- CEFCU employees and retirees are eligible to join CEFCU.
- Employees and retirees of CEFCU partner companies are eligible to join CEFCU.
Military, government and schools
- Current members of the ISU Alumni Association or ISU Athletic Boosters Association are eligible to join CEFCU.
3 more ways to join
Family and household
- Household members of someone eligible to join CEFCU are eligible for membership.
- Immediate family members of someone eligible to join CEFCU are eligible for membership.
- Surviving spouses of deceased members or individuals who died within the field of membership are eligible to join CEFCU within six months of death.
Branches
36 branches in 2 states
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Illinois
29 branches
Peoria area · 15
- CefcuMain office5401 W Everett M Dirksen Pkwy, Peoria, IL 61607Directions
- Chillicothe Member Center110 S 4th St, Chillicothe, IL 61523Directions
- East Peoria Member Center501 Richland St, East Peoria, IL 61611Directions
- Eureka Member Center514 W Center St, Eureka, IL 61530Directions
- Germantown Hills Member Center510 Jubilee Ln, Germantown Hills, IL 61548Directions
- Morton Member Center825 Detroit Ave, Morton, IL 61550Directions
- Pekin Member Center3515 Court St, Pekin, IL 61554Directions
- Airport (Peoria) Member Center5401 W Everett M Dirksen Pkwy, Peoria, IL 61607Directions
- CEFCU Financial Center7900 N University St, Peoria, IL 61615Directions
- Downtown (Peoria) Member Center221 Fulton St, Peoria, IL 61602Directions
- Northpoint Member Center8629 N Knoxville Ave, Peoria, IL 61615Directions
- Sheridan Village Member Center900 W Lake Ave, Peoria, IL 61614Directions
- Summershade Circle Member Center5211 W Landens Way, Peoria, IL 61615Directions
- Valley Park Member Center200 N MacArthur Hwy, Peoria, IL 61605Directions
- Washington Member Center100 Legion Rd, Washington, IL 61571Directions
St. Louis area · 4
- Columbia Member Center180 Admiral Trost Rd, Columbia, IL 62236Directions
- Edwardsville Member Center1254 University Dr, Suite 100, Edwardsville, IL 62025Directions
- Godfrey Member Center2810 Godfrey Rd, Godfrey, IL 62035Directions
- Regency Park Member Center450 Regency Park, O'Fallon, IL 62269Directions
Bloomington area · 3
- Bloomington Empire Member Center2323 E Empire St, Bloomington, IL 61704Directions
- Bloomington Veterans Member Center1114 S Veterans Pkwy, Bloomington, IL 61704Directions
- Normal Member Center3 Traders Cir, Normal, IL 61761Directions
Springfield area · 3
- Springfield Dirksen Member Center2449 N Dirksen Pkwy, Springfield, IL 62702Directions
- Springfield Iles Member Center2424 W Iles Ave, Springfield, IL 62704Directions
- Springfield South Sixth Street1000 E Lincolnshire Blvd, Springfield, IL 62703Directions
Canton area · 1
- Canton Member Center175 E Elm St, Canton, IL 61520Directions
Champaign area · 1
- Prospect Member Center2803 N Prospect Ave, Champaign, IL 61822Directions
Decatur area · 1
- Decatur Member Center3301 N Woodford St, Decatur, IL 62526Directions
Lincoln area · 1
- Lincoln Member Center341 5th St, Lincoln, IL 62656Directions
California
7 branches
San Jose area · 6
- Gilroy Member Center681 Leavesley Rd, Ste. C110, Gilroy, CA 95020Directions
- Branham Member Center171 Branham Ln Ste 12, San Jose, CA 95136Directions
- Evergreen Member Center2980 E Capitol Expy Ste 90, San Jose, CA 95148Directions
- Willow Glen Member Center670 Lincoln Ave, San Jose, CA 95126Directions
- Rivermark Member Center3980 Rivermark Plz, Santa Clara, CA 95054Directions
- Santa Clara Member Center3607 El Camino Real, Santa Clara, CA 95051Directions
San Francisco area · 1
- Osgood Member Center44047 Osgood Rd, Ste 230, Fremont, CA 94539Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.65% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.96% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.35% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $87 | $88 | — |
- CapitalNet worth ratio11.65%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.96%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.35%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$87Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 CEFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.