Credit union · NCUA insured
Central Illinois Credit Union
A $25.7M credit union headquartered in Champaign, IL, with 3,552 members and 1 branch in Illinois. Best rates: CDs 1.00% APY.
Central Illinois Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#6 of 21 in Champaign, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central Illinois Credit Union
Central Illinois Credit Union was incorporated in 1948 in Illinois as John L. Kelly Chapter Credit Union, adopted its current name in 1983, and is headquartered in Champaign, Illinois.
The credit union merged with SuperValu Midwest Federal Credit Union in 2004 and News-Gazette Credit Union in 2006, following which UNFI acquired SuperValu in 2018.
- Headquarters
- 2106 w john st, Champaign, IL 61821
- NCUA charter
- 65186
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside or are employed within Champaign, Coles, Cumberland, DeWitt, Douglas, Ford, Moultrie, or Piatt counties in Illinois are eligible for membership.
Employers and groups
- Employees of IGA stores in Illinois that are corporately owned by SuperValu/UNFI are eligible for membership.
- Owners and employees of IGA and SuperValu/UNFI stores in Illinois and Indiana under contract with and supplied by SuperValu/UNFI Company are eligible for membership.
- Employees and owner operators under contract as suppliers with Brisk and SuperValu/UNFI Company in Urbana, Illinois are eligible for membership.
- Employees of the News-Gazette are eligible for membership.
- Employees of the Credit Union are eligible for membership.
1 more way to join
Family and household
- Immediate family members or household members of eligible persons are eligible for membership.
Cost to join
- Joining CICU requires opening a share (savings) account with a minimum initial deposit of $5.
Branches
1 branch in Illinois
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Illinois
1 branch
- Central Illinois Credit UnionMain office2106 w john st, Champaign, IL 61821Directions
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 | 12.26% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.85% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.28% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio12.26%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.85%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.28%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ 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 Central Illinois Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.