Credit union · NCUA insured
Community Trust Credit Union
A $339.5M credit union headquartered in Gurnee, IL, with 13,417 members and 4 branches in Illinois. Best rates: CDs 4.00% and savings 0.35% APY.
Community Trust Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#75 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community Trust Credit Union
Community Trust Credit Union operates four branch offices in Gurnee, West Gurnee, Grayslake, and Lake Villa.
- Headquarters
- 1313 N Skokie Hwy, Gurnee, IL 60031
- NCUA charter
- 60543
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin are eligible for membership.
Family and household
- Individuals who have a relative who is a CTCU member are eligible for membership.
Cost to join
- Opening a membership requires $5.00.
Branches
4 branches in Illinois
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Illinois
4 branches
- CTCU Gurnee BranchMain office1313 N Skokie Hwy, Gurnee, IL 60031Directions
- CTCU Grayslake Branch1263 N Il Route 83, Grayslake, IL 60030Directions
- CTCU West Gurnee Branch6543 Grand Ave, Gurnee, IL 60031Directions
- CTCU Lake Villa Branch1380 N Deep Lake Rd, Lake Villa, IL 60046Directions
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 | 11.94% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.04% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $47 | $76 | — |
- CapitalNet worth ratio11.94%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.04%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$47Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Community Trust Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.