Credit union · NCUA insured
Education Personnel Federal Credit Union
Top CarrotA $74.8M credit union headquartered in Danville, IL, with 4,247 members and 2 branches in Illinois. Best rates: savings 0.50% APY.
Education Personnel Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#2 of 9 in Danville, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Education Personnel Federal Credit Union
Serving members since 1937, Education Personnel Federal Credit Union exists to serve the unique financial needs of the employees of Vermilion County Schools.
The credit union is owned entirely by its members and operated exclusively by and for them.
- Headquarters
- 1102 N Walnut St, Danville, IL 61832
- NCUA charter
- 1969
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Danville Area Community College is in EPFCU's field of membership.
- Retirees from the field of membership are eligible for membership.
- Employees of public, private and parochial schools in Vermilion County, Illinois are eligible for membership.
Family and household
- Relatives of members are eligible for membership.
Branches
2 branches in Illinois
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Illinois
2 branches
- Education Personnel Federal Credit UnionMain office1102 N Walnut St, Danville, IL 61832Directions
- Education Personnel Federal Credit Union101 W Main St, Danville, IL 61832Directions
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 | 0.60% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.76% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $51 | $59 | — |
- CapitalNet worth ratio12.26%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.60%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$51Peers’ 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 Education Personnel Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.