Credit union · NCUA insured
Fox Valley Credit Union
Top CarrotA $46.6M credit union headquartered in Aurora, IL, with 3,399 members and 3 branches in 2 states. Best rates: CDs 4.08% and savings 1.00% APY.
Fox Valley Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#23 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fox Valley Credit Union
Founded in 1937 for employees of the Chicago, Burlington and Quincy Railroad, Fox Valley Credit Union converted to a community charter in 2008.
The credit union operates branches in Aurora and Oswego, Illinois.
- Headquarters
- 575 N Broadway, Aurora, IL 60505
- NCUA charter
- 63286
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live or work in Aurora, Montgomery, or Kendall County.
Employers and groups
- Membership is open to employees of several Select Employer Groups (SEGs), including Burlington Northern Santa-Fe Railway and The Dial Corporation (and their affiliates).
Family and household
- Family members (defined as mother, father, brother, sister, children) of members can join even if living outside the area.
Cost to join
- An initial and minimum share deposit into a savings account is required for membership.
Branches
3 branches in 2 states
Loading map…
Illinois
2 branches
- Fox Valley Credit UnionMain office575 N Broadway, Aurora, IL 60505Directions
- FVCU: Oswego Office1 W Merchants Dr, Oswego, IL 60543Directions
Iowa
1 branch
- FVCU: Iowa Dial Office2495 208th St., Montrose, IA 52639Directions
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 | 15.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.40% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio15.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.40%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ 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 Fox Valley Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.