Credit union · NCUA insured
Illinois State Credit Union
Top CarrotA $252.6M credit union headquartered in Normal, IL, with 18,449 members and 5 branches in Illinois. Best rates: CDs 4.00% and savings 1.65% APY.
Illinois State Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#4 of 21 in Bloomington, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Illinois State Credit Union
Founded in 1960 to serve Illinois State University employees, Illinois State Credit Union serves over 17,000 members across McLean, Logan, DeWitt, Livingston, Stephenson, Winnebago, and LaSalle Counties.
The credit union operates as a not-for-profit financial institution where members are co-owners.
- Headquarters
- 1309 S Center St, Normal, IL 61761-3458
- NCUA charter
- 64920
Branches
5 branches in Illinois
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Illinois
5 branches
Bloomington area · 3
- Illinois State Credit UnionMain office1309 S Center St, Normal, IL 61761Directions
- 1408 Airport Road1408 Airport Rd, Bloomington, IL 61704Directions
- Bone Student Center Branch100 N University St, Normal, IL 61761Directions
Rockford area · 1
- Loves Park Branch5305 N 2nd St, Loves Park, IL 61111Directions
Ottawa area · 1
- Ottawa Branch311 E Joliet St, Ottawa, IL 61350Directions
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 | 10.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.54% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.98% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio10.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.54%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ 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 Illinois State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.