Credit union · NCUA insured
ISPFCU
A $127.1M credit union headquartered in Springfield, IL, with 6,019 members and 1 branch in Illinois. Best rates: CDs 2.75% and savings 2.00% APY.
ISPFCU Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#6 of 22 in Springfield, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ISPFCU
ISPFCU is headquartered in Springfield, Illinois.
- Headquarters
- 730 Engineering Ave, Springfield, IL 62703
- NCUA charter
- 17335
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees who regularly work in the state and local government industry in the state of Illinois are eligible for membership.
- Retired individuals from the state and local government industry in the state of Illinois are eligible for membership.
Family and household
- Spouses of eligible deceased persons are eligible for membership.
- Members of immediate families of any of the approved eligible groups are eligible for membership.
Branches
1 branch in Illinois
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Illinois
1 branch
- IspfcuMain office730 Engineering Ave, Springfield, IL 62703Directions
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 | 10.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.01% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $23 | $76 | — |
- CapitalNet worth ratio10.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.01%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$23Peers’ 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 ISPFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.