Credit union · NCUA insured
Kaskaskia Valley Community Credit Union
A $29M credit union headquartered in Centralia, IL, with 3,462 members and 1 branch in Illinois. Best rates: CDs 1.01% and savings 0.25% APY.
Kaskaskia Valley Community Credit Union Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#4 of 6 in Centralia, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kaskaskia Valley Community Credit Union
Originally chartered in 1982, Kaskaskia Valley Community Credit Union serves members across Clinton, Marion, Washington, and Jefferson counties in Southern Illinois.
The member-owned financial cooperative operates three full-service branches located in Centralia, Salem, and Mt. Vernon.
- Headquarters
- 401 S Poplar St, Centralia, IL 62801
- NCUA charter
- 65988
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This may be incomplete or out of date, so check with the credit union before you apply.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 Clinton, Marion, Washington, or Jefferson Counties.
Employers and groups
- Employees and retirees of qualifying Select Employee Groups (SEGs) partnered with the credit union.
Family and household
- Immediate family members of current members.
Cost to join
- A $10 deposit into a Share Savings account is required to establish membership and maintain member-for-life status.
Branches
1 branch in Illinois
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Illinois
1 branch
- Main OfficeMain office401 S Poplar St, Centralia, IL 62801Directions
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 | 7.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.13% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio7.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.13%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Kaskaskia Valley Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.