Credit union · NCUA insured
Land of Lincoln Credit Union
A $517.7M credit union headquartered in Decatur, IL, with 35,390 members and 14 branches in Illinois. Best rates: CDs 3.97% and savings 1.46% APY.
Land of Lincoln Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 15 in Decatur, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Land of Lincoln Credit Union
Founded in 1947, Land of Lincoln Credit Union originally served employees of the Decatur Signal Depot, a Federal Communications Facility.
Today, the member-owned credit union serves individuals who live or work across 28 Illinois counties.
LLCU has expanded through bank acquisitions, including Colchester State Bank in 2023 and Williamsville State Bank & Trust in 2026.
- Headquarters
- 4850 E Prosperity Place, Decatur, IL 62521
- NCUA charter
- 63716
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who works or resides in 28 specified Illinois counties.
Employers and groups
- Membership is open to current employees of Land of Lincoln Credit Union's Premier Partners.
Family and household
- Membership is open to immediate family members of a current Land of Lincoln Credit Union member (children, parents, spouses, siblings, grandparents, and grandchildren), regardless of residence.
Other ways
- Membership is open to members, associate members, clergy, pastors, or affiliates of a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference.
Branches
14 branches in Illinois
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Illinois
14 branches
Decatur area · 3
- ProsperityMain office4850 E Prosperity Place, Decatur, IL 62521Directions
- Mound3130 E Mound Rd, Decatur, IL 62526Directions
- Oakland2890 N Oakland Ave, Decatur, IL 62526Directions
Effingham area · 2
- Effingham - North1302 Thelma Keller Ave, Effingham, IL 62401Directions
- Effingham - South2302 S Banker St, Effingham, IL 62401Directions
Charleston area · 2
- Mattoon720 Broadway Ave, Mattoon, IL 61938Directions
- Mattoon - Lakeland500 Lake Land Blvd, Mattoon, IL 61938Directions
Centralia area · 1
- Centralia234 N Poplar St, Centralia, IL 62801Directions
Macomb area · 1
- Colchester113 E Depot St, Colchester, IL 62326Directions
Nokomis area · 1
- Nokomis100 W State St, Nokomis, IL 62075Directions
Bloomington area · 1
- Bloomington/Normal115 Susan Dr, Unit 1, Normal, IL 61761Directions
Taylorville area · 1
- Pana206 S Locust St, Pana, IL 62557Directions
Springfield area · 1
- Springfield300 S Grand Ave W, Springfield, IL 62704Directions
Vandalia area · 1
- Vandalia925 New York Dr, Suite 4, Vandalia, IL 62471Directions
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 | 9.81% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.91% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.23% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio9.81%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.91%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ 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 Land of Lincoln Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.