Credit union · NCUA insured
New Century Federal Credit Union
Top CarrotA $59.1M credit union headquartered in Joliet, IL, with 4,530 members and 2 branches in Illinois. Best rates: CDs 4.36% and savings 1.00% APY.
New Century Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#3 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About New Century Federal Credit Union
New Century Federal Credit Union is based in Joliet, Illinois, and operates offices in Joliet and New Lenox.
- Headquarters
- 291 Springfield Ave, Joliet, IL 60435-6509
- NCUA charter
- 1251
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This may be incomplete or out of date, so check with the credit union before you apply.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 living or working on the east side of Joliet or specific areas of Crest Hill, Lockport, or Rockdale.
Employers and groups
- Membership is open to individuals who work for one of New Century's partner payroll groups.
Family and household
- Membership is open to immediate family members of a New Century FCU member.
Branches
2 branches in Illinois
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Illinois
2 branches
- Springfield Ave OfficeMain office291 Springfield Ave, Joliet, IL 60435Directions
- New Lenox Office1910 Ferro Dr, New Lenox, IL 60451Directions
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 | 13.89% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.76% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $47 | $59 | — |
- CapitalNet worth ratio13.89%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$47Peers’ 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 New Century Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.