Credit union · NCUA insured
Northern Illinois Federal Credit Union
A $18.3M credit union headquartered in DeKalb, IL, with 2,187 members and 1 branch in Illinois. Best rates: CDs 3.50% and savings 0.04% APY.
Northern Illinois Federal Credit Union Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#91 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern Illinois Federal Credit Union
Northern Illinois Federal Credit Union is based in DeKalb, Illinois.
- Headquarters
- 817 W Lincoln Hwy, DeKalb, IL 60115
- NCUA charter
- 19708
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This may be incomplete or out of date, so check with the credit union before you apply.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, work, attend school, or worship in DeKalb County are eligible for membership.
- Individuals who live, work, attend school, or worship in Lee County are eligible for membership.
- Individuals who live, work, attend school, or worship in Ogle County are eligible for membership.
Military, government and schools
- Employees of DeKalb Public Library are eligible for membership.
- Members or employees of Illinois Association of School Business Officials are eligible for membership.
- Employees or affiliates of Northern Illinois University are eligible for membership.
2 more ways to join
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relations) of current members are eligible for membership.
- Members of the same household as current members (defined as persons living in the same residence forming a single economic unit) are eligible for membership.
Cost to join
- An opening deposit of $25 by cash, check, or card is required to open a membership account.
Branches
1 branch in Illinois
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Illinois
1 branch
- Northern Illinois Federal Credit UnionMain office817 W Lincoln Hwy, DeKalb, IL 60115Directions
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 | 14.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.01% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.77% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $109 | $59 | — |
- CapitalNet worth ratio14.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.01%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.77%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$109Peers’ 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 Northern Illinois 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.