Credit union · NCUA insured
Rock Valley Credit Union
Top CarrotA $178.3M credit union headquartered in Loves Park, IL, with 15,767 members and 4 branches in Illinois. Best rates: CDs 4.25% and savings 0.15% APY.
Rock Valley Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 23 in Rockford, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rock Valley Credit Union
Rock Valley Credit Union operates three branches across northern Illinois and southern Wisconsin, serving the community for nearly 60 years.
In May 2026, members of Rockford Municipal Employees Credit Union approved a merger with Rock Valley Credit Union.
- Headquarters
- 1201 Clifford Ave, Loves Park, IL 61111
- NCUA charter
- 68687
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, or attends school in Winnebago, Boone, Ogle, DeKalb, Lee, or Stephenson counties in Illinois, or in Green, Rock, or Walworth counties in Wisconsin.
Family and household
- Membership extends to anyone in the immediate family, defined as any relative by blood or marriage, domestic partners, and foster or adopted children.
Branches
4 branches in Illinois
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Illinois
4 branches
Rockford area · 2
- Loves ParkMain office1201 Clifford Ave, Loves Park, IL 61111Directions
- Machesney Park11280 Forest Hills Rd, Machesney Park, IL 61115Directions
Rochelle area · 1
- Rochelle561 Flagg Road, Rochelle, IL 61068Directions
Chicago area · 1
- DeKalb County2676 DeKalb Ave, Sycamore, IL 60178Directions
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 | 11.50% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.69% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio11.50%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.69%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ 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 Rock Valley Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.