Credit union · Privately insured
United Equity Credit Union
Top CarrotA $67.3M credit union headquartered in Decatur, IL, with 5,870 members and 2 branches in Illinois. Best rates: CDs 4.75% and savings 1.21% APY.
United Equity Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#2 of 15 in Decatur, IL metroHow the score works →
Deposits are privately insured, not by the federal government.
About United Equity Credit Union
United Equity Credit Union has been a member-owned financial institution for over 90 years.
- Headquarters
- 1130 E Pershing Rd, Decatur, IL 62526
- NCUA charter
- 81688
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This may be incomplete or out of date, so check with the credit union before you apply.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 in Fulton, Henry, Knox, Mercer, Peoria, Stark, or Warren counties in Illinois.
Employers and groups
- Membership is available to employees, retirees, members, students, volunteers, and subcontractors of specified partner companies and organizations.
Military, government and schools
- Membership is available to employees and retirees of Decatur Firefighters.
Family and household
- Membership is available to relatives by blood or marriage, including parents, children, stepchildren, grandchildren, brothers and sisters, aunts and uncles, etc.
Branches
2 branches in Illinois
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Illinois
2 branches
Decatur area · 1
- United Equity Credit UnionMain office1130 E Pershing Rd, Decatur, IL 62526Directions
Galesburg area · 1
- Branch-687 Lincoln St687 Lincoln St, Galesburg, IL 61401Directions
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 | 18.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $72 | $59 | — |
- CapitalNet worth ratio18.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$72Peers’ 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 United Equity Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.