Credit union · NCUA insured
Vicinity Credit Union
A $201.2M credit union headquartered in Chicago, IL, with 17,576 members and 3 branches in Illinois. Best rates: CDs 5.15% and savings 0.50% APY.
Vicinity Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#50 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vicinity Credit Union
Vicinity Credit Union is based in Chicago, Illinois, with its principal place of business located on South Pulaski Road.
The financial cooperative operates as a member-owned institution serving its local community.
- Headquarters
- 4444 S Pulaski Rd, Chicago, IL 60632-4011
- NCUA charter
- 60041
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Cook County, Illinois are eligible for membership.
Employers and groups
- Individuals who qualify through their employer are eligible for membership.
Family and household
- Relatives (child, stepchild, parent, step parent, spouse, sibling, step sibling) of a current member are eligible for membership.
Cost to join
- Opening a membership account requires a $25 opening deposit into a Regular Share Savings account, which must maintain a $25 minimum balance at all times.
Branches
3 branches in Illinois
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Illinois
3 branches
- Pulaski OfficeMain office4444 S Pulaski Rd, Chicago, IL 60632Directions
- Hyde Park Office1526 E 55th St, Chicago, IL 60615Directions
- Evergreen Park Branch9148 S Western Ave, Evergreen Park, IL 60805Directions
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 | 8.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $45 | $76 | — |
- CapitalNet worth ratio8.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$45Peers’ 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 Vicinity Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.