Credit union · NCUA insured
Western Springs Federal Credit Union
A $3.9M credit union headquartered in Western Springs, IL, with 474 members and 1 branch in Illinois. Best rates: savings 0.60% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings810.60%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Western Springs Federal Credit Union
Western Springs Federal Credit Union is a member-owned credit union headquartered in Western Springs, Illinois.
- Headquarters
- 810 Hillgrove Ave, Western Springs, IL 60558
- NCUA charter
- 13481
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of School Districts 101, 102, 105, 106, 107 and private schools in the Lyons Township area are eligible for membership.
Family and household
- Spouses and dependent children of members are eligible to join.
Cost to join
- Membership requires enrolling in payroll deduction or depositing $25 to establish a shares/savings account.
Branches
1 branch in Illinois
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Illinois
1 branch
- Main OfficeMain office810 Hillgrove Ave, Western Springs, IL 60558Directions
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 | 18.19% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio18.19%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 Western Springs 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.