Credit Unions You Can Join in Illinois

Community credit unions in Illinois that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Illinois

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Illinois

Members, largest first: Scott Credit Union 132,358; Vicinity Credit Union 18,678; Midwest Members Credit Union 17,590; Rock Valley Credit Union 15,693; Community Trust Credit Union 13,431; United Community Credit Union 10,430; Gale Credit Union 4,702; Illinois Valley Credit Union 4,164Scott Credit Union132kVicinity Credit Union19kMidwest Members Credit Union18kRock Valley Credit Union16kCommunity Trust Credit Union13kUnited Community Credit Union10kGale Credit Union4,702Illinois Valley Credit Union4,164
Members of the largest community credit unions in Illinois, from NCUA data.
  1. Scott Credit Union

    Where you live or work

    Edwardsville, IL · 132,358 members · $1.8 billion in assets

    “Scott Credit Union membership is open to anyone living or working in the 32 counties we serve in Illinois and Missouri, plus others who meet certain additional membership eligibility requirements.”from scu.org
    Full details and how to join →
  2. Vicinity Credit Union

    Where you live or work

    Chicago, IL · 18,678 members · $200 million in assets

    “You’re eligible for membership if any of the following apply to you: I live, work, or worship in Cook County, Illinois.”from vicinitycreditunion.com
    Full details and how to join →
  3. Midwest Members Credit Union

    Where you live or work

    Wood River, IL · 17,590 members · $214 million in assets

    “Anyone who lives, works, worships, volunteers in, or attends school in Bond, Calhoun, Clinton, Greene, Jersey, Macoupin, Madison, Monroe, Montgomery, or St.”from midmembers.org
    Full details and how to join →
  4. Rock Valley Credit Union

    Where you live or work

    Loves Park, IL · 15,693 members · $172 million in assets

    “If you live, work, worship, or attend school in Winnebago, Boone, Ogle, DeKalb, Lee, or Stephenson counties in Illinois, or in Green, Rock, or Walworth counties in Wisconsin you can join Rock Valley Credit Union.”from rockvalleycreditunion.org
    Full details and how to join →
  5. Community Trust Credit Union

    Where you live or work

    Gurnee, IL · 13,431 members · $331 million in assets

    “Live or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin, or have a relative who is a CTCU member.”from ctcu.org
    Full details and how to join →
  6. United Community Credit Union

    Where you live or work

    Quincy, IL · 10,430 members · $127 million in assets

    “Individuals living or working in Adams, Brown, Hancock, Pike, and Schuyler in Illinois or in Lewis, Marion, & Ralls counties in Missouri are eligible to join our credit union.”from myuccu.com
    Full details and how to join →
  7. Gale Credit Union

    Where you live or work

    Galesburg, IL · 4,702 members · $68 million in assets

    “Membership with Gale Credit Union is open to anyone who lives or works in Knox, Warren, Henderson, Mercer, Henry, Stark, Peoria, Tazewell, Mason, and Woodford counties, Illinois and once a Member, always a Member.”from galecu.net
    Full details and how to join →
  8. Illinois Valley Credit Union

    Where you live or work

    Peru, IL · 4,164 members · $37 million in assets

    “Any and all persons, who live, work, reside, or worship in LaSalle, Bureau or Putnam Counties of Illinois are eligible for membership.”from ivcu.com
    Full details and how to join →
  9. Community Plus Credit Union

    Where you live or work

    Rantoul, IL · 3,584 members · $27 million in assets

    “Anyone who lives, works, worships, or attends school in Champaign, Ford or Piatt County can open account.”from cplusfcu.org
    Full details and how to join →
  10. Riverside Community Credit Union

    Where you live or work

    Kankakee, IL · 3,540 members · $46 million in assets

    “Membership is open to anyone who lives or works within a 30-mile radius of the city of Kankakee.”from riversidecu.com
    Full details and how to join →
  11. Fox Valley Credit Union

    Where you live or work

    Aurora, IL · 3,405 members · $46 million in assets

    “Membership is open to those who live or work in Aurora, Montgomery, or Kendall County, along with several Employer Select Groups (SEG's), such as the Burlington Northern Santa-Fe Railway and the Dial Corporation (and their affiliates).”from foxvalleycu.com
    Full details and how to join →
  12. Moline Municipal Credit Union

    Where you live or work

    Moline, IL · 2,920 members · $67 million in assets

    “AND — anyone who lives or works in Rock Island County”from molinecu.org
    Full details and how to join →

Who can join, across Illinois's credit unions

Who can join, across 173 credit unions in Illinois. Anyone can join: 0; Anyone, via an association or donation: 1; Live, work or worship in a named area: 18; Employer, union or church group: 10; Sentence too vague to sort: 28; No eligibility sentence on file: 116Anyone can join0Anyone, via an association or donation1Live, work or worship in a named area18Employer, union or church group10Sentence too vague to sort28No eligibility sentence on file116
Credit unions in Illinois on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.