Credit unions serving Franklin County
County-, city- and ZIP-chartered credit unions. Rates shown are 30-year fixed.
No credit union limits its membership to Franklin County. Every lender below serves the whole state or accepts members nationwide.
Credit unions serving all of Illinois — often the lowest rates
The five lowest 30-year fixed APRs. Lenders that publish a rate but no APR are listed after them and are not ranked against APRs.
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| SERVICEJoin through association membership, family of a member, military service and select employee groups | 6.5% | 6.56% | 0.00 | Oct 27, 2026 | Source |
| FAIRWINDS | 6.5% | 6.64% | 0.79 | Oct 27, 2026 | Source |
| AFFINITYJoin through select employee groups and family of a member | 6.625% | 6.877% | — | Oct 27, 2026 | Source |
| VIBRANTJoin through association membership | 6.875% | 7.014% | -0.13 | Oct 27, 2026 | Source |
| MASS. INSTITUTE OF TECH.Join through employer groups, association membership and family of a member | 7% | 7.028% | 0.28 | Oct 22, 2026 | Source |
36 more lenders serve all of Illinois — see the full Illinois list
These credit unions are based in this state but limit membership to employer groups, associations, military service or family of existing members.
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| FIELDSTONE | 6.625% | 6.788% | — | Oct 27, 2026 | Source |
| I. H. MISSISSIPPI VALLEYJoin through association membership and family of a member | 6.875% | 6.995% | — | Oct 27, 2026Lender's sheet dated Oct 20, 2026 | Source |
| FIRST NORTHERNJoin through employer groups, select employee groups and family of a member | 7% | 7.042% | 0.00 | Oct 27, 2026 | Source |
| HEARTLANDJoin through employer groups, association membership and family of a member | 7% | 7.168% | — | Oct 27, 2026 | Source |
| BAXTERJoin through employer groups and family of a member | 7% | 7.194% | 0.88 | Oct 27, 2026 | Source |
| COMMUNITY TRUSTJoin through family of a member | 7.125% | 7.335% | 0.00 | Oct 27, 2026 | Source |
| ILLINOIS STATE | 7.25% | 7.343% | 0.00 | Oct 27, 2026 | Source |
| CITIZENS EQUITY FIRSTJoin through employer groups, association membership, select employee groups and family of a member | 7.25% | 7.354% | 0.00 | Oct 27, 2026 | Source |
| UNIVERSITY OF ILLINOIS COMMUNITYJoin through association membership, other paths, family of a member and employer groups | 7.25% | 7.54% | — | Oct 27, 2026Lender's sheet dated Oct 21, 2026 | Source |
| R.I.A.Join through military service, association membership, select employee groups and family of a member | 7.375% | 7.581% | — | Oct 27, 2026 | Source |
| THE CREDIT UNION FOR ALLJoin through family of a member and association membership | 7.5% | 7.63% | — | Oct 27, 2026 | Source |
| These lenders publish a rate but no APR — not comparable with the APRs above | |||||
| SIUJoin through association membership, employer groups and family of a member | 7.5% | —Lender publishes rate only | 0.00 | Oct 27, 2026 | Source |
Also lending in Illinois
Public mortgage records (HMDA) show these credit unions made at least three home loans in Illinois, but they're based elsewhere and their membership rules may not fit you. Lenders with fewer than 10 loans on record are listed last. Check how to join before applying.
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| VANTAGELends in Illinois — membership requirements may not fit youHow to join: Membership for VANTAGE is open to people across the St. Louis metropolitan area. Mortgages are offered through Mortgage Solutions, LLC, a wholly owned subsidiary of Vantage Credit Union. Mortgage Solutions, LLC is not licensed in all states; contact them for licensing information. | 6.75% | 6.83% | 0.00 | Oct 27, 2026 | Source |
| NAVY FEDERAL CREDIT UNIONLends in Illinois — membership requirements may not fit youHow to join: Membership in Navy Federal Credit Union is open to active duty, retired, and veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, and Space Force. Department of Defense (DoD) civilians, including employees, contractors, retirees, and annuitants, are also eligible. | 6.75% | 6.898% | 0.50 | Oct 27, 2026 | Source |
| AIMLends in Illinois — membership requirements may not fit youHow to join: Membership is open to employees of AIM Credit Union's partner businesses and their family or household members. Eligible family include spouses, children, parents, siblings, and grandparents. | 6.875% | 6.971% | — | Oct 27, 2026 | Source |
| STATE DEPARTMENTLends in Illinois — membership requirements may not fit youHow to join: State Department Federal Credit Union is open to employees of the U.S. State Department and over 250 other partner organizations, as well as anyone nationwide who joins the American Consumer Council. | 7% | 7% | 0.00 | Oct 27, 2026 | Source |
| WINGS FINANCIALLends in Illinois — membership requirements may not fit youHow to join: Membership is open to individuals and their immediate family members who live or work in eligible MN, WI, or CO counties; the Seattle-Tacoma, WA metro area; the Detroit, MI metro area; the Orlando, FL metro area; or the Atlanta, GA metro area. Eligibility also extends nationwide to employees of airl | 7% | 7.111% | 1.00 | Oct 27, 2026 | Source |
| AMERICAN AIRLINESLends in Illinois — membership requirements may not fit youHow to join: Membership is open to employees and retirees of American Airlines and its subsidiaries, as well as anyone working in the air transportation industry, including TSA/FAA employees, airport support staff, and aviation students. Immediate family and household members of eligible individuals are also inv | 7% | 7.117% | 0.00 | Oct 27, 2026Lender's sheet dated Oct 14, 2026 | Source |
| POLISH & SLAVICLends in Illinois — membership requirements may not fit youHow to join: Membership is open to members of eleven sponsoring Polish-American organizations located in New York, New Jersey, Illinois, and Pennsylvania, such as the Polish & Slavic Center or the Kosciuszko Foundation. | 7.125% | 7.125% | — | Oct 27, 2026 | Source |
| SOUTHWEST AIRLINESLends in Illinois — membership requirements may not fit youHow to join: Membership is primarily available to employees of Southwest Airlines and other partner companies. You may also be eligible to join through family members who are already part of the credit union. | 7% | 7.198% | 0.00 | Oct 27, 2026 | Source |
| BOEING EMPLOYEESLends in Illinois — membership requirements may not fit youHow to join: BECU is open to everyone who lives or works in Washington state, as well as employees of the Boeing Company and their family members. | —Lender publishes APR only | 7.319% | — | Oct 27, 2026 | Source |
| SIGNATURELends in Illinois — membership requirements may not fit youHow to join: Membership in Signature Federal Credit Union is open to immediate family members and household members of existing members. Eligibility also extends to employees of the United States Postal Service whose job title is Postmaster, Postmaster Relief (PMR), Supervisor, or Officer in Charge (OIC), and me | 7.25% | 7.351% | 0.00 | Oct 27, 2026 | Source |
| MICHIGAN STATE UNIVERSITYLends in Illinois — membership requirements may not fit youHow to join: Membership is open to Michigan State University students, faculty, staff, and alumni, as well as their immediate family members. Individuals participating in specific community programs like Lansing SAVE are also eligible to join. | 7.25% | 7.357% | 0.00 | Oct 27, 2026Lender's sheet dated Oct 23, 2026 | Source |
| UNITED NATIONSLends in Illinois — membership requirements may not fit youHow to join: Membership is available to employees, retirees, and consultants of the United Nations and its affiliated agencies, as well as students of the UN International School and members of the United Nations Association of the USA (UNA-USA). Family and household members of existing UNFCU members are also el | 7.375% | 7.41% | 0.00 | Oct 27, 2026 | Source |
| NEIGHBORSLends in Illinois — membership requirements may not fit youHow to join: NEIGHBORS offers scholarships to individuals with a permanent Missouri address in Macon, Monroe, or Shelby County. Their Caring Co-op Neighbors Program assists North Central Missouri Electric Cooperative (NCMEC) members who participate in the program. Eligibility for NCMEC's program also extends to | 7.375% | 7.46% | 0.00 | Oct 27, 2026 | Source |
| NORTHROP GRUMMANLends in Illinois — membership requirements may not fit youHow to join: Membership is open to employees and retirees of Northrop Grumman, LA Metro, and Metrolink, as well as members of the Southern California Historical Aviation Foundation. Immediate family members of current credit union members are also eligible to join. | 7.375% | 7.486% | 0.00 | Oct 22, 2026 | Source |
| ADVANCIALLends in Illinois — membership requirements may not fit youHow to join: Membership is open to employees or associates of participating Select Employer Groups, those who live, work, worship, or attend school in served communities in LA, NC, and SC, and their immediate family members.Low confidence — only 6 Illinois mortgages on public records (2025) | 6.75% | 6.94% | 0.85 | Oct 27, 2026 | Source |
| BANK FUND STAFFLends in Illinois — membership requirements may not fit youHow to join: Membership is open to employees, contractors, interns, and retirees of the World Bank Group and the International Monetary Fund. Family members and individuals living in the same household as a member or eligible employee are also invited to join.Low confidence — only 6 Illinois mortgages on public records (2025) | 6.625% | 6.946% | 2.80 | Oct 27, 2026 | Source |
| ALL INLends in Illinois — membership requirements may not fit youHow to join: Membership in ALL IN Credit Union is open to those who live, work, worship, or attend school in Pike or Crenshaw Counties in Alabama, or Jackson or Walton Counties in Florida. Eligibility also extends to people in various other counties in Alabama (Barbour, Bullock, Butler, Coffee, Conecuh, CovingtoLow confidence — only 4 Illinois mortgages on public records (2025) | 7% | 7.134%Quoted scenarioThis lender publishes rates only through a quote tool. We entered these details to get this number:
| 0.00 | Oct 27, 2026 | Source |
| MASSMUTUALLends in Illinois — membership requirements may not fit youHow to join: MassMutual Federal Credit Union's bylaws state that its field of membership is limited to that specified in Section 5 of its charter. The bylaws also indicate that once a person becomes a member, they remain a member unless they choose to withdraw or are expelled. To become a member, applicants mustLow confidence — only 4 Illinois mortgages on public records (2025) | 7.125% | 7.175% | — | Oct 22, 2026 | Source |
| HONORLends in Illinois — membership requirements may not fit youHow to join: Honor Credit Union membership is open to anyone who lives, works, worships, or attends school in the state of Michigan, as well as select counties in northern Indiana and Wisconsin. Immediate family members of current members are also eligible to join.Low confidence — only 7 Illinois mortgages on public records (2025) | 7.125% | 7.212% | 0.00 | Oct 27, 2026 | Source |
| INOVALends in Illinois — membership requirements may not fit youHow to join: INOVA Federal Credit Union serves employees, retirees, and members of more than 1,950 Select Employer Groups (SEGs) — a wide range of companies, schools, churches, non-profits, and associations, primarily concentrated in Indiana (Elkhart County and Michiana) plus partner locations across the U.S. ImLow confidence — only 7 Illinois mortgages on public records (2025) | 7.25% | 7.29% | — | Oct 27, 2026 | Source |
| UTILITIES EMPLOYEESLends in Illinois — membership requirements may not fit youHow to join: Utilities Employees Credit Union serves employees and retirees of partner utility companies nationwide. Additionally, all Pennsylvania residents are eligible to join through a membership in the Pennsylvania American Consumer Council, and family members of current UECU members may also join.Low confidence — only 3 Illinois mortgages on public records (2025) | 7.25% | 7.351% | — | Oct 27, 2026Lender's sheet dated Jan 1, 2025 | Source |
| SKYLALends in Illinois — membership requirements may not fit youHow to join: Membership is open to people who live, work, worship or attend school in Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan or Union counties in North Carolina, or Chester, Lancaster or York counties in South Carolina. You can also qualify through a partner employer, an immediate family member wLow confidence — only 3 Illinois mortgages on public records (2025) | 7.25% | 7.385% | — | Oct 27, 2026Lender's sheet dated Oct 1, 2026 | Source |
| ITHINK FINANCIALLends in Illinois — membership requirements may not fit youHow to join: Membership is open to individuals who live, work, worship, or attend school in over 50 eligible counties across Georgia and Florida. Employees of participating member companies and immediate family or household members of current members are also eligible to join.Low confidence — only 3 Illinois mortgages on public records (2025) | 7.375% | 7.46% | 0.00 | Oct 27, 2026 | Source |