Credit unions serving Winnebago County specifically
County-, city- and ZIP-chartered credit unions. Rates shown are 30-year fixed.
Open to anyone in Winnebago County
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| EDUCATORS | 6.5% | 6.552% | 0.00 | Sep 1, 2026 | Source |
| VIBRANTJoin through association membership | 6.5% | 6.65% | — | Sep 17, 2026 | Source |
| DUTRAC COMMUNITYJoin through family of a member | 6.625% | 6.702% | 0.00 | Sep 17, 2026 | Source |
| ADVIAJoin through family of a member | 6.75% | 6.9% | 0.13 | Sep 17, 2026 | Source |
| CONNEXUSJoin through association membership, family of a member and employer groups | 6.75% | 6.91% | — | Sep 17, 2026 | Source |
| ILLINOIS STATE | 7% | 7.099% | 0.00 | Sep 17, 2026 | Source |
| BLACKHAWK COMMUNITYJoin through other paths | 7.125% | 7.232% | 0.00 | Sep 17, 2026 | Source |
| FIRST COMMUNITY CU OF BELOITJoin through employer groups, association membership and family of a member | 7.125% | 7.251% | 0.00 | Jul 8, 2026 | Source |
| 1ST GATEWAYJoin through family of a member | 7.25% | 7.381% | — | Sep 1, 2026 | Source |
| TEACHERSJoin through association membership and family of a member | — | — | — | — | — |
Open in parts of Winnebago County
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| FIRST NORTHERNServes RockfordJoin through employer groups, select employee groups and family of a member | 6.375% | 6.415% | 0.00 | Sep 17, 2026 | Source |
Also available to anyone in Illinois
The five lowest 30-year fixed rates from statewide and nationwide credit unions.
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| CENTRAL CREDIT UNION OF ILLINOISJoin through family of a member and select employee groups | 5.99% | 6.319% | — | Sep 17, 2026 | Source |
| DEPARTMENT OF COMMERCEJoin through family of a member and employer groups | 6% | — | — | Sep 15, 2026 | Source |
| SERVICEJoin through association membership, family of a member, military service and select employee groups | 6.25% | 6.37% | 0.63 | Sep 17, 2026 | Source |
| AFFINITYJoin through select employee groups and family of a member | 6.5% | 6.75% | — | Sep 17, 2026 | Source |
| MASS. INSTITUTE OF TECH.Join through employer groups, association membership and family of a member | 6.5% | 6.658% | 1.63 | Sep 17, 2026 | Source |
36 more lenders serve all of Illinois — see the full Illinois list
These credit unions are based in Illinois but limit membership to employer groups, associations, military service or family of existing members.
| Credit union | 30-yr fixed | APR | Points | We read | Source |
|---|---|---|---|---|---|
| COMMUNITY TRUSTJoin through family of a member | 6.375% | 6.674% | 1.00 | Sep 17, 2026 | Source |
| R.I.A.Join through military service, association membership, select employee groups and family of a member | 6.5% | 6.695% | 0.00 | Sep 17, 2026 | Source |
| SIUJoin through association membership, employer groups and family of a member | 6.5% | 6.5% | 1.00 | Sep 14, 2026 | Source |
| UNIVERSITY OF ILLINOIS COMMUNITYJoin through association membership, other paths, family of a member and employer groups | 6.5% | 6.774% | — | Aug 31, 2026 | Source |
| FIELDSTONE | 6.625% | 6.788% | 0.00 | Sep 17, 2026 | Source |
| I. H. MISSISSIPPI VALLEYJoin through association membership and family of a member | 6.625% | 6.743% | — | Sep 14, 2026 | Source |
| ILLINOIS VALLEYJoin through family of a member | 6.75% | 6.9% | 0.00 | Sep 17, 2026 | Source |
| BAXTERJoin through employer groups and family of a member | 6.875% | 7.067% | 0.88 | Sep 15, 2026 | Source |
| EDUCATION PERSONNELJoin through employer groups, family of a member and other paths | 6.89% | 6.89% | — | Sep 17, 2026 | Source |
| CITIZENS EQUITY FIRSTJoin through employer groups, association membership, select employee groups and family of a member | 7.125% | 7.228% | 0.00 | Sep 17, 2026 | Source |
| THE CREDIT UNION FOR ALLJoin through family of a member and association membership | 7.25% | 7.763% | 0.00 | Dec 1, 2025 | Source |
| "MEMBERS ""FIRST"" COMMUNITY" | — | — | — | — | — |
| "METROPOLITAN ""L""" | — | — | — | — | — |
| 1ST MIDAMERICA | — | — | — | — | — |
| 2 RIVERS AREA | — | — | — | — | — |
| 77TH STREET DEPOT | — | — | — | — | — |
| A.A.E.C. | — | — | — | — | — |
| A.S.H. EMPLOYEES | — | — | — | — | — |
| ACME CONTINENTAL | — | — | — | — | — |
| ADVANTAGE ONE | — | — | — | — | — |
| ALDERSGATE | — | — | — | — | — |
| ALTON MUNICIPAL EMPLOYEES | — | — | — | — | — |
| ALTONIZED COMMUNITY | — | — | — | — | — |
| AMBRAW | — | — | — | — | — |
| ANCO COMMUNITY | — | — | — | — | — |
| AREA EDUCATIONAL | — | — | — | — | — |
| AURORA FIREFIGHTERS' | — | — | — | — | — |
| AURORA POSTAL EMPLOYEES | — | — | — | — | — |
| B.E.A. | — | — | — | — | — |
| BEREAN | — | — | — | — | — |