Back to Decatur credit unions

Land of Lincoln

P O BOX 3310, Decatur, IL 62524
NCUA Insured3.3 (55 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1947

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O BOX 3310

Decatur, IL 62524

Service Area

This credit union is located in Decatur and serves members in the IL area. Currently serving 35,316 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.35%

Used Auto Loan

7.15%

Personal Loan

11.30%

Credit Card APR

12.45%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(15 total)

Member Reviews

3.3

55 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Straton Johnson

Straton Johnson

3 months ago

If I could give 0 stars I would. Nobody at this branch knows what they’re doing or talking about, none of them have any accountability for their actions, they wasted my time when trying to sell my vehicle but not getting the title brought over after I had called to check in for over a week. They costed me a sale of my vehicle. Half of the people working the counters are new and have 0 knowledge. A seriously pathetic branch

Tim Cripe

Tim Cripe

5 months ago

It's extremely funny how this branch operates so differently then the others. They are terrible in general understanding of accounting works. They never want to deposit our checks individual to properly reconcile payments to invoices. I'm sorry I will not fill out a dozen or more deposit slips just to deposit them separately for each check. This bank and this particular branch is awful for business accounts. It's a wonder this place isn't violating federal banking laws if they dont understand why businesses need each check as an individual transaction for tax reporting. Been banking here for 20 plus years and I'm closing all my accounts and never coming back.

Casey Danbury

Casey Danbury

7 months ago

I have no issues with this branch location however, you cannot contact them directly unless you go in. Which is not realistic in this day & age to have to go in to be helped. I recently lost my debit card & called to put a stop on it & be replaced. I spoke to 2 different people & held for 45 minutes to still be told that they couldn’t confirm if a new card had been ordered & they’d call me back. This is not what I thought I was getting when I set up an account with a local credit union.

Tschnab

Tschnab

9 months ago

Was a long time customer but a year ago I dumped them. Worst bank around now! I used to be able to call and ask for the person I want or dial them directly. No more. They screwed me on a bond. They're too big and have an automated phone system that doesn't work. The customer service is crappy and I went to 3 locations to try to give them a chance. Don't bank here.

tammy noneya

tammy noneya

7 months ago

I have called several times for 3 weeks about a rude Teller. No manager will return my call. Going to close account soon I guess. :( 30 years we banked here.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).