Effingham Highway

P.O. Box 1161, Effingham, IL 62401

NCUA Insured5.0 (5 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

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

Membership Eligibility

Anyone who lives, works, or worships in or around Effingham, IL may be eligible to join. Community credit unions are open to the general public within their service area.

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

3 charter

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

P.O. Box 1161

Effingham, IL 62401

Google Maps 🗺Waze

(217) 342-8209

Service Area

This credit union is located in Effingham and serves members in the IL area. Currently serving 1,011 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.

Loan Rates

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

New Auto Loan

6.00%

Used Auto Loan

7.00%

Personal Loan

16.00%

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).

Tee-Pak— New Auto Loan

Danville, IL

2.49%

National Police— Used Auto Loan

Chicago, IL

2.99%

Israel Methcomm— Personal Loan

Chicago, IL

2.00%

Great Lakes— Credit Card APR

Bannockburn, IL

2.00%

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

Branches & Locations(1 total)

Member Reviews

5.0

5 Google reviews

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

View on Google Maps

Lindsey Stephenson

4 months ago

I've been with EHCU for over 15 years now. Incredible in helping you achieve your financial goals, always some of the best rates on loans, and their team is truly a class act. Ronni has always gone the extra mile for me in my financial journey, whether it's working overtime or actively communicating everything I need to know. Their team always ensures I am armed with the information I need to be successful. I can't recommend this credit union and team enough!