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N.I.C.E.

611 E State St Ste 9, Geneva, IL 60134
NCUA Insured4.3 (19 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1983

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

Location & Directions

Address

611 E State St Ste 9

Geneva, IL 60134

Service Area

This credit union is located in Geneva and serves members in the IL area. Currently serving 357 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

5.00%

Used Auto Loan

7.00%

Personal Loan

17.00%

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).

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

Branches & Locations(1 total)

Member Reviews

4.3

19 Google reviews

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

View on Google Maps
Josh Rockcastle

Josh Rockcastle

3 years ago

This is the spot. I went to multiple credit unions and banks recently to see who had the best options for personal loans and credit cards. KCT credit union won by a landslide. Nothing even close. Now for this location specifically, I had one of the most pleasurable experiences I have ever had at a bank. I was greeted with a smile by everyone when I walked in. I have had the pleasure of working with Rick for the last week now and I can honestly say that he has gone above and beyond for me. Emilie, who is the GM I believe, is so nice and has so much experience that when talking with her I can't but feel a sense of relief and ease. Virginia is great too:) I haven't met everyone yet, but I very much look forward to doing so. If you don't believe me, then go in and experience it for yourself!

Elena Doubovitskaya

Elena Doubovitskaya

2 years ago

Thanks for a great experience with our recent auto loan -- super fast and easy application process, thanks to Trevor and the Geneva staff. The KCT Online dashboard consolidates all our accounts (checking, savings, credit cards, loans, etc) in one place, making for very efficient "one-click banking"!

Bethany Herrera

Bethany Herrera

3 years ago

Emilie Adams is AMAZING!!!! Never have I had a person go into as much detail with regards to my loan options as she did! She went above and beyond to ensure my husband and I understood ALL of our options and the pros and cons to each. I highly suggest sitting down with her if you have any loan needs - you will not regret it!

Yvette Rodriguez

Yvette Rodriguez

a year ago

Kct Bank was very helpful. Very polite and answer all my questions. Very clean atmosphere. Well kept and had wheelchair accessory.

Jim Cnota

Jim Cnota

6 years ago

Horrible first experience with Customer Service at the window. I just moved to the area. I had $3000 cash to deposit and wanted to discuss opening accounts for my children. Representative was so abrasive I left the parkong lot and will never return.

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).