Credit Unions in Effingham, Illinois

There are 1 federally insured credit unions in Effingham, Illinois according to NCUA Q4 2025 data.

Yes. All credit unions listed here are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category — the same protection offered by FDIC insurance at banks.

Each credit union has its own membership eligibility criteria — often based on employer, community, association, or family ties. Click on any credit union to view its membership type and contact information. Many Effingham credit unions offer community charters open to anyone who lives, works, or worships in the area.