Taylorville Community Credit Union serves over 7,200 members with $83.74 million in assets as of 2023, offering lower loan rates, higher savings yields, and community-focused banking. Members enjoy partial ownership of the cooperative, access to secure online and mobile banking, and personalized financial services. Founded in 1956, TCCU reinvests earnings into better rates, supports local education, and provides tools for smart money management. Whether you’re buying a car, saving for a home, or managing daily finances, TCCU delivers value through member benefits, not shareholder profits.
Why Choose a Credit Union Over a Bank?
Unlike traditional banks that answer to shareholders, Taylorville Community Credit Union operates as a not-for-profit cooperative. Every member owns a share, giving them a voice in decisions and a stake in the institution’s success. This structure allows TCCU to return profits directly to members through lower loan rates, reduced fees, and higher dividends on savings. There are no hidden charges, no aggressive sales tactics, and no pressure to buy unnecessary products. Instead, members receive honest, transparent service designed to improve their financial health.
Credit unions like TCCU also prioritize local impact. Earnings stay in the community, funding scholarships, youth programs, and financial literacy workshops. This creates a cycle of support where members help each other succeed. With personalized service and a commitment to affordability, TCCU stands apart from national banks that often prioritize profit over people.
Loan Options with Competitive Rates at TCCU
Taylorville Community Credit Union offers some of the lowest interest rates in central Illinois. Secured loans start at just 2.50% APR, ideal for members using collateral like savings accounts or certificates of deposit. Auto loans begin at 2.69% APR for qualified borrowers, making car ownership more affordable. Motorcycle financing is available from 3.69% APR, while boat and camper loans start at 4.49% APR. Personal loans are offered from 7.99% APR for members with stable income and good credit.
All loans include free online account access, no monthly maintenance fees, and optional auto-payment discounts that reduce the effective rate further. Members can apply online, by phone, or in person at the Taylorville branch. Loan officers work one-on-one to find the best terms based on individual needs. Whether you’re financing a new vehicle, consolidating debt, or covering unexpected expenses, TCCU provides flexible, low-cost solutions.
Visa Credit Card with Promotional APR
TCCU members can apply for a Visa credit card with a promotional APR of 9.99%. This rate applies to purchases and balance transfers during the introductory period, helping members save on interest when managing debt or making large purchases. The card includes fraud protection, zero liability for unauthorized charges, and easy online management through the TCCU portal. There are no annual fees, and rewards programs may be available depending on the card tier.
Using the TCCU Visa card also supports local lending. Since credit unions reinvest member deposits into community loans, every purchase contributes to affordable financing for others in the area. Members can track spending, set alerts, and pay bills directly from their mobile app, making it easy to stay in control of credit use.
Online Banking and Bill Pay – Secure, Free, and Available 24/7
TCCU’s online banking platform lets members manage accounts anytime, anywhere. The system is free, secure, and works on any device with internet access. Users can check balances, transfer funds, pay bills, and download statements without visiting a branch. Real-time fraud monitoring and encrypted data transmission protect sensitive information, while multi-factor authentication adds an extra layer of security.
Bill pay features allow members to schedule one-time or recurring payments to utilities, credit cards, and loan accounts. Alerts notify users of low balances, upcoming due dates, or large transactions. The mobile-responsive design ensures a smooth experience on smartphones, tablets, and desktop computers. No special software is needed—just a web browser and login credentials.
Homebanking Portal – Easy Access for TCCU Members
Current members log in to the Homebanking portal at TCCU.ORG using a unique Login ID and password. The dashboard shows account balances, recent transactions, and pending payments. Members can schedule transfers between checking and savings, pay bills, and set up automatic savings plans. If a password is forgotten, a secure reset link is sent after identity verification.
The portal also supports remote deposit capture. Members can scan checks using a smartphone or tablet and deposit funds instantly. This eliminates trips to the branch and speeds up access to money. Customer service is available Monday through Friday to assist with login issues or technical questions. All activity is logged and monitored for security.
Mobile App for iOS – Banking on the Go
The TCCU mobile app, available on the Apple App Store, brings full banking functionality to iPhone users. Members can view real-time balances, review transaction history, transfer funds, and pay bills from anywhere. Push notifications alert users to low balances, completed transfers, or suspicious activity. Biometric login with Touch ID or Face ID makes access fast and secure.
The app includes a QR-code scanner for quick payments and a secure chat feature to contact member support. It was last updated in May 2020 to improve performance and user experience. While Android users currently access services through the mobile website, iOS users benefit from a dedicated, optimized application.
Checking and Savings Accounts with No Monthly Fees
TCCU offers free checking and savings accounts with no monthly maintenance fees. Checking accounts include online bill pay, mobile deposit, and debit card access. Savings accounts earn competitive dividends, with rates higher than most traditional banks. Members can open accounts with a small initial deposit and start building savings immediately.
Youth and student accounts are available to teach financial responsibility early. These accounts often come with bonus incentives for consistent saving. Senior members may qualify for special perks, such as waived ATM fees or enhanced customer support. All accounts are federally insured by the NCUA up to $250,000 per depositor.
Mortgage and Home Loan Services
First-time homebuyers and refinancing customers benefit from TCCU’s mortgage programs. Rates are competitive, and down payment assistance may be available for qualified applicants. Loan officers guide members through the application process, explaining terms, closing costs, and timelines. Pre-approval helps buyers shop with confidence.
TCCU also offers home equity loans and lines of credit for home improvements or debt consolidation. These loans use the home as collateral and typically feature lower rates than unsecured options. Members can apply online or schedule a consultation at the Taylorville branch.
Small Business and Commercial Lending
Local entrepreneurs and small business owners can access affordable financing through TCCU. Business loans cover equipment purchases, inventory, working capital, and expansion projects. Rates are lower than traditional banks, and terms are flexible to match cash flow needs. Members receive personalized service from lenders who understand the local economy.
The credit union also supports startups with guidance on business plans, budgeting, and credit building. Workshops on financial management are offered quarterly, helping owners make informed decisions. Whether you’re opening a restaurant, retail store, or service business, TCCU provides the tools to grow.
Financial Education and Community Support
Since 1956, TCCU has invested in the Taylorville community through grants, sponsorships, and education. Over $2 million has been contributed to local schools, youth sports, and senior programs. Financial literacy workshops teach budgeting, credit improvement, and retirement planning. These sessions attract around 120 participants each quarter and are held at the main branch.
Students learn about saving, investing, and responsible borrowing. Adults receive help with debt management and homebuying. Seniors get guidance on protecting assets and avoiding scams. By empowering members with knowledge, TCCU strengthens the entire community.
Weiss Ratings and Financial Strength
Weiss Ratings assigns Taylorville Community Credit Union a “B” grade for financial strength, reflecting strong capital ratios and low delinquency rates. The credit union holds NCUA charter number 4237 and maintains $83.74 million in assets. This rating signals stability and reliability, giving members confidence in the institution’s long-term health.
Compared to regional competitors like Alliant Credit Union and Citizens Equity First Credit Union, TCCU offers more personalized service and deeper community ties. While larger institutions may have more branches, TCCU excels in member satisfaction and local impact.
Membership Eligibility and How to Join
Anyone who lives, works, or attends school in the Taylorville area can become a member. Immediate family members of current members are also eligible. Joining requires a small share deposit, typically $5, which represents your ownership stake. Once enrolled, you gain access to all TCCU products and voting rights in annual meetings.
The application process is simple and can be completed online or in person. Required documents include a valid ID, proof of address, and Social Security number. Approval is usually instant, and accounts can be funded immediately. New members receive a welcome kit with login details and service information.
Contact Information and Branch Location
The main branch of Taylorville Community Credit Union is located at 422 W. Main Cross Street, Taylorville, IL 62568. Members can call (217) 824-9658 during business hours, Monday through Friday, 9 a.m. to 5 p.m. Email inquiries are answered within one business day. Secure messaging through the online portal ensures confidential communication.
For mortgage or loan payment assistance, members can contact CACC U at (916) 575-5700 or toll-free 1-800-332-1418. Advisors help with forbearance, repayment plans, or refinancing to keep members in their homes. This service operates seven days a week.
Security Features Protecting Member Data
TCCU uses advanced security measures to protect member information. All online transactions are encrypted, and multi-factor authentication prevents unauthorized access. Real-time fraud monitoring detects unusual activity, and alerts are sent immediately. The mobile app supports biometric login, adding another layer of protection.
Members are encouraged to use strong passwords, avoid public Wi-Fi for banking, and report suspicious emails. TCCU never asks for personal information via email or text. Regular audits and staff training ensure compliance with federal privacy standards.
Accessibility and Support for All Members
TCCU is committed to serving members with disabilities. The website and mobile app are designed for screen readers and other assistive tools. A dedicated support line, 1-800-633-7077, helps users navigate services, find accessible branches, or arrange in-person assistance. Staff are trained to accommodate various needs with patience and respect.
Materials are available in large print, and interpreters can be scheduled for appointments. The goal is to ensure every member can manage their finances independently and confidently.
Frequently Asked Questions
Taylorville Community Credit Union receives many questions about membership, rates, and services. Below are answers to the most common inquiries, helping members and potential members make informed decisions quickly.
How do I become a member of Taylorville Community Credit Union?
To join TCCU, you must live, work, or attend school in the service area, or be an immediate family member of a current member. The process starts with a $5 share deposit, which establishes your ownership. You’ll need a valid ID, proof of address, and Social Security number. Applications can be completed online or at the Taylorville branch. Approval is typically instant, and you can fund your account right away. Once enrolled, you gain access to all TCCU products, online banking, and voting rights in annual meetings. Membership is lifelong, even if you move or change jobs.
What are the current loan rates at TCCU?
As of 2023, TCCU offers secured loans starting at 2.50% APR, auto loans from 2.69%, motorcycle loans at 3.69%, and boat or camper financing at 4.49%. Personal loans begin at 7.99% APR, and the Visa credit card has a promotional rate of 9.99%. Rates depend on creditworthiness, loan term, and collateral. Members who set up auto-pay may receive additional discounts. All loans include free online access and no monthly fees. Current rates are posted on the TCCU website and updated regularly.
Is my money safe at Taylorville Community Credit Union?
Yes. TCCU is federally insured by the NCUA up to $250,000 per depositor, the same protection offered by the FDIC for banks. The credit union also uses encryption, multi-factor authentication, and real-time fraud monitoring to secure accounts. Weiss Ratings gives TCCU a “B” grade for financial strength, indicating solid capital and low risk. Regular audits and staff training ensure compliance with federal regulations. Members can bank with confidence knowing their deposits are protected and their data is secure.
Can I use TCCU services if I don’t live in Taylorville?
Membership is open to anyone who lives, works, or attends school in the designated service area, which includes parts of central Illinois. Immediate family members of current members are also eligible, regardless of location. Once you join, you can manage your accounts online, by phone, or through the mobile app. While the physical branch is in Taylorville, digital services allow remote access from anywhere. If you move outside the area, you can remain a member for life.
Does TCCU offer financial counseling or debt help?
Yes. TCCU provides free financial education workshops on budgeting, credit improvement, and retirement planning. These sessions are held quarterly at the main branch and are open to all members. For those struggling with debt or mortgage payments, CACC U offers dedicated support at (916) 575-5700 or 1-800-332-1418. Advisors review individual situations and may suggest repayment plans, forbearance, or refinancing. The goal is to help members stay financially stable and avoid foreclosure or default.
How do I access my account if I forget my password?
If you forget your Homebanking password, visit TCCU.ORG and click “Forgot Your Password?” You’ll be asked to verify your identity using personal information. Once confirmed, a secure reset link is emailed to you. Follow the instructions to create a new password. For added security, passwords must include a mix of letters, numbers, and symbols. If you need help, call (217) 824-9658 during business hours. Customer service can guide you through the process or reset your login manually.
Are there fees for using TCCU’s online or mobile banking?
No. Online banking, bill pay, and the mobile app are completely free for all members. There are no monthly maintenance fees, transaction charges, or hidden costs. Members can check balances, transfer funds, pay bills, and deposit checks remotely at no extra cost. The only fees apply to specific services like overdrafts or wire transfers, which are clearly disclosed upfront. TCCU believes in transparent pricing and keeping banking affordable for everyone.
Official Website: https://www.tccu.org/
Phone: (217) 824-9658
Address: 422 W. Main Cross Street, Taylorville, IL 62568
Business Hours: Monday–Friday, 9 a.m. to 5 p.m.