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Cooperative Choice Network Credit Union is a member-owned financial institution offering savings, checking, loans, mortgages, and credit cards with competitive rates and shared branch access.
Data compiled from public sources
Cooperative Choice Network Credit Union (CCNCU) operates as a not-for-profit, member-owned credit union serving the central Illinois area, particularly around Peoria and Tazewell County. The organization appears to be the result of a merger or consolidation, as it operates multiple branded locations including Members Choice Credit Union, Tazewell County School Employees Credit Union, Parish Members Credit Union, and IEC Financial Credit Union, suggesting a cooperative network structure that pools resources and membership across formerly independent credit unions.
CCNCU offers a comprehensive range of consumer financial services including share savings and checking accounts, auto loans, personal loans, home mortgages, home equity lines of credit (HELOC), Visa credit cards, and digital banking solutions. Members can access their accounts through online banking, a mobile app available on iOS and Android, digital wallet functionality for card payments, and a nationwide network of shared branches and ATMs with listed network fee context through the Co-Op Network and AllPoint systems. The credit union advertises rate claims to verify, with auto loans starting at 3.99% APR, Visa cards at 9.90% APR, personal loans at 9.00% APR, and HELOCs at 6.00% APR.
What distinguishes CCNCU is its multi-location cooperative network structure providing members access to physical branches across central Illinois combined with nationwide ATM and shared branch access. The organization emphasizes member service longevity—testimonials reference 35+ year membership tenures—and positions itself as community-focused with personalized, courteous service. The credit union has recently expanded offerings to include home mortgages and appears to actively promote member engagement through rewards programs and digital tools.
As a credit union, CCNCU is NCUA-insured, providing member deposits with federal protection similar to FDIC insurance for traditional banks. However, potential members should note that membership eligibility may be restricted based on the cooperative's field of membership (school employees, specific geographic areas, or employer groups), and the available website content doesn't clearly specify current membership requirements, which is a significant limitation for prospective members trying to determine eligibility.
This is state-level context for Credit Unions consumers in Peoria, IL. It does not confirm that Cooperative Choice Network or this specific location is licensed.
State regulator
Illinois Department of Financial and Professional Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cooperative Choice Network offers 13 services including Share savings accounts, Share checking accounts, Auto loans with rates from 3.99% APR, Personal loans with rates from 9.00% APR, Home mortgages, and 8 more.
Cooperative Choice Network has profile signals associated with Central Illinois residents and employees in eligible fields seeking competitive auto financing and mortgage options, Members of school employee groups or employer-affiliated associations eligible for participation, Consumers prioritizing NCUA-insured accounts with nationwide ATM access and digital banking convenience, Long-term savers seeking member-owned financial institution with emphasis on personalized service.
Key strengths: Access to 30,000+ ATMs with listed network fee context nationwide through Co-Op Network and AllPoint partnerships; Competitive auto loan rates starting at 3.99% APR as advertised on homepage; Physical branch locations in Peoria, Pekin, and Metamora with extended drive-thru hours. Areas to consider: Website does not clearly specify membership eligibility criteria or field of membership restrictions; Limited transparency about whether the organization has consolidated multiple credit unions or maintains separate charters.
In the Credit Unions category, comparable providers include 77th Street Depot, Ambraw, A.S.H. Employees. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CCNCU is profile signals for central Illinois residents and eligible employer/school employee group members seeking rate claims to verify on auto loans, mortgages, and other consumer credit products from a member-owned institution with nationwide ATM access. The primary caveat is that membership eligibility is not clearly defined on their website, so prospective members must contact the credit union directly to confirm whether they qualify based on geographic location, employer group, or other field of membership restrictions.
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