--- title: "Land of Lincoln Credit Union Rates (Nov 2026): CDs to 3.97%" description: "Land of Lincoln Credit Union rates today: savings & CDs up to 3.97% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Land of Lincoln Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/land-of-lincoln" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Land of Lincoln Credit Union Rates (Nov 2026): CDs to 3.97% ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans (60-month - 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_any_60mo | — APR | 4.750% | 60 mo · any | Standard | | **Auto Loans (60-month - 2021 - 2022 Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_used_60mo | — APR | 5.250% | 60 mo · used | Standard | | **Auto Loans (72-month - 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_any_72mo | — APR | 5.450% | 72 mo · any | Standard | | **Auto Loans (72-month - 2021 - 2022 Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_used_72mo | — APR | 5.950% | 72 mo · used | Standard | | **Auto Loans (60-month - 2019 - 2020 Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_used_60mo | — APR | 6.250% | 60 mo · used | Standard | | **RV & Boat Loans (60-month - New RV's & Boats up to $25,000)** rv_new_60mo | — APR | 6.400% | 60 mo · new | Standard | | **RV & Boat Loans (60-month - New RV's & Boats Over $25,000)** rv_new_60mo | — APR | 6.400% | 60 mo · new | Standard | | **Auto Loans (84-month - 2023 - 2026 New & Used Cars, Trucks and Vans)** auto_any_84mo | — APR | 6.450% | 84 mo · any | Standard | | **RV & Boat Loans (60-month - Used RV's & Boats up to $25,000)** rv_used_60mo | — APR | 6.650% | 60 mo · used | Standard | | **RV & Boat Loans (60-month - Used RV's & Boats Over $25,000)** rv_used_60mo | — APR | 6.650% | 60 mo · used | Standard | | **Auto Loans (72-month - 2019 - 2020 Used Cars, Trucks, Vans, Motorcycles*)** motorcycle_used_72mo | — APR | 6.950% | 72 mo · used | Standard | | **RV & Boat Loans (96-month - New RV's & Boats up to $25,000)** rv_new_96mo | — APR | 7.400% | 96 mo · new | Standard | | **RV & Boat Loans (96-month - New RV's & Boats Over $25,000)** rv_new_96mo | — APR | 7.400% | 96 mo · new | Standard | | **RV & Boat Loans (96-month - Used RV's & Boats Over $25,000)** rv_used_96mo | — APR | 7.650% | 96 mo · used | Standard | | **RV & Boat Loans (96-month - Used RV's & Boats up to $25,000)** rv_used_96mo | — APR | 7.650% | 96 mo · used | Standard | | **RV & Boat Loans (120-month - New RV's & Boats Over $25,000)** rv_new_120mo | — APR | 7.900% | 120 mo · new | Standard | | **RV & Boat Loans (120-month - New RV's & Boats up to $25,000)** rv_new_120mo | — APR | 7.900% | 120 mo · new | Standard | | **RV & Boat Loans (120-month - Used RV's & Boats Over $25,000)** rv_used_120mo | — APR | 8.150% | 120 mo · used | Standard | | **RV & Boat Loans (144-month - New RV's & Boats Over $25,000)** rv_new_144mo | — APR | 8.150% | 144 mo · new | Standard | | **RV & Boat Loans (120-month - Used RV's & Boats up to $25,000)** rv_used_120mo | — APR | 8.150% | 120 mo · used | Standard | Land of Lincoln Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **As much as 100% Loan to Value and up to 5 Years - Fixed** heloc_fixed | — APR | 5.950% | — | Standard | | **As much as 75% Loan to Value and up to 5 Years - Fixed** heloc_fixed | — APR | 6.200% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.450% | — | Standard | | **As much as 100% Loan to Value and up to 9 Years - Fixed** heloc_fixed | — APR | 6.700% | — | Standard | | **As much as 75% Loan to Value and up to 9 Years - Fixed** heloc_fixed | — APR | 7.050% | — | Standard | Land of Lincoln Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan (100% Share Secured in Excess of $999.99)** personal_secured | — APR | 1.950% | — | Standard | | **Signature or Personal Loan - $1,000 or more** personal_unsecured | — APR | 9.950% | — | Standard | | **Signature or Personal Loan - less than $1,000** personal_unsecured | — APR | 12.950% | — | Standard | Land of Lincoln Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 32 offers | Product | Published | Rate | Term / condition | Status | | **Amped Checking** checking | 0.10% APY | 0.10% | — | Standard | | **Premier Advantage Checking** checking | 0.10% APY | 0.10% | — | Standard | | **Money Market - Tier 1** money_market | 1.36% APY | 1.35% | — | Standard | | **Money Market - Tier 2** money_market | 1.46% APY | 1.45% | — | Standard | | **Amped Checking** checking | 1.50% APY | 1.49% | — | Standard | | **Money Market - Tier 3** money_market | 1.80% APY | 1.75% | — | Standard | | **MAXimum Money Market - Tier 1** money_market | 1.86% APY | 1.84% | — | Standard | | **MAXimum Money Market - Tier 2** money_market | 1.91% APY | 1.89% | — | Standard | | **MAXimum Money Market - Tier 3** money_market | 1.99% APY | 1.94% | — | Standard | | **Share Certificates (CDs) (12-month - Certificate Starter)** share_certificate_12mo | 2.01% APY | 1.99% | 12 mo | Standard | | **60-Month Certificate ($1,000–$49,999.99)** share_certificate_60mo | 2.58% APY | 2.55% | 60 mo | Standard | | **48-Month Certificate ($1,000–$49,999.99)** share_certificate_48mo | 2.58% APY | 2.55% | 48 mo | Standard | | **36-Month Certificate ($1,000–$49,999.99)** share_certificate_36mo | 2.58% APY | 2.55% | 36 mo | Standard | | **30-Month Certificate ($1,000–$49,999.99)** share_certificate_30mo | 2.68% APY | 2.65% | 30 mo | Standard | | **24-Month Certificate ($1,000–$49,999.99)** share_certificate_24mo | 2.68% APY | 2.65% | 24 mo | Standard | | **MAXimum Money Market - Tier 4** money_market | 2.71% APY | 2.68% | — | Standard | | **18-Month Certificate ($1,000–$49,999.99)** share_certificate_18mo | 2.86% APY | 2.82% | 18 mo | Standard | | **Hero Checking** checking | 3.00% APY | 2.96% | — | Standard | | **12-Month Certificate ($1,000–$49,999.99)** share_certificate_12mo | 3.00% APY | 2.96% | 12 mo | Standard | | **Amped Checking** checking | 3.00% APY | 2.96% | — | Standard | | **6-Month Certificate ($1,000–$49,999.99)** share_certificate_6mo | 3.02% APY | 2.98% | 6 mo | Standard | | **36-Month Certificate ($50,000+)** share_certificate_36mo | 3.03% APY | 2.99% | 36 mo | Standard | | **60-Month Certificate ($50,000+)** share_certificate_60mo | 3.03% APY | 2.99% | 60 mo | Standard | | **48-Month Certificate ($50,000+)** share_certificate_48mo | 3.03% APY | 2.99% | 48 mo | Standard | | **3-Month Certificate ($1,000–$49,999.99)** share_certificate_3mo | 3.07% APY | 3.03% | 3 mo | Standard | | **30-Month Certificate ($50,000+)** share_certificate_30mo | 3.08% APY | 3.04% | 30 mo | Standard | | **24-Month Certificate ($50,000+)** share_certificate_24mo | 3.08% APY | 3.04% | 24 mo | Standard | | **18-Month Certificate ($50,000+)** share_certificate_18mo | 3.20% APY | 3.15% | 18 mo | Standard | | **6-Month Certificate ($50,000+)** share_certificate_6mo | 3.32% APY | 3.27% | 6 mo | Standard | | **12-Month Certificate ($50,000+)** share_certificate_12mo | 3.35% APY | 3.30% | 12 mo | Standard | | **3-Month Certificate ($50,000+)** share_certificate_3mo | 3.43% APY | 3.38% | 3 mo | Standard | | **11-Month Certificate** share_certificate_11mo | 3.97% APY | 3.90% | 11 mo | Standard | Land of Lincoln Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.97% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/land-of-lincoln) , verified from [Land of Lincoln Credit Union's official website](https://www.llcu.org/) Loading branch locator… ## About Land of Lincoln Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 35.4K Assets $517.7M Founded 1947 Locations reported 15 NCUA charter 63716 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Decatur Postal** Decatur Postal Credit Union · Decatur · IL · 62523 About 2.6 miles away](https://rateapi.dev/credit-unions/illinois/decatur-postal) [**Decatur Earthmover** Southeast · Decatur · IL · 62521 About 2.6 miles away](https://rateapi.dev/credit-unions/illinois/decatur-earthmover) [**Citizens Equity First** Decatur Member Center · Decatur · IL · 62526-2837 About 4.9 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**1st Midamerica** Decatur Office · Decatur · IL · 62526 About 7.1 miles away](https://rateapi.dev/credit-unions/illinois/1st-midamerica) [**I.b.e.w. Local #146** Office · Decatur · IL · 62526 About 7.1 miles away](https://rateapi.dev/credit-unions/illinois/ibew-local-146) [**Taylorville Community** Taylorville Community Credit Union · Taylorville · IL · 62568-2156 About 26.7 miles away](https://rateapi.dev/credit-unions/illinois/taylorville-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Land of Lincoln Credit Union Membership eligibility from Land of Lincoln Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Land of Lincoln Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Premier Partners - Association United Methodist Church Verified from [Land of Lincoln Credit Union's membership page](https://www.llcu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Land of Lincoln Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 21, 2026, quoted from Land of Lincoln Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Premier Partners “If you are a current employee of one of Land of Lincoln Credit Union's Premier Partners, you can bank with Land of Lincoln Credit Union.” > [source ↗](https://www.llcu.org/about-us) - Employee of Premier Partners ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of United Methodist Church “If you are a member, associate member, clergy or pastor of the United Methodist Church, or are affiliated with a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference, you can bank with Land of Lincoln Credit Union.” > [source ↗](https://www.llcu.org/about-us) - Member of United Methodist Church ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member children, parents, spouses, siblings, grandparents, grandchildren “Immediate family members include children, parents, spouses, siblings, grandparents and grandchildren.” > [source ↗](https://www.llcu.org/about-us) - Family member (children, parents, spouses, siblings, grandparents, grandchildren) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Land of Lincoln Credit Union? Yes No ## Work at Land of Lincoln Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Land of Lincoln Credit Union ranks against Illinois peers. - See which AI assistants fetched Land of Lincoln Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=land-of-lincoln&state=illinois&code=IL&name=Land%20of%20Lincoln%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Land of Lincoln Credit Union offer? Land of Lincoln Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Land of Lincoln Credit Union rates updated? RateAPI verifies Land of Lincoln Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Land of Lincoln Credit Union's rate data? Rate data is collected directly from Land of Lincoln Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Land of Lincoln Credit Union's best CD rate? As of November 12, 2026, Land of Lincoln Credit Union offers savings and certificate (CD) yields up to 3.97% APY. ### Who can join Land of Lincoln Credit Union? Land of Lincoln Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for Land of Lincoln Credit Union, each quoted from Land of Lincoln Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Land of Lincoln Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.llcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Land of Lincoln Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Land of Lincoln Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /land-of-lincoln " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Land of Lincoln Credit Union locations Search, filter, and browse all 15 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/land-of-lincoln Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp