At a glance
From its website, read 2 Nov 2026St Helena Parish Credit Union is a credit union based in Chicago, Illinois. Its website describes auto loans and personal loans. Consumer loan APRs stated on its site range from 5% to 12%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.sthelenacreditunion.com |
|---|---|
| Office (official list) | 1425 W 112th St, Chicago, IL 60643 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 5% APR | from 5.00% APR* Used Vehicle Loans | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Fully Secured Vehicles 10.00% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Partially Secured Vehicles 12.00% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Share Fully Secured 10.00% | source |
| Personal / consumer loans | Rate: from 12% APR | from 12.00% APR* Unsecured Loans | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Unsecured Non-ACH 15.00% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Feb 2022 |
| RSSD ID | 961790 |
| Address | 1425 W 112th St, Chicago, IL 60643 Directions (Google Maps) |
| Website | www.sthelenacreditunion.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 3 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No explicit geographic service area is stated beyond the parish reference, and no online application is shown. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loans* Type Rate Partially Secured Vehicles 12.00% Fully Secured Vehicles 10.00% | source |
| Personal / consumer loans | $5,000 – $18,000 | Personal Loan Rates* Type Rate Loan Limits Unsecured Non-ACH 15.00% $5,000.00 Unsecured ACH 12.00% $5,000.00 Share Partially Secured 12.00% $18,000.00 Share Fully Secured 10.00% $18,000.00 | source |
Loan sizes
Personal Loan Rates* Type Rate Loan Limits Unsecured Non-ACH 15.00% $5,000.00 Unsecured ACH 12.00% $5,000.00 Share Partially Secured 12.00% $18,000.00 Share Fully Secured 10.00% $18,000.00
source
Service area
Not stated on the pages we read.
Borrower focus
- Minority / BIPOC
give back and empower our target market, African American individuals and families
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$125,000 in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ST. HELENA PARISH (charter 66296). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $324,139 (as of 30 Jun 2026) |
|---|---|
| Members | 149 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Illinois (2 offices)
- Cook County (2): 1425 W 112th St, Chicago 60643 (main office); 1401 W 112th St, Chicago 60643
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by St Helena Parish Credit Union (NCUA charter 66296, filed as “ST. HELENA PARISH”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $147,387, 38 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 15.4% from $127,731 on 30 Jun 2025 |
| Members | 149 (as of 30 Jun 2026); 147 (as of 30 Jun 2025) |
| Loans per member | $989 (total loans divided by members, 30 Jun 2026) |
| Total assets | $324,139 (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Used vehicle loans | $22,544 | 15.3% |
| Other unsecured loans | $110,127 | 74.7% |
| Leases and other secured loans | $14,715 | 10.0% |
None reported on the 30 Jun 2026 report: new vehicle loans; first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $324,139 | Larger than 10% of the 10 other certified credit unions in Illinois (median $1.7 million). |
| Loans as a share of assets | 45% | Median of the same 10 credit unions: 24%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $127,731 → $147,387 (+15%) | Median change of 10 other certified credit unions in Illinois: -3%. Rank by loans held among these 11: 9 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Illinois | 10 | larger than 10% |
| Loans held then vs now | certified credit unions in Illinois reporting both dates | 10 | rank 9 → 8 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Auto / vehicle loans (this lender states from 5.00%): South Side Community Federal Credit Union from 3.25% (8 mi, read 2 Nov 2026)
- Personal / consumer loans (this lender states from 12.00%): South Side Community Federal Credit Union from 8.01% (8 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
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