At a glance
From its website, read 2 Nov 2026Vicinity Credit Union is a credit union based in Chicago, Illinois. Its website describes auto loans, home mortgages and personal loans. Consumer loan APRs stated on its site range from 2% to 4.95%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | unitedcreditunion.com |
| Office (official list) | 4444 S Pulaski Road, Chicago, IL 60632 |
What their website says about applying
Complete our quick application in minutes.
source
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 |
|---|---|---|---|
| Loans (general) | Rate: from 2% APR | Get pre-approved in minutes with rates as low as 2.0% APR* | source |
| Auto / vehicle loans | Rate: from 4.95% APR | Rates as low as 4.95% APR for 36 months | source |
| Auto / vehicle loans | Term: up to 3 yr | Rates as low as 4.95% APR for 36 months | 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.
Who qualifies, in their words
- Membership required
Membership eligibility required.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Aug 2018 |
| RSSD ID | 484897 |
| Address | 4444 S Pulaski Road, Chicago, IL 60632 Directions (Google Maps) |
| Website | unitedcreditunion.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 7 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. The pages state no loan amounts, service area, or borrower focus; the secured loan product is categorized as personal from its description. 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 as low as 4.95% APR for 36 months | source |
| Home mortgages | — | Discover the transformative power of Vicinity Credit Union’s Home Equity Line of Credit (HELOC) Loans. | source |
| Personal / consumer loans | — | Borrow against your Share Savings or Share Certificate of Deposit to access preferred loan rates while safeguarding your savings. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete our quick application in minutes.
source
Pages read (7)
- https://vicinitycreditunion.com/
- https://vicinitycreditunion.com/loans-mortgages/auto-loans/
- https://vicinitycreditunion.com/loans-mortgages/
- https://vicinitycreditunion.com/auto-loans-limited/
- https://vicinitycreditunion.com/loans-mortgages/heloc-loans/
- https://vicinitycreditunion.com/loans-mortgages/credit-cards/
- https://vicinitycreditunion.com/loans-mortgages/secured-loans/
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. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$2.3 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $287,417 |
| 2022 | CDFI Equitable Recovery Program | $1,735,187 |
| 2022 | Small Dollar Loan Program | $271,988 |
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 VICINITY (charter 60041). 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 | $203.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 17,491 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Illinois (3 offices)
- Cook County (3): 4444 S Pulaski Rd, Chicago 60632 (main office); 1526 E 55th St, Chicago 60615; 9148 S Western Ave, Evergreen Park 60805
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 Vicinity Credit Union (NCUA charter 60041, filed as “VICINITY”). 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 | $86.7 million, 48,392 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 10.9% from $97.3 million on 30 Jun 2025 |
| Members | 17,491 (as of 30 Jun 2026); 18,678 (as of 30 Jun 2025) |
| Loans per member | $4,955 (total loans divided by members, 30 Jun 2026) |
| Total assets | $203.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $9.5 million | 10.9% |
| Used vehicle loans | $16 million | 18.5% |
| First-lien home mortgages (1-4 family) | $51.9 million | 59.9% |
| Other real estate loans (junior liens, other) | $3.9 million | 4.5% |
| Credit cards | $1.9 million | 2.2% |
| Other unsecured loans | $2.7 million | 3.1% |
| Leases and other secured loans | $867,539 | 1.0% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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) | $203.9 million | Larger than 100% of the 10 other certified credit unions in Illinois (median $1.3 million). |
| Loans as a share of assets | 42% | 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 | $97.3 million → $86.7 million (-11%) | Median change of 10 other certified credit unions in Illinois: -1%. Rank by loans held among these 11: 1 → 1. |
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 100% |
| Loans held then vs now | certified credit unions in Illinois reporting both dates | 10 | rank 1 → 1 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 4.95%): South Side Community Federal Credit Union from 3.25% (3 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.
Other certified CDFIs in Chicago and Illinois
- Allies for Community Business, Inc.Loan fund · Chicago, ILSmall-business loansVerified
- Berean Credit UnionCredit union · Chicago, ILOfficial list only
- C3 Impact Fund, LLCVenture capital fund · Chicago, ILOfficial list only
- Chicago Community Loan Fund, TheLoan fund · Chicago, ILCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cinnaire Lending CorporationLoan fund · Chicago, ILAffordable housing development loans, Nonprofit / community facility loansVerified
- Community Investment CorporationLoan fund · Chicago, ILCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loansVerified
- Fellowship Baptist Church Credit Union IncCredit union · Chicago, ILOfficial list only
- First Eagle BancsharesBank holding company · Chicago, ILAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
Work at Vicinity Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.