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# Branch & ATM Locations
## Locator
U of I Community Credit Union offers , convenient , and shared branches. Plus, members can access more than 50,000 ATMs surcharge-free across the nation!
| Branch | Address | Lobby Hours | Drive-Up Hours |
| --- | --- | --- | --- |
| **Champaign/Urbana Area** | | | |
| First Street | 2201 South First Street Champaign, IL 61820 | Lobby Hours  Monday – Friday 9:00 am to 5:00 pm *Teller services are open, all other services are appointment only.* | Drive-Up Hours  Monday – Friday 8:30 am to 6:00 pm  Saturday 9:00 am to 1:00 pm |
| Five Points | 206 East University Avenue  Urbana, IL 61801 | Lobby Hours  Monday – Friday 9:00 am to 5:00 pm *Teller services are open,  all other services are appointment only.*  Saturday 9:00 am to 12:00 pm | Drive-Up Hours  Monday – Friday 8:30 am to 6:00 pm  Saturday 9:00 am to 1:00 pm |
| Illini Union  *Digital-only branch.  No cash transactions.* | 1401 West Green Street   Urbana, IL 61801 | *Our doors are temporarily closed while we upgrade our space to bring you a new experience. ATM is still available at the Union.* |  |
| Mahomet | 1610 Patton Dr. Mahomet, IL 61853 | Lobby Hours & ITM  Monday - Friday 9:00 am to 5:00 pm | Drive-Up Hours & ITM's  Monday - Friday 9:00 am to 5:00 pm  Saturday 9:00 am to 12:00 pm  \*ATM services available 24/7 |
| **Bloomington/Normal** | | | |
| Kays | 416 Kays Drive Normal, IL 61761 | Lobby Hours  Monday – Friday 9:00 am to 5:00 pm | Drive-Up Hours  Monday – Friday 9:00 am to 5:00 pm |
| Hamilton | 1722 E Hamilton Road Bloomington, IL 61704 | Lobby Hours  Monday – Friday 9:00 am to 5:00 pm | Drive-Up Hours  Monday – Friday 9:00 am to 5:00 pm  Saturday 9:00 am to 12:00 pm |
| **Danville** | | | |
| Fairchild | 1019 E Fairchild Street Danville, IL 61832 | *Our lobby is closed. Drive-Up service is  available during regular  Drive-Up Hours.* | Drive-Up Hours  Monday – Thursday 9:00 am to 5:00 pm  Friday 8:30 am to 6:00 pm  Saturday 9:00 am to 12:00 pm |
| Gilbert | 210 N Gilbert Street Danville, IL 61832 | Lobby Hours  Monday - Thursday 9:00 am to 5:00 pm  Friday  9:00 am - 6:00 pm | Drive-Up Hours  Monday - Thursday 9:00 am - 5:30 pm   Friday  8:00 am - 6:00 pm |
### Shared Branches
We offer shared branching to make it easy for you to access your accounts even when you’re not close to one of our local branches! Through our network of 5,000 shared branches nationwide, you can:
* Deposit money
* Withdraw funds up to $5,000
* Transfer money
* Check account balances
* Make loan payments\*
Just look for the Credit Union Service Center logo! Use the map above to find a shared branch location or call 800-919-2872 for assistance.
*\*VISA credit card payments cannot be made at shared branch locations.*
### Holiday Closings
We will be closed on the following days:
| Holiday | Date |
| --- | --- |
| New Year's Day | Wednesday, January 1, 2025 |
| Martin Luther King, Jr. Day | Monday, January 20, 2025 |
| Presidents’ Day | Monday, February 17, 2025 |
| Memorial Day | Monday, May 26, 2025 |
| Juneteenth Independence Day | Thursday, June 19, 2025 |
| Independence Day | Friday, July 4, 2025 |
| Labor Day | Monday, September 1, 2025 |
| Indigenous Peoples’ Day | Monday, October 13, 2025 |
| Veterans' Day | Tuesday, November 11, 2025 |
| Thanksgiving Day | Thursday, November 27, 2025 |
| Christmas Eve - close at 1pm | Wednesday, December 24, 2025 |
| Christmas Day | Thursday, December 25, 2025 |
## Contact Information
### Phone
Local 217-278-7700
Toll Free 877-678-4328
### Mail
2201 S First St
Champaign, IL 61820
### UICCU Routing Number
271176899
!
FOR CAMPUS AND COMMUNITY
* Federally insured by NCUA
* © 2025 U of I Community Credit Union, All rights reserved
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# Banking
[## Checking Accounts
We offer all the checking account features you've come to expect from a bank, plus the sweet perks of membership.
[## Savings Accounts
Get the most out of your money with our great savings account options.
[## Money Market Accounts
Enjoy competitive rates, no risk, and flexible access to your funds.
[## Credit Union Services
Learn about direct deposit, payroll deduction, and more.
# Checking Accounts
Checking perks? We’ve got ’em!
Enjoy all of the awesome features of a checking account at UICCU and get access to the exclusive Illini Debit Card.
Open your free checking account today!
Don’t have Digital Banking? .
## Checking Account Options
## iChecking
A no-frills checking account.
## Loyalty Checking
It pays to stay loyal.
## Teens iChecking
Available to minors age 11 and older.
Your paycheck, up to two days early. Insert happy dance!
Waiting for Friday is old news. Now, you can set up your direct deposit and get paid up to two days early! Yeah…we said two days early!
Why stop there?! These perks keep going when you set up your direct deposit.
* Get a 0.5% discount on the interest rate on your next loan
* Get your tax refund early too, just like your paycheck!
## Included With All Checking Accounts
* No minimum balance
* Tap-to-pay debit card
* Google, Samsung, Apple Pay
* Free e-statement
* Over 50,000 surcharge free ATMs across the nation
* Optional overdraft coverage from savings
### Learn More About…
Budgeting
Income and Expenses
Everyone spends money, but many people don’t know how to track how much they’re spending or how to prioritize it.
Easy Peasy Budgeting!
Many of us have, at one time or many times, made a New Year’s resolution to start budgeting our money. Good News! Budgeting does not have to be hard!
***1**When you receive recurring direct deposit to your UICCU account, you may be able to access your funds up to three days early. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid the same day the money is available – which could be up to three days before traditional banks. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer and may vary with each deposit. We generally make these funds available on the day the payment file is received, which may be up to three days earlier than the scheduled payment date. 0.5% discount on loan Annual Percentage Rate (APR) for members with a UICCU checking account with established direct deposit is available for consumer loans but excludes Mortgages, lines of credit, RV/balloon loans, VISA, and any other promotional or special APR offers. If a first direct deposit has not been received to your account prior to loan funding, proof of a direct deposit establishment may be required. APR discounts for direct deposit cannot be combined with any other APR discounts pertaining to checking accounts. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. Offer available for a limited time and may be withdrawn without notice. Other restrictions may apply. Consult a UICCU representative for further information. *
# Savings Accounts
## Overview
You shouldn’t need an advanced degree to get the most out of your money. That’s why competitive rates and outstanding service come standard on all of our savings account options! You can even make saving automatic by setting up payroll deduction or recurring transfers from your checking account. And with U of I Community Credit Union’s  app, you’ll be able to manage your savings account whenever and wherever it’s most convenient for you.
## Savings Account Types
### Share Savings Account
Establish your credit union membership and watch your savings grow! Opening a Share Savings Account makes you a co-owner of the credit union and gives you access to all of UICCU’s products and services. Parents can open a Share Savings Account for children ages newborn and up! All you need is your child’s birth certificate and original social security card. One of the child’s guardians will need to be a joint owner on the account.
### Jump Start Savings Account
Are you looking to grow your money quickly? Look no further than our Jump Start Savings Account! With 2% APY up to $5000, this Savings Account can give you that extra boost towards saving for anything. Yes, you read that right – 2% APY! There is no minimum deposit required and you can withdraw the money whenever you’re ready. Limit 1 per membership.
### Holiday Club Account
There’s no time like the present to start saving for next year’s presents! Saving money throughout the year can help you avoid stress and enjoy the holidays more. Even putting aside a few dollars per month throughout the year will make it easier to afford holiday gifts, travel, and other seasonal expenses. The funds in this account automatically transfer to your Share Savings Account the first week of October. There is a $5 access fee for early withdrawals.
### Vacation Savings Account
Whether you’re planning a weekend getaway, annual trip, or a dream vacation, we can help you save for it! Establishing a Vacation Savings Account makes it easier to set money aside specifically for whatever you’ve got planned. You can contribute to your account as often as you want and withdraw the money whenever you’re ready. Use funds from your Vacation Savings Account to purchase a Travel Card for your getaway and we’ll waive the fee!
### IRA Share Savings Account
An IRA Savings Account gives you the flexibility to save for your long-term plans! It’s never too early or too late to start saving for your future, and this account makes it easy. There’s no penalty for early withdrawal, but you’ll benefit the most when you let your savings grow over time. IRA Share Savings Accounts are subject to IRS terms and conditions. We also offer IRA Certificates.
## Savings Account Rates
| Account Type | Minimum Opening Deposit | Minimum Balance | APY |
| Share Savings | $5 | $5 | 0.01% |
| Jump Start Savings | None | None | 2.00% ($0.00-$5000.00) 0.01% ( $5000.01 and up) |
| Holiday Club | None | None | 0.01% |
| Vacation Club | None | None | 0.01% |
| IRA Share Savings | None | None | 0.01% |
### Learn more about…
Savings
Emergency Funds: Building and Using Them
We have all experienced an unexpected financial emergency. Here is a guide for starting and growing your emergency fund, and how to use it.