ELCA Federal Credit Union

ELCA Federal Credit Union is a credit union in Winnetka, Illinois, serving individuals and organizations connected to the Evangelical Lutheran Church in America (ELCA), United Church of Christ (UCC) congregations, and affiliated institutions. It offers a range of financial services including home loans, auto loans, credit cards, savings and checking accounts, youth banking, credit building products, and workplace banking solutions. Members benefit from personalized service, competitive rates, and tools designed to support financial literacy and stability. The credit union is federally insured by the NCUA and serves a diverse membership base across the Chicago area, with a strong focus on faith-based financial stewardship. It holds a 4.00 rating based on customer reviews.

The credit union was established in 2016 by the ELCA as a mission-driven financial ministry, operating as a member-owned cooperative rooted in social responsibility and community service. It provides tailored financial products such as the Fresh Start Unsecured Loan and Savings Secured Credit Card to help members build or rebuild credit. Members can access their accounts through secure digital platforms, including integration with Plaid for use with budgeting and financial wellness apps. The credit union supports financial education through youth accounts and offers workplace banking programs that extend free financial benefits to employees and volunteers of partner organizations.

Located on W Higgins Road in Winnetka, IL, the credit union sits within a residential and institutional corridor, serving a community with strong ties to religious and educational institutions. Its physical presence is part of a broader network of faith-based financial services, reflecting its deep integration with local congregations and nonprofit organizations. As a federally insured institution, it prioritizes security, ethical lending, and transparent governance, with leadership committed to accountability and member empowerment.

ELCA Federal Credit Union stands out as a trusted, values-based financial institution in Winnetka, known for combining accessible banking with a mission-driven approach. It continues to strengthen the financial well-being of its members while reinforcing the community’s shared values through responsible, inclusive financial services.