About Us

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About Us

W.I.S.E. Credit Union was founded on June 1, 1936, with nine teachers who each deposited five dollars, we have grown to serve more than 1,600 members and now have over $22 million in assets.

You can find us on the lower level of the Quincy School Board of Education Building, 1416 Maine St, Quincy IL. Our hours are 11:00 a.m. to 4:30 p.m. Monday to Friday

Please stop in and visit us, or give us a call at 217-224-2091. We’d be happy to help!

Facts about W.I.S.E. Credit Union:

  1. Credit unions are member-owned, not-for-profit institutions. Therefore, all surplus is returned to the members in the form of dividends after adequate reserve is established.
  2. W.I.S.E. Credit Union is run by a 11 member board of directors. These directors are volunteers from both the public school districts and the parochial school that we serve.
  3. Savings are insured up to $250,000 by the National Credit Union Association (The NCUA). The NCUA is the most secure of all government insurance funds.
  4. Dividends are paid quarterly.All accounts are demand deposits

  5. The credit union has three types of loans -

    Secured Loans - any loan that is secured by a vehicle that can be licensed, titled and insured. These include auto, boat, camper, mobile home, motorcycles, etc.
    Shared Secured Loans - these loans are secured by pledged savings and are always at the lowest interest rate of any loan.
    Signature (Unsecured) Loans - These loans may be written up to $10,000.00. W.I.S.E. Credit Union also offers a special rate on education loans.

  6. Student Loans

    We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

    ISL Education Lending offers:

    • Loans for college students.
    • A loan option for parents and family members who wish to borrow on behalf of a college student.
    • Multiple student loan refinance options.

    In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

    Learn more about ISL Education Lending’s offerings on their website

    Please note:

    • All loans offered by ISL Education Lending are subject to credit approval.
    • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

    *WISE Credit Union is compensated by ISL Education Lending for the referral of student loan customers.