Credit union · NCUA insured
Ashland Credit Union
A $412.5M credit union headquartered in Ashland, KY, with 46,592 members and 5 branches in 2 states. Best rates: CDs 4.25% and savings 0.50% APY.
Ashland Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#5 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ashland Credit Union
Founded in 1942 to serve Ashland Oil employees, Ashland Credit Union is a member-owned financial institution serving members locally and across the United States.
Headquartered in Ashland, Kentucky, the credit union operates five branch locations across Kentucky and Minnesota.
- Headquarters
- 305 Martin Luther King Jr Blvd, Ashland, KY 41101
- NCUA charter
- 61792
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford) are eligible for membership.
- Individuals who live, work, worship, or attend school in FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence) are eligible for membership.
- Individuals who live, work, worship, or attend school in the Minnesota counties of Washington, Dakota, Ramsey, or Hennepin are eligible for membership.
Employers and groups
- Individuals currently or previously employed by one of Ashland Credit Union's sponsor companies/employer groups are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Branches
5 branches in 2 states
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Kentucky
4 branches
Huntington area · 3
- ACU HeadquartersMain office305 Martin Luther King Jr Blvd, Ashland, KY 41101Directions
- Boyd Co Branch10700 US Route 60, Ashland, KY 41102Directions
- Ashland Credit Union Russell Branch1200 Diederich Blvd, Russell, KY 41169Directions
Lexington area · 1
- Lexington100 Valvoline Way, Lexington, KY 40509Directions
Minnesota
1 branch
- Cottage Grove Branch8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.29% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio12.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.29%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ashland Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.