Credit union · NCUA insured
Audubon Federal Credit Union
A $34.8M credit union headquartered in Owensboro, KY, with 2,567 members and 1 branch in Kentucky. Best rates: CDs 1.00% and savings 0.30% APY.
Audubon Federal Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#2 of 12 in Owensboro, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Audubon Federal Credit Union
Audubon Federal Credit Union was established in 1956 in Owensboro, Kentucky, by ten firefighters and ten police officers under the original name Owensboro Employees Federal Credit Union.
After changing its name in 1988, the member-owned credit union converted its charter in 2006 to serve the Daviess County community.
In May 2026, the credit union expanded its membership and services to neighboring Hancock, McLean, and Ohio counties in Kentucky.
- Headquarters
- 1429 Breckenridge St, Owensboro, KY 42303
- NCUA charter
- 11168
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Neighbors in Hancock, McLean, and Ohio Counties in Kentucky are eligible for membership.
- Anyone who lives, works, or attends school or church in Daviess County, Kentucky is eligible for membership.
Family and household
- Anyone who has family who are already members is eligible to join AFCU.
- Anyone living in the same household or directly related to a member is eligible for membership.
Cost to join
- A savings account requires a minimum opening deposit of $5.00.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Main OfficeMain office1429 Breckenridge St, Owensboro, KY 42303Directions
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 | 8.97% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.78% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $58 | $59 | — |
- CapitalNet worth ratio8.97%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$58Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Audubon Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.