Credit union · NCUA insured
C-Plant Federal Credit Union
A $363.3M credit union headquartered in Paducah, KY, with 15,892 members and 9 branches in Kentucky. Best rates: CDs 4.07% and savings 0.25% APY.
C-Plant Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#3 of 8 in Paducah, KY-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About C-Plant Federal Credit Union
C-Plant Federal Credit Union was chartered in November 1951 as C. & C. C. C. Employees Credit Union to serve employees of the Union Carbide Corporation plant in West Paducah, Kentucky.
Today, the member-owned financial cooperative serves the hard-working residents and businesses of Western Kentucky.
- Headquarters
- 118 Bleich Rd, Paducah, KY 42003-8703
- NCUA charter
- 7524
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, volunteers, or goes to school in the Kentucky counties of Ballard, Caldwell, Crittenden, Graves, Hopkins, Livingston, McCracken, Muhlenberg, Todd, and Union is eligible for membership.
Other ways
- Companies that are part of C-Plant's community charter qualify for business accounts and membership.
Cost to join
- Joining requires opening a new Membership Savings account with as little as $5.
Branches
9 branches in Kentucky
Loading map…
Kentucky
9 branches
Paducah area · 5
- La Center339 E Kentucky Dr, La Center, KY 42056Directions
- Lone Oak2500 Lone Oak Rd, Paducah, KY 42003Directions
- Southside3201 Wayne Sullivan Dr, Paducah, KY 42003Directions
- Village Square4900 Village Square Dr, Paducah, KY 42001Directions
- Smithland303 Mill St, Smithland, KY 42081Directions
Madisonville area · 1
- Madisonville182 Madison Square Dr, Madisonville, KY 42431Directions
Marion area · 1
- Marion411 S Main St, Marion, KY 42064Directions
Mayfield area · 1
- Mayfield Office1245 Paris Rd, Mayfield, KY 42066Directions
Morganfield area · 1
- Morganfield817 US Highway 60 E, Morganfield, KY 42437Directions
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 | 14.71% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.16% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $47 | $76 | — |
- CapitalNet worth ratio14.71%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.16%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$47Peers’ 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 C-Plant 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.