Credit union · NCUA insured
Celco Community Credit Union
A $145.8M credit union headquartered in Narrows, VA, with 7,377 members and 3 branches in Virginia. Best rates: savings 0.85% APY.
Celco Community Credit Union Carrot Score
76
Carrot Score
Higher than 40% of U.S. banks and credit unions
#5 of 12 in Blacksburg, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Celco Community Credit Union
Founded in 1956 as Celco Employees Federal Credit Union, the credit union moved from Narrows to its current building in 1985 and opened a second branch in Pembroke in 2014.
Membership is open to individuals who live, work, worship, or attend school in designated Virginia and West Virginia counties and cities, as well as their immediate family members.
- Headquarters
- 3381 Virginia Ave, Narrows, VA 24124
- NCUA charter
- 11254
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, or attend school in Bland County (VA), Craig County (VA), Giles County (VA), Montgomery County (VA), Pulaski County (VA), Wythe County (VA), Radford City (VA), Mercer County (WV), Monroe County (WV), or Summers County (WV).
Family and household
- Eligibility is open to individuals with someone in their immediate family who has a current membership.
Cost to join
- Opening a Share (Savings) Account with at least $5.00 is required for membership.
Branches
3 branches in Virginia
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Virginia
3 branches
- Celco Community Main BranchMain office3381 Virginia Ave, Narrows, VA 24124Directions
- Co-Op Shared Branching3381 Virginia Ave, Narrows, VA 24124Directions
- Celco Community Pembroke Branch5862 Virginia Ave, Pembroke, VA 24136Directions
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 | 20.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.63% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio20.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.63%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 Celco Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.