Credit union · NCUA insured
Central Soya Federal Credit Union
A $32.4M credit union headquartered in Decatur, IN, with 1,898 members and 1 branch in Indiana. Best rates: CDs 4.50% and savings 0.50% APY.
Central Soya Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#4 of 5 in Decatur, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central Soya Federal Credit Union
Central Soya Federal Credit Union is headquartered in Decatur, Indiana, and has been serving members since 1940.
Members of the credit union are owners rather than customers.
- Headquarters
- 1200 N 2nd St, Decatur, IN 46733-1160
- NCUA charter
- 4152
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Central Soya FCU are eligible for membership.
- Employees of Bunge North America (formerly Central Soya Co. Inc., and the McMillen Mills) who work in or have headquarters in Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Premiere Agri Technologies, Inc., who work in or are paid from Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Patrick R. Miller, P.C., who work in Decatur, IN are eligible for membership.
- Employees of Ruan Transportation who work in Decatur, IN are eligible for membership.
- Employees of Yoder Farms, Inc. who work in Monroe, IN are eligible for membership.
9 more ways to join
Employers and groups
- Employees of Bellmont Braves Football Booster Club who work in Decatur, IN are eligible for membership.
- Employees of Roehm Racing, LLC who work in, or are paid or supervised from Rockford, Ohio are eligible for membership.
- Members of Fairway Lakes Villa Association, Inc. in Decatur, IN who qualify for membership under its charter and bylaws in effect on October 14, 2003 are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Military, government and schools
- Employees of Saint-Peter Immanuel Lutheran School who work in Decatur, IN are eligible for membership.
- Employees of City of Decatur who work in Decatur, IN are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members living in the same residence maintaining a single economic unit are eligible for membership.
- Spouses of persons who died while within the field of membership of Central Soya FCU are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Branches
1 branch in Indiana
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Indiana
1 branch
- Central Soya Federal Credit UnionMain office1200 N 2nd St, Decatur, IN 46733Directions
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 | 18.39% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.61% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $37 | $59 | — |
- CapitalNet worth ratio18.39%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$37Peers’ 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 Central Soya 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.