Credit union · NCUA insured
CFCCU
Top CarrotA $242.7M credit union headquartered in Cedar Falls, IA, with 8,868 members and 3 branches in Iowa. Best rates: CDs 4.40% and savings 1.50% APY.
CFCCU Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#2 of 20 in Waterloo, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CFCCU
Cedar Falls Community Credit Union was chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union.
After receiving a community charter in 1982, the credit union serves individuals who live or work across 20 Iowa counties.
- Headquarters
- 123 W 4th St, Cedar Falls, IA 50613-2831
- NCUA charter
- 65565
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to individuals who live or work in 20 Iowa counties (Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Grundy, Fayette, Floyd, Franklin, Hardin, Howard, Linn, Marshall, Mitchell, Tama, and Winneshiek).
Family and household
- Open to individuals who have an immediate family member who is a member of the Credit Union.
Cost to join
- A deposit of $5 into a savings account is required upon opening membership.
Branches
3 branches in Iowa
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Iowa
3 branches
- Main OfficeMain office123 W 4th St, Cedar Falls, IA 50613Directions
- Industrial Park420 Viking Rd, Cedar Falls, IA 50613Directions
- Evansdale Branch3466 Lafayette Rd, Evansdale, IA 50707Directions
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 | 15.87% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.78% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.24% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $99 | $76 | — |
- CapitalNet worth ratio15.87%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.78%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.24%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$99Peers’ 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 CFCCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.