Credit union · NCUA insured
Christiansted Federal CU
A $33.7M credit union headquartered in Christiansted, VI, with 3,351 members and 1 branch in U.S. Virgin Islands. Best rates: savings 0.15% APY.
Christiansted Federal CU Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#4 of 7 in United States Virgin IslandsHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Christiansted Federal CU
Established in 1952 as St. Croix Federal Credit Union, the first federal credit union on St. Croix, the credit union changed its name to Christiansted Federal Credit Union on June 13, 1985.
The member-owned credit union is headquartered in Christiansted, St. Croix, Virgin Islands.
- Headquarters
- 43 King St, Christiansted, VI 00820
- NCUA charter
- 7989
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This may be incomplete or out of date, so check with the credit union before you apply.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 those who live or work within the Christiansted District.
Family and household
- Open to immediate family members of a current member of the Credit Union.
Cost to join
- Requires a $25.00 minimum balance to keep account open and active.
Branches
1 branch in U.S. Virgin Islands
Loading map…
U.S. Virgin Islands
1 branch
- Christiansted Federal Credit UnionMain office43 King St, Christiansted, VI 00820Directions
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 | 20.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $45 | $59 | — |
- CapitalNet worth ratio20.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$45Peers’ 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 Christiansted Federal CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.