Credit union · NCUA insured
CITY OF FIRSTS COMMUNITY FEDERAL CREDIT UNION
A $40.1M credit union headquartered in Kokomo, IN, with 3,550 members and 1 branch in Indiana. Best rates: CDs 2.78% and savings 0.50% APY.
CITY OF FIRSTS COMMUNITY FEDERAL CREDIT UNION Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#6 of 10 in Kokomo, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CITY OF FIRSTS COMMUNITY FEDERAL CREDIT UNION
City of Firsts Community Federal Credit Union was established in 1938 by Mr. Charles Franklin to serve the employees of Kokomo Consolidated School Corp. and their family members.
The credit union serves Kokomo, Indiana as well as Howard and Tipton Counties in Indiana.
- Headquarters
- 1120 S Main St, Kokomo, IN 46902
- NCUA charter
- 3012
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to anyone who lives, works, worships, attends school, or volunteers in Howard and Tipton Counties.
Family and household
- Membership is open to family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members (living in the same residence and maintaining a single economic unit) of existing members or primary potential members, regardless of location.
Cost to join
- Joining requires opening a regular savings account with an initial deposit and minimum balance of $5.00.
Branches
1 branch in Indiana
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Indiana
1 branch
- Main OfficeMain office1120 S Main St, Kokomo, IN 46902Directions
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 | 10.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio10.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ 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 CITY OF FIRSTS COMMUNITY 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.