Credit union · NCUA insured
Daviess County Teachers Federal Credit Union
A $75.4M credit union headquartered in Owensboro, KY, with 5,432 members and 1 branch in Kentucky. Best rates: CDs 4.00% and savings 0.05% APY.
Daviess County Teachers Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#5 of 12 in Owensboro, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Daviess County Teachers Federal Credit Union
Daviess County Teachers Federal Credit Union was founded in 1971 as a small organization serving Daviess County Public Schools employees and their families.
The member-owned credit union is committed to Daviess County and its surrounding regions.
- Headquarters
- 1900 Southeastern Pkwy, Owensboro, KY 42303
- NCUA charter
- 20684
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All employees or volunteers of Mid-America Jet are eligible for membership.
- All employees or volunteers of Owensboro-Daviess County Retired Teachers Association are eligible for membership.
Military, government and schools
- All employees or volunteers of Daviess County Public Schools are eligible for membership.
- All employees or volunteers of Heritage Christian School are eligible for membership.
- All students, employees, or volunteers of Owensboro Community & Technical College (all campuses) are eligible for membership.
Family and household
- Family and household members of individuals meeting membership eligibility criteria are eligible to join.
3 more ways to join
Family and household
- All immediate family or household members of any existing DCTFCU member are eligible for membership.
Other ways
- Persons retired as pensioners or annuitants from the qualifying employers are eligible for membership.
- All spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Daviess County Teachers Federal Credit UnionMain office1900 Southeastern Pkwy, Owensboro, KY 42303Directions
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 | 12.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.49% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.42% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio12.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.49%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.42%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Daviess County Teachers 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.