Credit union · NCUA insured
DFCU Financial
A $8B credit union, the 49th largest of 4,329, headquartered in Dearborn, MI, with 243,022 members and 39 branches in 2 states. Best rates: CDs 4.40% and savings 0.02% APY.
DFCU Financial Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#50 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About DFCU Financial
Founded in 1950 as Ford Engineering Employees Federal Credit Union, DFCU Financial is a credit union headquartered in Dearborn, Michigan.
The institution expanded through mergers with CapCom and MidWest Financial, followed by Florida acquisitions including First Citrus Bank, two MidWestOne Bank branches, and Winter Park National Bank.
DFCU Financial serves members across Metro Detroit, Ann Arbor, Lansing, Grand Rapids, and throughout West, Southwest, and Central Florida.
- Headquarters
- 400 Town Center Dr, Dearborn, MI 48126
- NCUA charter
- 61844
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in the designated Florida counties (14-county or 15-county region across Tampa Bay, Central, and Southwest Florida) is eligible for membership.
- Anyone who lives, works, worships, or attends school in Michigan's Lower Peninsula is eligible for membership.
Branches
39 branches in 2 states
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Michigan
30 branches
Detroit area · 19
- DFCU FinancialMain office400 Town Center Dr, Dearborn, MI 48126Directions
- DFCU - Allen Park3233 Fairlane Dr, Allen Park, MI 48101Directions
- DFCU - Birmingham2483 W Maple Rd, Birmingham, MI 48009Directions
- DFCU - Bloomfield Twp2165 S Telegraph Rd, Bloomfield Hills, MI 48302Directions
- DFCU - Brighton9956 E Grand River Ave, Brighton, MI 48116Directions
- DFCU - Canton1477 N Canton Center Rd, Canton, MI 48187Directions
- DFCU - Clinton Township17280 Hall Road, Clinton Township, MI 48038Directions
- DFCU - Commerce Twp2765 Commerce XING, Commerce Township, MI 48390Directions
- DFCU - Oakwood Beech21551 Oakwood Blvd, Dearborn, MI 48124Directions
- DFCU - Detroit-Midtown4830 Cass Ave, Detroit, MI 48201Directions
- DFCU - Garden City7075 Merriman Rd, Garden City, MI 48135Directions
- DFCU - Livonia37373 7 Mile Rd, Livonia, MI 48152Directions
- DFCU - Madison Heights600 E 14 Mile Rd, Madison Hts, MI 48071Directions
- DFCU - Novi39570 W 10 Mile Rd, Novi, MI 48375Directions
- DFCU - Plymouth Township855 Ann Arbor Rd W, Plymouth, MI 48170Directions
- DFCU - Riverview18070 Fort St, Riverview, MI 48193Directions
- DFCU - Rochester511 N Main St, Rochester, MI 48307Directions
- DFCU - Taylor22415 Wick Rd, Taylor, MI 48180Directions
- DFCU - White Lake6490 Highland Rd, White Lake, MI 48383Directions
Ann Arbor area · 4
- DFCU - Briarwood Branch225 Briarwood Cir, Ann Arbor, MI 48108Directions
- DFCU - Carpenter Road Branch2910 Carpenter Rd, Ann Arbor, MI 48108Directions
- DFCU - Jackson Road Branch5280 Jackson Rd, Ann Arbor, MI 48103Directions
- DFCU - Plymouth Road2793 Plymouth Rd Ste A, Ann Arbor, MI 48105Directions
Grand Rapids area · 4
- DFCU - Celebration2058 Celebration Dr NE, Grand Rapids, MI 49525Directions
- DFCU - Kentwood641 44th St SE, Grand Rapids, MI 49548Directions
- DFCU - Walker1030 4 Mile Rd NW, Grand Rapids, MI 49544Directions
- DFCU - Wyoming1509 36th St SW, Wyoming, MI 49509Directions
Lansing area · 3
- DFCU - Delta7525 W Saginaw Hwy, Lansing, MI 48917Directions
- DFCU - Lake Lansing1700 Lake Lansing Rd, Lansing, MI 48912Directions
- DFCU - South Lansing4510 S Pennsylvania Ave, Lansing, MI 48910Directions
Florida
9 branches
Tampa area · 5
- DFCU - Brandon1314 Oakfield Dr, Brandon, FL 33511Directions
- DFCU - St. Petersburg300 1st Ave S, St. Petersburg, FL 33701Directions
- DFCU - Carrollwood10824 N Dale Mabry Hwy, Tampa, FL 33618Directions
- DFCU - Citrus Park13850 Sheldon Rd, Tampa, FL 33626Directions
- DFCU - Kennedy4302 W Kennedy Blvd, Tampa, FL 33609Directions
Orlando area · 2
- DFCU - Longwood505 Wekiva Springs Rd Ste 700, Longwood, FL 32779Directions
- DFCU- Winter Park201 N New York Ave Ste 100, Winter Park, FL 32789Directions
Cape Coral area · 1
- DFCU - Fort Myers8690 Gladiolus Dr, Fort Myers, FL 33908Directions
Naples area · 1
- DFCU - Naples4099 Tamiami Trl N Ste 100, Naples, FL 34103Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.63% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.55% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $43 | $88 | — |
- CapitalNet worth ratio12.63%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.55%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$43Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 DFCU Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.