Credit union · NCUA insured
Eaton Family Credit Union
A $78.4M credit union headquartered in Euclid, OH, with 10,958 members and 5 branches in 3 states. Best rates: CDs 3.55% and savings 0.04% APY.
Eaton Family Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#39 of 60 in Cleveland, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Eaton Family Credit Union
Established in 1937 as Dual Ratio Federal Credit Union to serve Eaton Axle Plant employees, Eaton Family Credit Union is a member-owned, not-for-profit financial cooperative.
Headquartered in Euclid, Ohio, the credit union operates a local branch in Willoughby Hills and serves more than 14,000 members worldwide.
- Headquarters
- 333 Babbitt Rd, Euclid, OH 44123-1647
- NCUA charter
- 68354
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or go to school in Lake or Cuyahoga counties, Ohio are eligible for membership.
Employers and groups
- Employees of Eaton Corporation are eligible for membership.
- Employees of Select Employer Groups are eligible for membership.
Cost to join
- Members must deposit and maintain a minimum balance of $5 in a savings account.
Branches
5 branches in 3 states
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Ohio
3 branches
- Eaton Family Credit UnionMain office333 Babbitt Rd, Euclid, OH 44123Directions
- Willoughby Hill Warehouse28954 Chardon Rd, Willoughby Hills, OH 44092Directions
- Willoughby Hills Branch Office28954 Chardon Rd, Willoughby Hills, OH 44092Directions
Arkansas
1 branch
- Eaton Family Credit Unon Searcy Branch400 E Lincoln Ave, Searcy, AR 72143Directions
Illinois
1 branch
- Eaton Family Credit Union Lincoln Branch1725 1200th Ave, Lincoln, IL 62656Directions
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 | 10.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio10.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ 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 Eaton Family Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.