Credit union · NCUA insured
Elko Federal Credit Union
A $349.2M credit union headquartered in Elko, NV, with 18,634 members and 2 branches in Nevada. Best rates: CDs 3.82% and savings 1.00% APY.
Elko Federal Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#4 of 8 in Elko, NV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Elko Federal Credit Union
Founded in 1960, Elko Federal Credit Union is headquartered in Elko, Nevada.
The member-owned cooperative serves individuals and businesses across multiple counties in Nevada and Idaho.
- Headquarters
- 2397 Mountain City Hwy, Elko, NV 89801
- NCUA charter
- 13800
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, regularly conduct business, worship, or attend school in specified counties in Nevada or Idaho are eligible for membership.
Employers and groups
- Employees of Elko Federal Credit Union are eligible for membership.
Family and household
- Members of immediate families and households of eligible persons are eligible for membership.
- Spouses of persons who died while maintaining membership at Elko Federal Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located or headquartered in the specified Nevada and Idaho counties are eligible for membership.
- Organizations composed of eligible persons are eligible for membership.
1 more way to join
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A one-time membership fee of $5.00 is required upon joining.
- A minimum deposit of $25.00 into a Share Savings Account is required to join.
Branches
2 branches in Nevada
Loading map…
Nevada
2 branches
- ElkoMain office2397 Mountain City Hwy, Elko, NV 89801Directions
- Spring Creek580 Spring Valley Ct, Spring Creek, NV 89815Directions
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 | 13.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio13.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Elko 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.