Credit union · NCUA insured
Family Community FCU
A $26.4M credit union headquartered in Charles City, IA, with 2,032 members and 1 branch in Iowa. Best rates: CDs 3.00% and savings 0.65% APY.
Family Community FCU Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#97 of 142 in IowaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Family Community FCU
Founded in 1960 and based in Charles City, Iowa, Family Community Credit Union is a member-owned financial organization.
In 1982, members voted to become a community credit union, changing the institution's name to Family Community Credit Union.
- Headquarters
- 1211 N Grand Ave, Charles City, IA 50616-1320
- NCUA charter
- 64067
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Floyd, Butler, Mitchell, Chickasaw, Howard, or Worth County are eligible to join.
Family and household
- Family members of existing members are eligible to join regardless of where they live or work.
Branches
1 branch in Iowa
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Iowa
1 branch
- Family Community Credit UnionMain office1211 N Grand Ave, Charles City, IA 50616Directions
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 | 12.10% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio12.10%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ 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 Family Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.