Credit union · NCUA insured
Firefighters & Company Federal Credit Union
Top CarrotA $129.4M credit union headquartered in Dayton, OH, with 7,194 members and 2 branches in Ohio. Best rates: savings 3.05% APY.
Firefighters & Company Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 28 in Dayton, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Firefighters & Company Federal Credit Union
Organized on June 4, 1935 as the Dayton (Ohio) Firemen Federal Credit Union, Firefighters and Company Federal Credit Union is a member-owned financial cooperative.
The credit union serves individuals who live, work, worship, or attend school in Montgomery, Greene, and Miami counties in Ohio.
- Headquarters
- 338 S Patterson Blvd, Dayton, OH 45402-2845
- NCUA charter
- 395
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in Montgomery County, Greene County, or Miami County, Ohio.
Cost to join
- Opening an account requires an initial $5 deposit, maintaining $50 on deposit within 10 months, and providing a valid ID.
Branches
2 branches in Ohio
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Ohio
2 branches
- Main OfficeMain office338 S Patterson Blvd, Dayton, OH 45402Directions
- Monarch Branch170 Monarch Ln, Miamisburg, OH 45342Directions
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 | 9.51% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.61% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio9.51%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Firefighters & Company 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.