Credit union · NCUA insured
Fremont Federal Credit Union
Top CarrotA $385.6M credit union headquartered in Fremont, OH, with 22,690 members and 7 branches in Ohio. Best rates: CDs 5.10% and savings 1.51% APY.
Fremont Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 9 in Fremont, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fremont Federal Credit Union
Fremont Federal Credit Union is a member-owned financial cooperative that has been serving the community since 1946.
It has steadily built a strong reputation in Sandusky County.
- Headquarters
- 315 Croghan St, Fremont, OH 43420-3013
- NCUA charter
- 5370
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, volunteer, or attend school in Sandusky, Ottawa, Seneca, Wood, Hancock, Lucas, or Fulton Counties.
Family and household
- Membership is open to individuals who have family members who are existing Fremont Federal Credit Union members.
Branches
7 branches in Ohio
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Ohio
7 branches
Fremont area · 5
- Main OfficeMain office315 Croghan St, Fremont, OH 43420Directions
- Clyde Office1027 E McPherson Hwy, Clyde, OH 43410Directions
- East Office1457 E State St, Fremont, OH 43420Directions
- West Office2374 W State St, Fremont, OH 43420Directions
- Woodville Office801 W Main St, Woodville, OH 43469Directions
Toledo area · 1
- Bowling Green Office1200 N Main St, Bowling Green, OH 43402Directions
Sandusky area · 1
- Port Clinton2856 E Harbor Rd, Port Clinton, OH 43452Directions
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 | 12.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio12.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.99%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 Fremont 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.