Credit union · NCUA insured
Grand Junction Federal Credit Union
A $114.2M credit union headquartered in Grand Junction, CO, with 6,909 members and 1 branch in Colorado. Best rates: CDs 3.92% and savings 1.20% APY.
Grand Junction Federal Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#5 of 14 in Grand Junction, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Grand Junction Federal Credit Union
Grand Junction Federal Credit Union is a member-owned credit union based in Grand Junction, Colorado, chartered in 1957.
After merging with Mesa County FCU in 2004 and Roaring Fork Employees CU in 2006, it converted to a community charter in 2020.
It serves individuals who live, work, worship, or attend school in Mesa, Delta, and Garfield counties.
- Headquarters
- 633 24 Rd, Grand Junction, CO 81505
- NCUA charter
- 11718
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This may be incomplete or out of date, so check with the credit union before you apply.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 attend school in Mesa, Delta, or Garfield County are eligible for membership.
Family and household
- Immediate family members of eligible members are eligible for membership.
Branches
1 branch in Colorado
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Colorado
1 branch
- grand junction fcuMain office633 24 Rd, Grand Junction, CO 81505Directions
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 | 19.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.75% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $62 | $76 | — |
- CapitalNet worth ratio19.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$62Peers’ 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 Grand Junction 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.