Credit union · NCUA insured
Homeland Credit Union
Top CarrotA $619.8M credit union headquartered in Chillicothe, OH, with 23,854 members and 5 branches in Ohio. Best rates: CDs 5.15% and savings 1.67% APY.
Homeland Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 7 in Chillicothe, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Homeland Credit Union
- Headquarters
- 310 Caldwell St, Chillicothe, OH 45601
- NCUA charter
- 61089
Branches
5 branches in Ohio
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Ohio
5 branches
Chillicothe area · 2
- CaldwellMain office310 Caldwell St, Chillicothe, OH 45601Directions
- Shawnee25 Consumer Center Dr, Chillicothe, OH 45601Directions
Columbus area · 1
- Circleville24061 US Highway 23 S, Circleville, OH 43113Directions
Greenfield area · 1
- Greenfield1195 N 5th St, Greenfield, OH 45123Directions
Waverly area · 1
- Waverly801 W Emmitt Ave, Waverly, OH 45690Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $30 | $76 | — |
- CapitalNet worth ratio15.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$30Peers’ 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 Homeland Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.