Credit union · NCUA insured
Indiana Lakes FCU
Top CarrotA $28.4M credit union headquartered in Warsaw, IN, with 1,912 members and 1 branch in Indiana. Best rates: CDs 3.75% and savings 1.00% APY.
Indiana Lakes FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#3 of 12 in Warsaw, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Indiana Lakes FCU
Founded in 1977 by Zimmer, Inc. employees, Indiana Lakes Federal Credit Union is headquartered in Warsaw, Indiana.
The member-owned credit union serves Kosciusko County and has proposed a merger with Credit Union 1.
- Headquarters
- 322 S Detroit St, Warsaw, IN 46580-4401
- NCUA charter
- 22704
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This may be incomplete or out of date, so check with the credit union before you apply.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 available to anyone who lives, works, worships, or attends school in Kosciusko County, Indiana.
Cost to join
- A one-time membership fee of $1.00 is required.
- An initial share deposit of at least $5.00 is required to open a Share Savings Account.
Branches
1 branch in Indiana
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Indiana
1 branch
- 322 South Detroit StreetMain office322 S Detroit St, Warsaw, IN 46580Directions
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 | 11.53% | 14.28% | 19.18% or more |
| Troubled loans60+ days late | 0.22% | 0.65% | 0.14% or less |
| ProfitabilityReturn on assets | 0.87% | 0.61% | 1.17% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio11.53%Peers’ middle 14.28% · Top 25% 19.18%+
- Troubled loans60+ days late0.22%Peers’ middle 0.65% · Top 25% ≤0.14%
- ProfitabilityReturn on assets0.87%Peers’ middle 0.61% · Top 25% 1.17%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,508 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 Indiana Lakes FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.