Credit union · NCUA insured
IU Credit Union
Top CarrotA $2.1B credit union, the 261st largest of 4,329, headquartered in Bloomington, IN, with 71,703 members and 7 branches in Indiana. Best rates: CDs 4.50% and savings 1.50% APY.
IU Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#2 of 11 in Bloomington, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About IU Credit Union
Established in 1956 on the Indiana University Bloomington campus by university employees, IU Credit Union is a member-owned financial cooperative.
- Headquarters
- 105 E Winslow Rd, Bloomington, IN 47401
- NCUA charter
- 68577
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in one of 65 Indiana counties.
Employers and groups
- Business membership is available to business owners living or working in one of 65 Indiana counties, where the qualifying business principal is a member or eligible for membership.
Cost to join
- A minimum deposit of $5 in a Membership Savings account is required to establish membership.
Branches
7 branches in Indiana
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Indiana
7 branches
Bloomington area · 5
- Eastland Branch410 S Woodscrest Dr, Bloomington, IN 47401Directions
- Ellettsville Branch3801 W State Road 46, Bloomington, IN 47404Directions
- Seventeenth Street Branch510 E 17th St, Bloomington, IN 47408Directions
- Whitehall Branch301 N Gates Dr, Bloomington, IN 47404Directions
- Winslow Branch105 E Winslow Rd, Bloomington, IN 47401Directions
Indianapolis area · 2
- Center Grove Branch996 S State Road 135 Ste R, Greenwood, IN 46143Directions
- Southpointe Branch8936 Southpointe Dr, Suite C-6, Indianapolis, IN 46227Directions
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 | 11.80% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.67% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.09% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio11.80%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.67%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 IU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.